Courtesy of The Peter Kubiczek Team

BUDGETING WITH CASH AND ENVELOPES Budgeting your monthly expenses isn't a new concept. Most people have some form of budgeting that works for them. With costs on the rise, some people are turning to a popular budgeting solution that uses money envelopes to track spending. It allows users to stay accountable to their budget and prevent overspending because once the money from the envelope is spent, it is not replaced until the next envelope filling day. Here are the basics: 1. Create an envelope for each expense category in your life, for example: groceries, entertainment, eating out, gas, savings, debt, etc. 2. Determine how much you typically spend in each category taking

the past few months into account. If you find you overspend in one category, determine how much you want to spend and start there. 3. When you get paid, fill each envelope with the appropriate amount of cash. If you get paid twice a month, put in half each payday. The money in the envelope can ONLY be used on what it is allocated for. Take the envelopes with you on your shopping trips and errands. If a purchase is overbudget, reconsider the purchase. 4. Remember, no borrowing from one envelope

to fill another. If you find that is happening frequently, go back to step two and see if you need to adjust your amounts in the envelopes. 5. If you pay your bills online or tend to shop online, keep track of money spent on the envelope and stick to the budget you allotted. It's tricky to not overspend, but it is possible. Over time, you may find you're able to save more by being more aware of what you're spending your hard-earned money on.

JOKE

Question: Five friends were eating tacos. Amber finished before Laura, but behind Marlene. Dianne finished before Jennifer, but behind Laura. What was the finishing order?

Answer: Marlene, Amber, Laura, Dianne and Jennifer.

Directions: A is south of E: D is south of V B is north of T and west of E C is west of Y and south of G E is west of S and south of J F is west of O: G is east of P H is east of J and north of O I is east of U: W is east of B L is south of B: M is north of Y N is north of U: O is east of A P is north of T: Q is west of V R is west of C: Z is north of F S is east of V and north of I K is south of J and east of T Y is east of T and south of V

ALPHA-GRIDDLE

Use compass directions to find the correct locations for the missing letters of the alphabet. When you have completed the grid, see if you can discover the hidden city, country, river or mountain located in the completed grid. Note: North or south means any location along the same column. East or west means any location along the same row.

Courtesy of www.puzzlechoice.com

Solution:

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