Read this ringtone article Tips For People Who Stress About Money


Author: blueboy
Money or the lack of it, can cause many people a great deal of stress. People often play mind games with themselves by worrying about certain situations. How will I be able to pay if my car breaks down? How will I cope if I lose my job? In this article, I give money management advice to help people to de-stress about their financial position and future. Worrying about money is especially true for people who are self-employed. They worry about what might happen if business becomes slow and fear that they will not be able to their mortgage etc. Most businesses go through peaks and troughs and it is of course during the lean times when people start to stress. Even though the peaks are possibly just around the corner it becomes very hard to positive. In this situation I would advise people who are self-employed to build up a financial safety net. This money can be saved when they are having a good period and can then be spent when things are not going so well. How will I pay for the mortgage if business falls? Answer, by the money you have saved up, so calm down, you will be fine. The periods when business is slow can be used to re-charge the batteries and can also be used to think up fresh ideas, of the direction you want the business to go in. For all people it is important to know how much money is likely to be coming in per month and how much money is likely to be going out. In business this is not all that easy to do, however in family life it should not be too difficult to predict. If the amount that is seemingly going out is more than what is likely to be coming in, we then need to look at what we are spending. This next idea might seem a little sad but can actually be quite fun. I would advise people to keep a record during one month, of everything they spend. It is not as hard as it may sound and will give you an insight on how much money you actually waste. For example, how many people are members of a gym, but never actually go there? How much money do you spend on take-away food per month? Do you always need to use the car, is it not possible to walk a little more often, therefore saving on petrol costs? How much money do you spend on cigarettes? Do you really need the latest flat screen television? During the good times we can afford to waste money, however if you are worrying about money, it is time to tighten your belt. I myself try to save a certain amount of money per month and invest it in a unit trust. Over time the fund value builds up and if I ever need a lump sum for example, car repairs, I just cash in some of the units. I also allow myself to take out a certain amount of money at the start of each year. This helps me to pay for my car insurance, road tax and to book a family holiday. This has been working well for me for the last five years and is something I plan to continue. It is always worth planning for the future in this way, not just to cover you if your car breaks down but also for many other reasons. You may want to build up a little nest egg to: pay for your daughters potential wedding buy the car of your dreams have the holiday of a lifetime buy a house re-locate abroad buy a business for your retirement help fund your childrens university fees I am now aware of how much money I am likely to spend per month. I like to have treats and waste money as much as the next man. I am more than happy when money is tight to give up these treats and see it as a battle of wills. I hope you have found this article interesting and of use. Article Source : http://www.articledashboard.com Stephen Hill helps to promote a number of websites including: stuttering information cheap ringtones quality aviation cleaning products ...


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Read this about ringtone Window-Dressing: How to make your own wallpaper


Author: Philip Nicosia
Gone are the days of limited mobile phone customisation, when all the possible modifications come with the cellular phone package as it is bought, or have to be bought separately at the store. Aside from the many stylish accessories out in the market, such as cellular phone covers, casings, and straps, you can also make use of ring tones, screensavers, and wallpapers to personalise your phone's interface. Due to the increased connectivity and additional functions of newer models, it is quite easy to make your cellular phone screen appear just the way you like it. Nowadays, your cell phone wallpaper can match your every mood. To personalise the look of your phone screen, the wallpaper in particular, you can choose between the files already provided in your cellular phone, and the many phone wallpaper size photos found on different Internet sites. One such site is www.ringtones.lt , where you can find wallpapers of popular animation characters, celebrities, sports cars, athletes, movie stills, and more. Of course, you can also make your own, and it should not cost a lot. After all, it's the best way to guarantee that your mobile looks as different as can be. Ready to make your own customised wallpaper? Here's how: If your cellular phone is equipped with a camera, the pictures taken with it are often ready to use as wallpapers. Therefore, the most up-to-date wallpaper is merely a click away. Take pictures with it�lots of pictures! Not only will it provide you with a wide selection of wallpaper images, the practice will also help develop an artistic flair in you. This way, you will be able to take better pictures and find better subjects to take pictures of, whether or not you have had training in photography. You can also make sure of it by finding simple photography tips from online sites and forums, and applying a certain style that you find interesting. You can keep the photo wallpapers interesting by using the pictures you took during rare trips or a vacation in a faraway land. Some exciting subjects are festivals, odd-looking animals, extreme games stunts, and maybe your first hot-air balloon ride. On the other hand, you need not look farther than your very own backyard to be able to take worthy photos. Some examples are pets, the sunrise or sunset as it is seen through your window, portraits of your loved ones, a flower blooming in your garden, and your favorite food served on a decorative plate. Meanwhile, for the most unique wallpaper, you can just go ahead and take pictures of yourself. For those who are more skilled in design and the use of design software, you may also try drawing your own wallpaper using your computer. Be sure to check the image size and type of file that is compatible with your unit. You can then upload it to your mobile phone using Blue Tooth or a USB connection. While your phone screen is quite small, remember that there are no limits to the modifications you can do. All you need to do is imagine, then create the picture. Article Source : http://www.articledashboard.com Ringtones.lt is a site specialising in the different genres of ringtones , cell phone wallpapers and cell phone screensavers . ...


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