PES 2013 – The Only Video Game For Footy Fans

PES 2013 by Konami launches on PS3, XBOX 360, Wii and PC this autumn and will give FIFA 12 a run for its money this year if the online rumblings are to be believed. The PES franchise has been around for 16 years and progressed through many iterations both in title and game play style, so what makes Pro Evolution Soccer so popular?

If you live in North America, the chances are that unless you are a die-hard ‘soccer’ fan, this event will simply pass you by, but if you live in the rest of the world, most specifically in Europe, then as every PES fan knows, the football season starts in August, but you only get to play out your own footy fantasies come October, when the latest and greatest version of PES hits the video game shop shelves.

It all started way back in video game time, actually 1996, when Goal Storm was released on the PlayStation. Since then, PES has moved through several naming conventions and the latest update will be called PES 2013. It will go head to head like it has for the past 16 years with Electronic Arts (EA) and their masterpiece – FIFA (12). There are really only these two games vying for gamers’ hard cash every year and if anything that makes the competition even more fierce.

You see the two games have battled it out year on year and this year PES stands a chance of getting back to the top of the pile. It has been languishing behind for the past 5 or 6 years, due in part to complacency, but also the resurgence and downright brilliance of FIFA.

The facts of the case are this your honour;

FIFA (which stands for Federation Internationale de Football Association) as the name might suggest, is an officially endorsed football game, this means that the game comes replete with all the real player names, team names, football kits, competition names and stadia. PES has never had these rights and has had to rely on an editing mode and the ingenuity of the gamers who buy the game to recreate all of the aforementioned details, liveries and stadia. This has fostered a powerful online community purely along editing interests, but when coupled with the obvious game play advantages of PES you begin to see why the popularity of the game is still so high.

So what are these game play advantages?

Well, the trade off in the licensing situation has always been overcome by the sheer beauty of playing PES – it is a game for footy fans. The actual game play has always more closely mirrored the real game, whereas FIFA has traditionally suffered in this area. Playing PES in the first few years was always pure fun, games were high scoring, but varied, FIFA always felt staged and the ball never seemed to behave like a real football, feeling much too floaty. By comparison, PES footballs have always had a weight to them and challenges between players have felt meaty.

An analogy between the two games is to think of FIFA as being a Premier League or Champions League setup, it looks polished and has endorsements coming out of its ears, but it isn’t really true football, it’s a pre-packaged version of the game designed to ensnare glory hunting footy fans, the ones who shout about how great their team is despite knowing nothing about their own teams history.

Pro Evo on the other hand is jumpers for goalposts, dirty knees and eating soggy cornish pasties on a cold, wet Tuesday night away to Barnsley! The analogy might be lost on many and that to some degree proves a point, football isn’t always shiny, multiple step-overs and pink Nike boots, it’s about the teams outside the Premier League who still have fans that turn up for every home and away game, despite not having seen their side win anything for years. That is real football and that is what Konami have tried to encapsulate, despite being based in Japan.

To a large degree they have succeeded, but the line has been blurred between the two games in recent years. FIFA has now moved very close to matching the whole ethos of PES, some say their game play is actually better, I still disagree with that statement, but certainly with the online patches available now to PES gamers, they can sidestep the licensing issue and create photo-realistic players, teams and kits – which means the two games are very much on a collision course to meet in the middle.

Konami have cheered up their fans in previous years by securing licence rights to the England National team, two Premier League teams and various other leagues and players around Europe and the world. This has undoubtedly helped, but give me a fake named Man Red (Manchester united) and quality game play any day over the FIFA version of football. At the end of the day I buy football computer games because I like to play games that recreate the beautiful game, FIFA now does it well, but PES does it better and I’m just hoping that the next instalment of PES 2013 will again give me that option to take the mighty Derby County to European Glory!

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Best Banner Advertising Tips

Online banners,they’re the billboards of the Internet – a platform for you to market your products and services to the internet world. You see them everwhere.

When you are deciding how to spend your online advertising budget, one of the most important questions you need to consider is what type of online advertising you want to buy. Banner advertising is one of the oldest method of advertising however, out of the numerous methods used for internet based marketing, banner advertising is a leading one with PPC.. Why? Well simple its because of the changes in the Google Algorithm.

The size and placement of banner ads varies according to the website on which it is advertising.

Iam going to share with you tips and strategies that must be kept in mind while working on online banner advertisements, so that maximum benefit can obtained through them.

Find a way to keep your business open 24 hours a day so you can be generating sales and leads into your business even while you are sleeping. By placing ads in the right places your business will be running on autopilot 7 days a week 24 hours a day.

Here are some great tips for choosing the best size, placement, and more for your banner ads.

1. Target Market

To start out banner advertising, the first thing you must do is choose your target audience, the people you want to market to. When you are developing your marketing campaign, it is necessary to take into consideration who will be viewing your banner advertisement. If you are selling Womans Clothes, then you surely will not want your banner advertisement to be viewed on the websites promoting various vehicle parts.

2. Designs

An effective Banner design always gets more clicks. The effectiveness of your banner is based on its layout, colors and animation. Before selecting your banner size, find out what size is acceptable on the site where you want to display your Web Banner Ad.

You can either design your own Banner or outsource it. Start making those adorable little animated gif files. Find your image, size it, and go at it, it’s that simple and if you mess up, it’s easy to go back and correct, nothing is saved until you want to. You can find design service from as low as $20, depending on the size of the banners that is…

3.Size Matters:

From my experience a wider sized banner ad is often most effective. The recommended Banner that I would use is 480×60. There’s a reason that this has remained the most widely used banner ad size. But you will find that the standard 336×280 works very well on most sites, but it may not fit the layout of the site you choose. Other wide sizes like 300×250 or 160×600 (wide skyscraper) work very well in some layouts.

4. Purchase System

So You know have your banner ready for advertising..but there just so many placement & position options..which one is the best one, and the best price?

Banner advertising is usually sold on CPM basis or CPA. CPM is COST PER impression, that means every time your banner ad appears within the page you pay per impression, I wouldn’t recommend this one, because this can be really expensive. CPA is Cost per acquisition, this is not much available now days, but it is the preferred choice of advertisers because the publisher only gets paid when a lead or sale is produced from a click-through.

Finally there is also a Monthly Rate. Which I highly recommend, that in the beginning you stick with CPA or Montly Rate. Why? Well this will help you to do some testing, and you get to control it whereas with CPM you literally will be buying however many impressions the ad can be delivered to that website and as I said, this can get really be very expensive. But If you want results to drive traffic for your website, opt for CPC or a CPA system.

5. Best Position and Placement

The placement of your banner ads on a website is a very crucial factor to engagement and click-throughs. So..Where is the best placement for a banner ad on a web page? While you might have to test out a few best spots for your banner ads, but there are few place that I think would do well. Placing your ads in the centre of the page and those that are above the fold do better than those below. Anywhere at the top of the web page can work best. But that in general above the fold and to the left seem to be the hotter areas. Anywhere below the fold, I wouldn’t recommend, is less desirable because the page will load your banner ad costing you an impression, but it may never be seen.

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Keep the Children Happy With Their Favourite Duvet Covers

I hope that you will be able to find a whole lot of details about kids duvet covers in this article. This is without question a very specific part of bed clothes. The majority of people usually are at ease using plain white or cream bedsheets although some do choose to become individual by means of stunning colours such as black or red.

Little children are very special creatures nevertheless and nearly always would prefer photos of their most popular heroes imprinted all over the duvets. That said, I wonder if could be simply just the father and mother searching for techniques to have the kids to rest quicker. Fathers and mothers who got frustrated with sitting down telling stories for ages were most certainly those who originally dreamed up this plan.

When thinking about buying a duvet set for your little ones you will not have to stress with the many alternative measurements that anyone can get with regular duvet covers. There’s no king size, queen size, double, the vast majority only are available as singles. A set comprises of a duvet and one complementing pillowcase. Most are made from around 50 percent cotton and 50% polyester and can be washed.

Young people do not appear to be so content just with a boring room with pastel colours on the wall, ceiling and carpeting. They think they are unexciting and need stuff that are vivid and fun. There are two main techniques that mothers and fathers decorate their children’s rooms. One is usually to paint the walls as well as the ceilings in bright colours and get simple coloured bed sheets. Far more fathers and mothers now choose the alternative way though and have bare walls and a colourful bed.

It is important to make certain that the little ones are happy after they go to bed and they do like to be protected by their particular much-loved TV stars. Whomever is in vogue at the time they initially get aware usually are those that they initially prefer. Right now, the best selling children’s duvet covers appear to be of Peppa Pig. That has turned into a cult television program designed for your very young children and also a collection of books along with other goods.

Some other sets targeted at the younger sons are based on Thomas The Tank Engine, Fireman Sam as well as Ben Ten. For small girls you can find those such as Upsy Daisy from In the Night Garden, Disney Princess and also like bedding with images of pets on them – could be a pony or puppy.

As young children age the selections obviously change. They move on to dinosaurs, pirates and even their favourite soccer side like Chelsea for sons while girls like High School Musical. Let’s hope that you now have a better idea in the sort of children’s duvet sets that you would like to get.

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How To Exercise On The Go

The number one reason people don’t exercise is because they don’t have the time to fit it in their already over scheduled life.

From the time we get up, our lives are filled with constant projects and obligations. You get up and get ready for work and head straight into traffic for the next 45 minutes. Then, for lunch you grab something quick because your boss decides at the last minute he needs a report done by the end of the day.

After work, you can rest and relax right? Of course not, you have to get the kids and drive them to extra curricular activities before heading home. When you get home, you have to prepare dinner, help with homework, and feed Fido. All this in one day — no wonder you don’t have any time to exercise.

So where do you find the time? Well, let us recap the day. When you are preparing to leave home, try doing lunges while walking from room to room. If you watch the news in the morning, do it while walking on the treadmill or running in place. You can also carry weights to add strength training to a cardiovascular exercise. For Fido, take the dog for a walk or run around the block. These exercises can be repeated or done once you return home.

While stuck in traffic, try these exercises. Suck in your stomach for 20 seconds the release it. Repeat this until you get to work and you will feel like you did 100 sit ups. For those times when you are completely stopped try squeezing your thighs together then relaxing. This can be repeated on the way home.

There are many things you can do while working to get your body moving. For example, the stomach exercise mentioned above is great for at your desk. You can modify the stomach exercise by doing side crunches as you hold your stomach in. Flex your calves while sitting straight by lifting your help up and down. During your break, jog up and down the stairs or take a brisk stroll around the building or your floor.

Off to get the kids! Don’t let them be the only one getting fit during soccer practice. Bring a change of clothes and run around the field. Do jumping jacks or something to get your exercise in also. If they are inside a building, take a hike up and down the stairs or go outside and enjoy the fresh air. Every little bit counts to a healthier you.

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Test Your Fancy Nancy Trivia

Do you know Fancy Nancy? Well, if you are a 4 to 6 year old girl, you surely know who she is. Nancy, the creative brilliance of author Jane O’Connor, is a young girl who loves everything fancy. The original story book in the series, suitably titled «Fancy Nancy» spins the tale of Nancy, a pint-sized curly-auburn haired girl who loves to speak using fancy French words, dresses in fancy clothing, and loves just about any else that is fancy. Even Nancy’s favorite doll is tres fancy – her doll’s name, Marabelle, is short for Marabelle Lavinia Chandelier. Unfortunately the rest of Nancy’s family is very plain. Nancy even goes so far as to give her family lessons on the differences between plain and fancy. Glasses…plain, sunglasses…fancy! Nancy’s signature clothing is a cow print leotard paired with a poodle skirt, fairy wings, cat-eye sunglasses, leg warmers, ballet slippers and a tiara. The unique and whimsical illustrations, by Robin Preiss Glasser, add to the delightful nature of these books.

In subsequent picture books in the Fancy Nancy series, including «Bonjour Butterfly», the «Posh Puppy» and «Explorer Extraordinaire», you meet Nancy’s dog Frenchy and her best friend Bree.

Jane O’Connor’s inspiration for all of her books,, including the Fancy Nancy series, comes from her own life experiences, or those of her family. Every Sunday afternoon, when Jane was about 4 or 5 years old, her grandmother and great aunts would come to visit Jane and her family. «As soon as I heard the doorbell ring,» Jane says, «I would race to my room, jump in my pink tutu, wrap a satin red cape around me, and come galoomphing out to greet my guests in a pair of my mom’s high heels. I wasn’t a girlie-girl, but I felt it was important to look fancy for company.» O’Connor was Fancy Jane long before she wrote Fancy Nancy.

What does being fancy mean to Nancy? It means frilly toothpicks in sandwiches, eating with your pinkies up, lace trimmed socks while playing soccer, and do-it-yourself canopies over her bed.

Jane O’Connor’s Fancy Nancy hysteria has blossomed into a growing series of picture books, I can read books, as well as Fancy Nancy gifts and merchandise such as dolls, doll clothes, puzzles, games, birthday party supplies, bedroom accessories and of course Fancy Nancy dress up clothes for little girls. You can find a Fancy Nancy gift for all occasions.

Check out our Fancy Nancy Trivia to see how much you know about this remarkable little girl:

A. What word is written on the pillow that rests on Nancy’s bed?

B. What is Nancy’s favorite color?

C. What is the name of the restaurant where Nancy and her family go out to eat?

D. What’s the name of Nancy’s best friend?

E. What is the full name of Nancy’s doll? (hint: We mentioned it above)

F. Who are Nancy’s next door neighbors (on each side of her house)?

G. What does Nancy think she will be when she grows up?

H. What is the name of Mrs. DeVine’s dog?

I. What breed is Nancy’s dog?

J. What is Nancy’s teacher’s name?

K. What is Nancy’s middle name?

L. What is Nancy’s last name?

M. What is Nancy’s dog’s name?

N. What does she use to hold up her bed canopy?

O. What is the name of Fancy Nancy’s sister?

P. What was Mrs DeVine’s profession?

Q. What breed is Mrs. DeVine’s dog?

R. In what city did Mrs. DeVine live as a child?

S. What is Nancy’s baby sitter’s name?

Answers: A: Sublime; B: Fuchsia; C: The King’s Crown; D: Bree; E: Marabelle Lavinia Chandelier; F: Bree (her best friend) and Mrs. DeVine; G: A lepidopterist (that’s a fancy word for a scientist who studies butterflies); H: Jewel; I: La Salle spaniel; J: Ms. Glass; K: She doesn’t have a middle name; L: Clancy (yes…that makes her Fancy Nancy Clancy!); M: Frenchy; N: A broom and a mop; O. JoJo; P. Beauty care professional (she worked at a hair salon); Q: Papillion; R: Hollywood; S. Alex

O’Connor quotes excerpted from her interview with National Public Radio

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Lose Weight With Kinect Games

Kinect Sports is a motion-control add-on game for Microsoft Xbox 360 console. It includes bowling, soccer, track and field, beach volleyball, table tennis and boxing. It's among the first full body, controller-free athletic games. Kinect features a six-team or individual player options for soccer, rafting, volleyball, dancing, bowling, table tennis track and field and boxing. Each game has multi-level adventures for a variety of skill sets. It utilizes voice-recognition microphones that allow you to bark out commands for navigating the menus.

Your Shape, by Microsoft Kinect, includes workouts created by Women's Health and Men's Health. You can do yoga, tai chi and kickboxing while receiving feedback from a personal trainer. The program tracks all of your movements and stats and can tell you if you are doing a move incorrectly.

Kinect fitness games are another attempt by gaming console developers to reach out to an untapped, non-gaming customer. Upon connection, the game scans your body, files your features and tailors the games to accommodate your fitness level. Each player is offered the option of choosing her own personal trainer. The physical workouts offered by Kinect mimic very real world fitness routines.

Losing weight with Kinect is a very realistic option. Kinect Adventures is a series of games that force you to jump, row with your arms and dodge obstacles. In Joy Ride, extend your arms as if steering a racecar. Engage in stunts by leaning in every direction, pull back or push forward on the steering wheel to adjust your speed. Your Shape is probably one of the more challenging fitness programs on the market. Take cardiovascular boxing or tai chi classes.

To lose weight with Kinect fitness games, be sure you're playing hard enough o increase your heart rate. Play for at least 30 minutes a day, five days a week. Even if you can't spare 30 minutes at time, play tennis, volley ball or do some cardio kick-butt at ten-minute increments three times a day.

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What Are Men's Tights In The Lingerie World And Is There A Market For Them?

Most people do not know much about men's tights other than the ones worn by Shakespearian actors. They actually do exist. These are not the panty hose that women wear. These tights are designed for a man's unique body proportions. These are made for men who participate in sports to help increase endurance in their legs. These tights are perfect for men who are active in soccer, golf, running, skiing, football, and biking. They have been created to stimulate blood flow and increase circulation to the legs.

These specially designed tights can help a man's tired, achy leg muscles recover more quickly from sports or job related activities. Any man can wear them beneath his trousers without anyone knowing. They may well prevent circulation problems caused by from sitting or standing for long periods at work. While there is little spoken of or seen about men's tights there appears to be a huge market for them. Not only do they give a man that streamline effect under his clothing and added support for sports they also provide health benefits as well.

Men can appreciate the extra layer of warmth that tights provide during the cold months of winter. Long johns can be bulky, and ride up under your pant legs, especially under jeans and dress pants. Men's tights are breathable and do not hold in moisture so they can be comfortably worn indoors and won't cause chafing or ingrown hairs. Any true outdoorsman knows that synthetic fibers are the best to hold in heat and repel moisture which makes these tights the perfect choice for hunters. They will leave a man's skin warm and dry instead cold and clammy.

Men's tights can also work to reduce excess heat in hot weather. No more sticking to car seats, furniture, or anything else. You can guarantee that you will be able to stay dry and comfortable no matter how warm it gets. Most men's tights are extremely lightweight without the glossy finish of the women's variety. They usually have a matte finish, reinforced toe and heel to withstand the hard work and sports a man may participate in. The comfort panel in the front of the tights has a manly fly opening for comfort and convenience. The crotch is designed specially for a man's physique and comfort level no matter what his activity level.

For active sports, men's tights will help to keep your body thermo-regulated. You can maintain the same comfort level throughout your workout. Men's tights also create a barrier between the skin and irritating, yet warm, fabrics like wool. For outdoors activities, they provide added protection against the wind as well as ticks and other insects. They will also help reduce the risk of blisters by helping to eliminate friction in your shoes.

The majority of men's tights are very comfortable and work well with any type of clothing; you will barely notice they are there at all. They help clothes fit better and have a smoother look. For men who prefer not to wear socks there is a sheer version that will provide a man with the foot protection he needs while being barely detectable. This will help to keep feet dry and odorless while maintaining the barefoot look. Men's tights are a great way for any man have healthier, more comfortable legs and keep his body temperature regulated all year long.

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My Epic Diaper Failure

Everybody poops. But babies have a special power, I guess. Well, that’s the only thing that they can do, apart from eating of course, and we all did the same when we were babies too.

I’m Aryan, a young father and a complete novice when it comes to handling babies. I was super thrilled when my daughter Asmi was born. I took her in my arms and she was the size of a soccer ball. I couldn’t believe that Sanya (my wife) and I created such a beautiful thing!

A couple of months passed, waking up in the middle of the night, sleeping during the day, eating scraps at home became a routine (well, when you have a baby, forget about a lavish spread for a meal at home). As well as Sanya was handling being a mother, I was barely able to manage getting around my duties as a father. And the deadliest of them was the diaper change. I heard and saw a lot of tales of dads failing miserably in diaper change but never thought it would be so disastrous for me. Here’s the horror story –

10:30 am on a Tuesday morning. Sanya was busy on her laptop in the study (yeah, awesome of her boss to allow her to work from home till Asmi was about a year old). She was preparing to give a product demo to a prospective client and I knew that it was time for me to step in as the nanny. Asmi usually wakes up at 10:30 am. So I was pacing along the bedroom waiting to hear her cry as she wakes up. Bingo! Asmi did not cry, she screamed… And I was shaking as though I had seen a ghost.

I quickly went to her crib to pick her up and suddenly, my nose exploded! The stench was brutal. It could kill a rodent in a jiffy!! I put her on the bed and against all odds (my inner voice screaming to run) pulled her diaper out. The massacre was unbelievable. Poop all over. I had never seen so much poop in my life! I quickly disposed the dirty diaper, cleaned Asmi (all the time thinking that it will be over soon) and was about to put a fresh diaper, that I heard a sound, it was faint in the beginning but then the volcano erupted (this time a fart, and a really nasty one). All this while Asmi was in a jumpy mood, but the fart changed everything! She suddenly started laughing!! Oh My God, she looked like an angel!! I changed her clothes, gave her a bath and kept her breakfast ready (in my mind I knew that I have to encounter another ordeal in a couple of hours).

Being a parent is not easy. It takes everything you have to care for a baby but that one look at your baby’s face makes you forget every sleepless night, diaper disaster and tantrum that you go through.

What’s your diaper failure story?

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Two First Communion Party Games for Kids

The First Communion is a special time when your child really begins to take part in the responsibilities and rules of your religion and some First Communion party games will lighten the tension. You may even want to mark the occasion by throwing a small party, so why not include a couple of fun First Communion party games?

Kids’ Crab Football:

This fun activity makes a great choice for the First Communion Party Games because it will help to burn off pent up energy from the more solemn events you had scheduled earlier. It also lets everyone get out of their special occasion clothes and relax a bit. For this First Communion party game you’ll need a large beach ball and lots of space for the kids to move around in. Crab Football is just like regular soccer except the ball is larger and the players have to walk like crabs. You know how, right? Just bend over like you are going to do a back flip and scuttle around on your hands and feet.

Animal Scavenger Hunt:

For this indoor or outdoor appropriate First Communion party game have the party divide into groups of three or four. Have each group choose an animal they want to pretend to be and make the adult in the group the Shepard. At the start of the game you will give the kids in each of the groups a list of hidden items you placed around the party area. The Shepards will all stay in the First Communion party games area while the ‘animals’ all go out searching for missing items. When a player finds an item they must call to the Shepard by making animal calls. The Shepard will recognize their players because the calls will be similar to the sounds made by their chosen animal. The Shepard will follow the sounds to their teammate and will get the missing item from the player and return to the First Communion party games area, while the ‘animal’ continues on the hunt to find more scavenger items. Those at the end of the hunt with the most items are the winners.

You’ll find that the kids and the adults at your First Communion party games have plenty of good old fun. Just take a little time out for the fun to start and you’ll have more than you can handle.

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Getting Out of Debt With Zero-Based Budget

After accepting you must change your behavior to get out of debt, you are ready to look at relevant financial engineering tools. Again, I stress that without behavior change, tools and techniques will not improve your financial affairs. You must change your behavior because you choose to spend; money is merely the means to the end.

Zero-based budgeting is an important financial engineering tool for the household, particularly if folks are in debt. Developing and using a zero-based budget will help you sift your expenses. Traditional budgeting starts where you are as a base and then increases current dollar figures. Generally, the focus is on money, not activities, and the process assumes you need the status quo.

On the other hand, zero-based budgeting starts with a clean slate. For a household, it identifies a realistic lifestyle that will lead to minimum expenses in a defined period. It excludes discretionary items, but includes debt repayment plans. Most of all, it does not focus on money but on activities.

A proper zero-based budget for a household should show clear answers in these three areas: goals, plans, and monetary estimates (budget).

Goals

  1. What are the goals for the budget period?
  2. Is each goal necessary? Why?
  3. What if you do not do them now?
  4. Should each needed goal continue the same way?
  5. Suppose you stopped it?

Here, you are trying to identify your minimum lifestyle level for the period. Will you cut goals and activities so deep that you focus almost entirely on debt reduction? For example, will you eliminate buying clothes, taking vacation, children’s hockey, dance, or other activities?

For an item to qualify as a legitimate goal or activity, you must be satisfied that not doing it will cause major unavoidable disruptions to your lifestyle and household. How important are your daughter’s ice skating lessons?

Plans

  1. Is there a plan for each surviving goal? Is there a plan to control spending on your son’s football activities?
  2. Should the plan change to require less expenses? Should you carpool to go to your daughter’s soccer games?
  3. Could you defer the plan and the goal until a greater portion of your debts are repaid?

Monetary Estimate (Budget)

  1. Notice that financial calculations are just now being discussed, and only in the context of approved goals and plans.
  2. You will not look at last year’s budget because you will build this budget from scratch, focused on specific needed goals.
  3. You have to calculate what it will cost you to do each task and activity as if you had never done them before.
  4. The budget will exclude frills unless they have goals and plans. It will include debt repayment based on your debt repayment schedule.

Zero-based budgeting, done properly, is an effective tool that could benefit households and businesses. However, it is difficult to use because it involves much work. Besides, folks become insecure as it forces them to think unconventionally and creatively, to question the present state, and to embrace change. In short, zero-based budgeting will take you outside your comfort zone.

After doing your zero-based budget, you must get an accountability partner and then set up a reliable review process so you can see quickly effects of your lifestyle choices, compared with the zero-based budget.

I repeat, this is an exceptionally useful tool to help you get out of debt, but first, you must change behaviors that led to your indebtedness.

Copyright © 2012, Michel A. Bell

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