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Caliraya: An Avenue of Faith |
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Written by Excel Dyquiangco
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Monday, 13 August 2007 |
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Nestled atop a portion of land overlooking the man-made Caliraya Lake in Lumban, Laguna is an idyllic and pristine piece of property that offers more than the amenities of a usual retreat house.
For one thing, Caliraya Re-Creation Center chooses an in-design of fairly humble innovations for rest and relaxation. For another, the resort gives off a melancholic and quiet feel that has guests getting easily in tune with nature and with God. | | |
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Last Updated ( Saturday, 12 April 2008 )
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Budgeting on a Fluctuating Income |
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Written by Administrator
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Wednesday, 15 October 2008 |
by Crown Financial Ministries
 One of the most difficult budgeting problems for families with fluctuating incomes, such as those whose salary is based on commission sales, is knowing how to allocate monthly spending.
The normal tendency is to spend the money as it comes in. This works great during the high-income months, but it usually causes havoc during the lower income months.
Living on a fluctuating income can be very deceiving—and difficult. However, families with fluctuating incomes need budgets even more than families on fixed salaries. Many people on variable incomes get trapped into debt because they borrow during lean months and spend what they make during high-income months rather than repay what they had borrowed. There are two things to remember when budgeting on a fluctuating income.
First, always separate any business-related expenses, such as car maintenance, meals, or living accommodations from household expenses. Separate checking accounts and separate credit cards for business expenses are most advisable.
Second, estimate the average annual income (low estimate). Divide the annual income estimate by twelve, and then develop the monthly budget around that amount. | | |
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Last Updated ( Sunday, 19 October 2008 )
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Nov.12
