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Looking back at your life, you will find that as you have earned more you have spent more. You wonder how it is that you lived on so little money way back when. Sure, grocery and fuel prices have gone up and rent too, but deep down you know that if you are not smart, you will do the same thing again. Last week I covered the simple formula for managing money effectively: 1. Work out what you have to do 2. Spend less than you earn 3. Align your choices to your life goal's to keep you motivated and do it! This week we are focusing on the first step: work it out Track Your Expenses For a few weeks minimum, write down every single dollar you spend. Don't forget about the bank fees, direct debits or credit card. Work out where you have been spending your money. If you feel you don't have time to track your money, you could use our simple service, My Money Tracker for You for only $22 per month. Don't forget about the Irregular Expenses It is so easy to forget about the expenses you have only every now and then. Car registration, service, your driver's licence or the dog vaccination. I was surprised when I realised that it used to cost us $35 per week for our car registration once a year and service every quarter. These things can sneak up on you and completely blow your budget. Add Up All Your Debts Write down all the debts you have. The reason I highlighted all is because I really want you to be honest with yourself and include everything that you owe. You are going to have your credit cards, personal loan and car loan, but don't forget to include things like the money you promised to repay your parents or $20 for your flat mate. You will never be financially free until you are honest with yourself about your money. Total It Add it all up to calculate how much it is that you need to meet your current commitments, repay your debts and live. Once you know this total you will know how much you need and if you are living within your means. Do you need to earn more to

Lemon comes from an evergreen tree originally found in Asia. The fruit is usually greenish or yellow in colour. The whole fruit with its pulp, the juice, the rind and the zest are used in cooking as well as non-culinary purposes. Lemon juice is often used to make lemonade and other lemon beverages. The juice contains 6% citric acid which makes its taste sour. It contains vitamin c, calcium, folate, vitamin b5, vitamin b3, vitamin b1 and b2, iron, magnesium, phosphors, potassium, zinc as well as sugar, carbohydrates, dietary fiber, fat and protein.

Here is an exhaustive list of the health benefits of lemon:

Body skin loses moisture when in contact with chlorinated water at the time of bathing. Use lemon along with turmeric and starch as a cleanser before bath.

Take 4 tablespoons of yogurt and 3 teaspoons of lemon juice and mix them well. Add 1 teaspoon of vegetable oil (any variant) to it and massage this pack on body using upward strokes and leave it for 10-15 minutes. Then wash off and take your usual bath.

lemon oil benefits for hair

Mix 2 tablespoons of lemon juice, 2 tablespoons tomato juice and 2 tablespoons milk in a bowl and apply it on the face and body. This mixture works as natural bleach.

lemon face benefits for oily skin

Lemon juice can help relieve you from wrinkles.
To make the anti-wrinkle mask, use a tablespoon of honey and add some drops of lemon juice to it.
Also add a few drops of almond oil (sweet) to this and mix the ingredients into a paste.
Then use this on the face and keep it on for 15-20 minutes and then wash off.

Lemon also helps to relieve chapped lips.
Mix a teaspoon of fresh cream, a teaspoon of lemon juice and a teaspoon of honey and make this into a paste.
Use this on the lips and rub it in.
Store the rest and use for a week to see results.

Lemon can be use

How is eligible for Housing Benefits? If you are eligible for pension credit, income support, income-based Jobseeker's allowance or income relate employment and support allowance you qualify for maximum help with your rent. But you can still qualify for help even if you don't get these benefits. For example if someone who take property on rents where the suppose full rent is £80 per week but £10 of this is for hot water and heating, which are not eligible costs under Housing Benefit rules they should enter £70 per week into the calculator as their eligible rent £80 per week minus £10 per week ineligible costs.

A week on week rise in upstream crude and benzene rates pushed SM prices higher in Asia last week, according to assessment of price of Styrene Monomer (SM) on last Friday, this caused due to price high in crude and benzene rates

A week on week rise in upstream crude and benzene rates pushed SM prices higher in Asia last week, according to assessment of price of Styrene Monomer (SM) on last Friday, this caused due to price high in crude and benzene rates

Despite a week on week rise in upstream ethylene values, HDPE prices down adjusted in Asia this week. Prices dipped as regional buying trends further softened in Asia. The buying mood was also slug...

BP rig worker reported oil leak weeks before Deepwater Horizon disaster

U.S. Stocks Rise, Dow Rallies for 8th Week, on Economy

This Week, The Securities and Exchange Commission filed civil charges against City Capital Corp. and two former executives for allegedly running an $11 million Ponzi scheme that targeted socially conscious investors in church congregations. The government alleges Ephren W. Taylor II, 29 years old, made numerous false statements to lure investors into two investment programs being offered . Elsewhere, BlackRock's planned bond platform is looking to bypass the middleman. But whether the strategy will bear fruition is a another question

Asia markets this week Most of Asian stock markets, together with oil prices, slid on Monday this week as China's growth slowed down and European debt crisis is showing possibility to deepen again, particularly focusing on resurfacing issues from Spain and Italy.

This Week in Capital Markets Pt1: Fidessa white paper, Redkite 04/05/2012 by Hayden Richards

This Week in Capital Markets Pt2: BOX Options Exchange, SGX, Raj Rajaratnam 04/05/2012 by Hayden Richards

Most Asian markets inch higher on Monday, but remain volatile throughout the week Asian stocks markets have risen early this week after the results of opinion polls in Greece were released, indicating a step forward … more

[ ] As a well subscribed IDX 2012 closed its doors in London this week, increased transparency in the OTC derivatives market, is currently on the mind of regulators looking to decrease rising systemic risk in this market, … more

[Forex , Forex News , Forex Trading , Guest Lists , Markets ] Timizzer Forex Week In Review In Association with OANDA Corporation Report by Dean Popplewell Dean Popplewell has a wealth of forex experience: professional currency trader for 10 years, fixed income trader for four years, and head of the global trading desks at various financial … more

Asset Control expands in APAC Asset Control, provider of financial data management solutions and services, announced this week, the opening of its new office in Japan's financial district and appointment of Hidet Kobayashi as … more

[ ] Citi's Turkish algo launch a success fuelled by client interest Citi, this week have launched a suite of algorithmic and direct market access trading products designed for trading on the Turkish equities markets. Launched on the Istanbul … more

An unexpected 8.5 percent purchase of YPF by the world's richest man, Carlos Slim, has brought also optimism for the Buenos Aires stock exchange Merval. After weeks of losses due to the seizure of 51 percent of the company by the Argentinian government, YPF's stocks had a high of 9.08 percent last Friday. The stocks in New York also grew - by 6.89 percent and closing the trades at US$ 11.17. It also reflected on other oil companies traded at Merval such as Petrobras Energía, which had a 10.79 percent high. The Merval index had a 3.5 percent high, after some bad weeks.

British Volcanologist: Volcanos Ash Cloud May Last Weeks

Gold closed down for second consecutive week shredding nearly $13 to end the week at $1487.79 after hitting 6-month low. Gold came under pressure as dollar rebounded and U.S crude oil fell more than $2, also, with no Greek default, investors liquidated their positions in Gold.