Guide to better budgeting

A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, set and achieve your financial objectives, and make advance decisions as to how you want your finances to function well for you.

The main idea in budgeting is for you to put aside a certain amount of money for expected as well as unexpected costs.

Simply put, budgeting means an estimation of monthly home expenses basing it on previous expenses and bills.

The initial step to take in budgeting is to find out how long will your compensation last. Define fixed expenses like car payments, home rental, insurance, etc. Likewise follow up your expenditures thoroughly for a month so you can discover and understand where your funds are going. Through proper determination of your “spending patterns”, you can immediately identify solutions for effective budgeting.

For instance, when you have a steady monthly income of $4,000, you should subtract all your identified monthly bills from that income.

Other bills can be assessed and then subtracted from the amount of your income. The balance that remained after fixed costs can now be your budget in the household. Rather than allocating money for miscellaneous like gas, clothing, entertainment and groceries, financial planning will allow you instead to use proportions or percentages of it.

The strategic solution in order for budgeting to be successful is inflexibility as well as flexibility; there are fixed expenses so payment must be an inflexible factor.

Budgeting will best work when very scarce omissions are made to greater limits. The idea here is to formulate goals and plans, then abide by it as much as you possibly can.

Here are tips on how to budget:

1. Have good sense of money management. Your attitude is essential. Reach an agreement and compromise and know the significance of reducing expenditures; it all involves a lot of sacrifice.

2. Plan your situation. Make a listing with your earnings to one side and your overheads on the other side.

3. Know the difference between luxuries and necessities. List down what you believe as luxuries, with it, split the list in half, crossing out half the list.

4. Practice frugality but with dignity. You can have fun with little or without spending at all. Rather than going shopping, play with the kids at the beach or at the park.

Budgeting is an effective and fundamental tool that is readily available to everyone. Consider it, and benefit from it.

Scotch is getting younger

The notion that all scotch must be at least 12 years to be enjoyed is a common understanding among scotch drinkers everywhere. However, one company is out to prove them wrong. This scotch is just two years shy of the twelve year mark, but is growing in popularity.

Enter Glenkinchie … this ten year old malt is 86 proof and a very pale gold in color. It has a reminiscent fragrance of peat and a grassy meadow that ends rather sweet. Its body is light to medium, it is considered to be well-rounded lowland malt. In the end it stays dry, and carries a hint if ginger.

Originally formed in 1837 by a farmer, this malt clearly has some history. The original owner of the distillery sold it to another farmer who used the distillery as a cattle shed and sawmill. This property was again sold in 1880 and returned back to its natural intention to make fine malt just in time for the whiskey boom in the 1890’s.

This single malt will be enjoyed by the new and revered by the old single malt enthusiasts.

Six tricks for organic gardening

Organic gardening is the way of growing vegetables and fruits with the use of things only found in nature.

Why would one want to indulge in organic gardening?

1. One can easily make compost from garden and kitchen waste. Though this is a bit more time-consuming than buying prepared chemical pesticides and fertilizers, it certainly helps to put garbage to good use and so saves the environment.

2. Organic farming does not use chemicals that may have an adverse affect on your health. This is especially important when growing vegetables. Chemical companies tell us that the chemicals we use are safe if used according to direction, but research shows that even tiny amounts of poisons absorbed through the skin can cause such things as cancer, especially in children.

On the average, a child ingests four to five times more cancer-causing pesticides from foods than an adult. This can lead to various diseases later on in the child’s life. With organic gardening, these incidents are lessened.

Remember, pesticides contain toxins that have only one purpose – to kill living things.

3. Less harm to the environment. Poisons are often washed into our waterways, causing death to the native fish and polluting their habitat.

4. Organic farming practices help prevent the loss of topsoil through erosion.

The Soil Conservation Service says that an estimated 30 – 32 billion tons of soil erodes from United States farmlands every year.

4. Cost savings. One does not need to buy costly chemical fertilizers and pesticides with organic gardening. Many organic recipes for the control of pest and disease come straight from the kitchen cupboard. Sometimes other plants can be grown as companions to the main crop. An example of this is the marigold, which helps to repel aphids from vegetables.

Mixing 1 tablespoon of liquid dishwashing soap and 1 cup of cooking oil can make a cheap garden pest spray. Put 3 tablespoons of this mixture in 1 quart of water and spray on plants.

5. A simple mulch of pine needles will help to suppress the growth of weeds as well as keeping the moisture in.

6. Organic gardening practices help to keep the environment safe for future generations.

Mistakes to avoid when using web templates

Website templates are very affordable and they save you a lot of effort and time when you want to create a new layout for your website. However, a lot of people make mistakes in the process of choosing and using a web template and end up with something that was unlike the image they had in mind. Here are some guidelines to help you avoid those mistakes.

The first obvious mistake you should be aware of is using a template that is very popular. If many people use the same template, your website will not appear unique at all and your credibility as a solid, different website will be tarnished. In other words, you will appear generic just like your next-door neighbours.

To whole point of using a web template is to save time and effort. You just change the title and appropriate details and you’re done. The biggest mistake one makes is to customize the template beyond recognisation. While that may be good in the sense that you’re creating a unique graphic, you’re defying the very purpose of using a web template — saving time and effort.

However, on the opposite side, if a template you purchase is suitable but some changes must be made to suit your site’s theme, then you will have to take some time to make the changes. For example, you can find a very nice template that suits your hobby site except the original designer has put an image of stamps in the header. You can find images of garden plants and spades to replace the stamps for your gardening hobby site. However, do only make the necessary changes and don’t redesign the whole template.

In some circumstances, some people simply make the wrong choice of templates. This is a very subjective issue but you have to be careful in selecting templates to suit your audience. Do not choose templates just because they are pretty, choose them because they serve your purpose.

Three traffic tactics that won’t cost you a cent

Are you constantly banging your head in frustration on not receiving all the internet traffic you would like to get to your web site? Are you tormented from information overload listening to all the latest free website traffic tactics and not being able to understand any of it? Are you dejected of people trying day and night to harassing you to max out your credit card and get loans for Google clicks, and in the process loose your credit score? Are you stupefied by the way your website just dropped out of the Google search results? Or are you just too broke and all you have to rely on is getting some free website traffic tactics?

You can employ website traffic tactics without spending dime. However, knowing how is the real deal. Here’s the score:

1. Link it

Of all the effective website traffic tactics that can get you best results, linking to and from other websites is the one of the most widely-used method. Just make sure that the Internet business you are exchanging links with is relatively if not utterly related to your own business. And of course, don’t overkill as this might ban you from search engines.

2. Meet Meta Tags

Another way of to acquire your desired traffic for your website is through having your Meta tags contain usually used keywords that target your business. Meta tags help search engines in describing your web page. If you’re quite adept with the HTML aspect of your web pages, manipulating your meta tags would be a breeze.

3. Keyword-rich AND sensible content

Writing or acquiring articles that provide solid information regarding your business is one of the best ways. Making use of free keyword suggestion tools such as Overture will help you on which keyword or phrases to work on to better lead more traffic to your website. Making these write-ups very readable and genuinely informative will make you many repeat visitors to subsequently become repeat clients.

Submitting these articles to various article directory listings will provide more visibility for your business as long as you keep your resource box in tact to create for yourself numerous back links.

These methods, if employed properly, will not only make your web site popular but will make you achieve your most desirable result – higher conversion rate.

Safe pest control tips for your garden

Pest control must be done with utmost consideration to safety; safety in terms of the plants, animals and humans. This holds especially true for those with vegetable and organic gardens.

The main purpose of growing vegetables organically will be defeated if they become tainted with pest control chemicals.

Here are a few long-term maintenance tips to make pest control less damaging and more environmentally friendly.

1. Use the physical pest control process.

This may be accomplished through picking grubs off by hand, creating barriers and traps and plugging holes. Snails can be found hiding in damp places under rocks and towrds the base of those plants with straplike foliage.

2. Apply biological pest control.

Encourage predatory insects such as green lacewings and dragonflies to feed on aphids and other pests that attack your plants. You can do this by placing a shallow bowl of water in the garden. Dragonflies especially will hover around water. Bacterial insecticides such as B. thuringiensis could also be used against caterpillars.

3. Only as a last resort should we turn to chemical pest control.

Organic pest control methods can be successful and the ingredients for many of the recipes can be found in the kitchen cupboards. If chemical sprays are really necessary, try and find the least-toxic. These include insecticidal soaps, horticultural oils, dehydrating dusts, etc.

4. Consider the use of safer pest control substitutes.

Recipes for alternative pest control include the following:

Against Green Aphids and Mites – Mix 1 tablespoon of liquid soap and a cup of vegetable oil. Dilute a teaspoon of this solution in a cup of water and spray on aphids and mites.

Against Cockroaches – Dusts of boric acid can be applied to cracks or entry points of these insects. Bay leaves on pantry shelves could also help in warding off these critters.

Make sure that the chemicals you use are made specifically for the insects you are targeting.

Keeping your account from being disabled and useful books about the program

How Can I Make Sure That My Account Will Not Be Disabled?

Google Adsense Program Policies make no allowances for deceptive practices. The most important thing a publisher can do to ensure the integrity of their site is to be aware of what is happening on your site.

Google has made it abundantly clear not to click on your own ads or ask others to do so. But what about practices a publisher may not purposely carry out?

Make sure that ads associated with Google never appear in an unrequested pop-up. Don’t be talked into purchasing traffic for your site that may contain adware.

Respect the Google trademarks. Don’t use any Google trademarks or logos without their consent.

Don’t change the Adsense code. If you’re a pro at html, don’t assume you can add your own code. If you’re new to html, simply copy and paste the offered code. Don’t mess with it.

Provide a good environment for advertisers and a positive user experience. Don’t try to be deceptive in any way. Google’s rules may sound strict, but believe me, protecting the integrity of the Google Adsense Program is in your best interest as well as Google’s. After all, a positive, honest Google Adsense program means more money for all of us.

Useful Books About the Google Adsense Program For Users of All Stages

Do you need to buy a book to use Google Adsense? Not necessarily. Google’s support page has a wealth of information. But you might consider it if you want to read a personal account of an Adsense wizard such as Eric Giguere or say, if you want to learn more about HTML. ‘Who Let the Blogs Out: A Hyperconnected Peek at the World of Weblogs by Biz Stone has a lot of information on blogging as well as information about Google Adsense. The following is just a few books you can find at on the subject:

Make Easy Money with Google: Using the Adsense Advertising Program By Eric Giguere

The Google Adsense Handbook By Angus McLeod

Google Advertising Tools: Cashing in with Adsense, Adwords, and the Google APIs by Harold Davis

Top-Paying Google Adsense and Adwords Keywords for Pharmaceuticals (In Digital Format) [Download: Adobe Reader] By W. Frederick Zimmerman

The Complete Idiot’s Guide to Growing Your Business with Google By Dave Taylor.

Niche websites with articles

Choosing a good niche subject to base your website around is one of the most important aspects of making money off of your articles. This will give you a foundation to build from and you can target one general audience with a pack of keywords that they are most likely to be searching for. You should take each one of these keywords and use it for the basis of one article on each page. This way, even though you are targeting one specific subject, you will be sure to interest a wide variety of people in that one niche. They may also find other pages that interest them, which will keep them returning to your site to learn new information about the niche subject.

The best way to find keywords for your niche subject is to use a keyword software program and type in the word that is the subject of your niche. This will generate a list of keywords or phrases that contain your niche and will also show you approximately how many people search for each word or phrase. Some software programs may also tell you how many sites are out there to compete with for each word or phrase (this will help you know if those sites are worth competing with for the number of searches out there). You then deicide which of these would be most profitable by determining which have the least amount of competitors, so that you have a chance at making it to the first or second page of search engine results, but that also have a decent amount of people looking for that keyword or phrase each month. These will be the keywords or phrases that you will base the pages of your niche site on.

If there are a number of topics that you like, pick the one that you feel would be easiest to start with and then, once that site is built and generating some revenue, you can start another site. The most profitable website marketers, who use their talent of finding niches and combining that with good site content and a handful of affiliate links, have a good amount and variety of niche sites that they have started. You are never limited in what you can do with niche website marketing, unless you find out that you do not have the marketing skills or the needed funding to make it happen. Otherwise, the sky is the limit!

Online gardening catalogues at your disposal

Are you searching for gardening catalogues? What kind of gardening and plants do you prefer to read about? There is a wide selection available online. Here are a few websites that offer gardening catalogues. Check out the URL to see if they are free or not.


Along with nursery facilities, Jackson Nurseries offer landscape designing, ground designing and wholesale plants at wholesale prices.


If you are looking for flower bulbs, McClure and Zimmerman have each and every variety. They have a no fuss website navigation that allows interested clients to easily order gardening catalogs.


In business for over 50 years, Nichols Garden Nursery has an online catalogue unit offering seeds and plants. Their 76 page free gardening catalogue can be ordered by filling out their catalogue request form online.


Gurneys offer great deals like buy one, get one free. They also have a no-risk guarantee and a scheduled shipping of orders according to categories of plants, i.e., roses, herbs, shrubs, and trees, tender annuals, and all other plants and bulbs.


Home Harvest Garden Supply offers alternative gardening products, i.e., organic fertilizers, hydroponics, natural insect controls, container, hobby greenhouse, propagation and irrigation supplies, indoor plant grow lights and other rare gardening supplies. They offer an online catalogue for every gardening enthusiast.


Jackson and Perkins are known to be one of the best American gardening experts. They are reaching out to other gardening aficionados through their website, offering gardening products through their catalogue. They sell a wide range of plants – from new award-winning roses and easy to grow perennials, to special outdoor decor. Flowering gifts may also be sent directly to your friends by ordering from their site.


This site offers an online catalogue that specializes in imported Chinese tree peonies (from Mainland, China).

While free online catalogues may be good source of gardening supply information, you may also be deluged with a flood of promotion about other products.

Understanding image ads and making Google adsense dollars with writingup

What are image ads?

Image ads are graphical ads. Unlike traditional banner ads, image ads are also targeted to the appropriate audience, just like text ads. A publisher that has a combination of image ads and text ads has a greater revenue generating potential.

Image ads are only for Adsense for Content pages and not available for Adsense for Search results pages.

There are 5 major formats of image ads. The Leaderboard, which is about twice the size of a banner ad, the banner image ad, the skyscraper, the wide skyscraper and the medium rectangle. Google’s technology determines on a page by page basis whether image ads, text ads, or a combination of both will make you more money and then delivers the appropriate format.

You can choose to run only image ads, but Google recommends selecting both, thereby giving them a better chance to target the right advertising for your page, generating more revenue for you.

Bottom line: taking these two methods together will give you the best chance at making the most revenue.

How to Make Google Adsense Dollars at

To get started blogging at, first you’ll need to create a Google Adsense account. If you’ve already done that, you’ll just give them the same publisher id you got when you originally signed up with Google Adsense. Since you can only have one Google Adsense account, you will always use the same publisher id on every site you add. Next, you’ll create an account at and within minutes, start blogging!

You still have to follow the Google Adsense rules as to the type of content not acceptable but other than that you have carte blanche as to what to write about in your blog. Paste your URL into your email signature and every time you send someone an email, you will be referring them to your blog, thus increasing your traffic on

Comment on other publisher’s blogs. If you interact with the blogging community, you are more likely to have your blog read more often. Again, traffic. has a list of successful topics you can write about. You don’t have to choose from that list of course, but it’s quite extensive and if you look it over, you’ll probably find something that interests you. They are successful topics because they turn up in search engines a lot. More traffic.