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Gold edged higher at the start of December 18th trading session before reversing course and falling below $1,700 as reports surface that Congress and the White House are close to striking a deal in the U.S. budget negotiations.

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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

You know when you go to the shops and you are at the checkout and the final tally comes up and you are short of cash and have to put things back? Well if my personal budget is comparable to a supermarket shopping trip like that then I had to put back half the store! Granted, my returns would have been compared to items from the "luxuries" aisle, but then you get used to those type of things don't you?

he Chancellor George Osborne delivered his Autumn statement on 29 November 2010, but this was NOT a Pre Budget Report full of tax information as we had come to expect from Gordon Brown.

Watch FinLit's financial literacy clips (FLiCs) for a variety of information covering student loans, investing, budgeting and more.

Watch FinLit's financial literacy clips (FLiCs) for a variety of information covering student loans, investing, budgeting and more.

Internet of Things, broadband, renewable energy - the government is embracing technology and realising its economic potential. Between the jokes tailored to evoke the maximum jeering from backbenchers, Chancellor George Osborne delivered the 2015 Budget.

1.2.Why top students are being rejected by in-state schools? While in-state students may have the right grades, in-state tuition can not make up for the the budget cuts that universities face.

1.2.Why top students are being rejected by in-state schools? While in-state students may have the right grades, in-state tuition can not make up for the the budget cuts that universities face.

Are you planning your SEO marketing budget? Make sure you keep in mind all the important aspects. Here are 7 crucial insights that you should never avoid. Click to read.

It's not really a matter of whether tablets are better than laptops or vice versa. It's about what type of device is right for the job at hand, which is why plenty of people own a laptop and a tablet. But if you're wondering whether a slate or a notebook is the better gift-or you only have the budget to choose one device or the other-it comes down to what the user plans to do with it. Tablets are better for play and some work, and laptops are better for work and some play.

Brokers said participants adopted a cautious approach and trimmed their positions ahead of wholesale inflation data for September, to be released later in the day and Q2 earnings by Reliance Industries, which has significant influence over 30-share Sensex. Reliance Industries has slashed its budget for developing the three main oil- and gas- producing areas in its showcase Andhra offshore field by $3 billion, citing an unexpected fall in reserves, sources told optiontips.in India plans to relax rules for oil and gas exploration licences in time for the next bidding round, in a move to attract global companies. More News on: http://www.kyachadega.com/2012/10/market-remain-flat-for-day-optiontipsin.html

Gold prices are modestly higher at the start to a new week of trading on December 18, 2012. The precious metal is recovering losses from earlier in the session on mild bargain huntin, and after a report showed manufacturing in the New York area contracted more than expected, boosting expectations for expanded stimulus measures from the U.S. Federal Reserve.

There are many good marketing schools, books, and systems on the market, but all of them require substantial financial backing, which most companies or individuals do not have. It is very easy to make your service or product successful if you have a multimillion dollar budget, but, unfortunately, 97% of companies are not as blessed.

Personal loans bad credit are a favorable monetary choice for the working class people as it offers money to serve any sort of cash emergency in no time. If you have been looking for small and unsecured loan, this loan surely goes apt to your financial budget.

In the financial crisis, everyone wishes to avail the cash help with the easy terms that fit within their monthly budget.