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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

Forget Gold invest in Silver says Mike Maloney

The friendly but forgetful blue tang fish begins a search for her long-lost parents, and everyone learns a few things about the real meaning of family along the way.

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I'll never forget the first time I flew the F-16. The rush of adrenaline was amazing. The tower controller cleared me for take-off and from the back seat my instructor pilot, Captain "Deke" Slaton, called out over the intercom, "Push it up, Waldo!"

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It's easy sometimes to forget that the wedding has anything to do with you. Your bride, as beautiful as she is, talks about nothing but flowers, dresses, and canapes. Have you ever even had a canape? Next to picking your team of best man and groomsmen, you don't have that much to do - or do you? These guys are going to stand with you on one of the biggest days of your life, and you need an awesome way to say thanks. The best way is by buying them gifts, but not just any gifts, cool gifts!

Mangoes for Glowing Skin are great for your skin as they have the ability to reduce dark spots, blemishes and acne, thus imparting a natural glow to your skin. Vitamin A and Beta carotene in this fruit restore, rejuvenate and revive your skin with vigor as well as add shine to your skin. Mangoes are delicious for your skin and not just for your taste buds. Does that sound strange to you? Well, while mango is loved by thousands and thousands of Indians for having catered to their appetite for ages with its exotic sweetness and flavor, not many people are aware of the beauty benefits that this soft, juicy fruit is capable of. Mangoes can be amazing for your skin. Therefore, do not forget to treat your skin with its pulpy flesh while gorging on frozen mango slices and relishing mango shakes in this summer. Mango juice Clears the Skin is an advantage of mango juice is that it enhances the beauty of your skin by providing essential nutrients in great quantities. Acne, pimples and other skin issues can be treated by using the Mango Drinks externally. You just need to apply the mango pulp on your skin for about ten minutes. After the recommended time, wash your skin with tepid water. Mango juice For Glowing Skin-top Five Facts: * Mangoes which is rich in Vitamin A (beta-carotene), contains powerful anti-oxidants thus, it helps in imparting a younger-looking skin. * It is helps in regeneration of skin cells. * It is useful in restoring the elasticity of skin. * Including mango in skincare regimen ensures that dry skin is moisturized and it helps to prevent wrinkle formation. * It helps to shield the skin from clogged pores and sun damages.

A wheelchair can help you regain mobility lost due to an injury or chronic health condition. Depending on the size and ability of the user, a lightweight wheelchair or heavy duty wheelchair might be for daily use or as an aid when you need to go a distance farther or longer than you can comfortably walk or stand. Traditional self-propelled wheelchairs have two large rear wheels and a pair of smaller wheels in the front. Advances in design and materials have made different wheelchair models available to suit different needs and body types. Lightweight wheelchairs are easier to maneuver as well as being easier to take on trips, when the wheelchair will be folded and stowed in a car trunk. Wheelchairs of all types typically support up to 250 pounds of body weight. For those with a higher weight, heavy duty wheelchairs, also called bariatric wheelchairs, provide a wider seat for comfort and stronger frame for durability and support. Heavy-duty chairs offer wider seat widths and weight capacity up to 500-lbs. These are folding wheelchairs, shipped assembled ready to use right out of the box.The adaptive equipment is built with a carbon steel frame, extra heavy duty front forks, dual cross bars, reinforced side frame and steel gussets capable of holding up to 700 lbs. The frame has a chrome, chip-proof finish and the upholstery is reinforced making this an easy-to-maintain and durable wheelchair. The mobility aid also comes standard with steel spoke wheels with chrome hand rims, extra large padded armrests for comfort, flat free 8" front casters and push-to-lock wheel locks. Footplates (sold separately). features Extra heavy duty front forks Extra large heavy duty aluminum tapered footplates provide maximum support and are attractive and crack proof (Must be ordered separately) Extra large, contoured plastic armrests provide comfort and support Footrests are tapered for comfort Heavy duty, flat free 8" front casters are adjustable in 2 positions Pow

A wheelchair can help you regain mobility lost due to an injury or chronic health condition. Depending on the size and ability of the user, a lightweight wheelchair or heavy duty wheelchair might be for daily use or as an aid when you need to go a distance farther or longer than you can comfortably walk or stand. Traditional self-propelled wheelchairs have two large rear wheels and a pair of smaller wheels in the front. Advances in design and materials have made different wheelchair models available to suit different needs and body types. Lightweight wheelchairs are easier to maneuver as well as being easier to take on trips, when the wheelchair will be folded and stowed in a car trunk. Wheelchairs of all types typically support up to 250 pounds of body weight. For those with a higher weight, heavy duty wheelchairs, also called bariatric wheelchairs, provide a wider seat for comfort and stronger frame for durability and support. Heavy-duty chairs offer wider seat widths and weight capacity up to 500-lbs. These are folding wheelchairs, shipped assembled ready to use right out of the box.The adaptive equipment is built with a carbon steel frame, extra heavy duty front forks, dual cross bars, reinforced side frame and steel gussets capable of holding up to 700 lbs. The frame has a chrome, chip-proof finish and the upholstery is reinforced making this an easy-to-maintain and durable wheelchair. The mobility aid also comes standard with steel spoke wheels with chrome hand rims, extra large padded armrests for comfort, flat free 8" front casters and push-to-lock wheel locks. Footplates (sold separately). features Extra heavy duty front forks Extra large heavy duty aluminum tapered footplates provide maximum support and are attractive and crack proof (Must be ordered separately) Extra large, contoured plastic armrests provide comfort and support Footrests are tapered for comfort Heavy duty, flat free 8" front casters are adjustable in 2 positions Pow

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