Summarize the following:
To start making a budget, you'll have to write down all the expenses you have during the course of a month. This includes the obvious, like rent and utilities payments. However, think of the not so obvious things as well. Do you have medical bills? Credit card payments? Insurance payments? Student loans? Take these into account as well. You should also consider expenses that aren't necessary, but that you pay for each month. This includes eating out, shopping, entertainment, as well as food in general. You may not know exactly how much you spend each month, but try to get a rough estimate. If you have an online bank account, you may be able to go through your purchases that month and get a more accurate sense of how much you spend on unnecessary expenses. There are lots of budget tracking programs available to help you understand where your money is going. For instance, you could use Intuit's mint.com to keep track of your expenses. Once you have a sense of how much you spend, add up your income. This includes, of course, how much you make in a month. There are also other things to take into consideration. Do you get money from other places each month? Do you have a part time job or do you do any freelance work on the side? Do you receive any benefits? Do you receive money from your family? Write all these sources of income down, and add up the total. Non-discretionary expenses include mortgage or rent payments, taxes, insurance, utilities, childcare, and groceries. Don't include entertainment expenses or eating out, since these are discretionary expenses. Subtracting nondiscretionary expenses from your income will show you how much disposable income you have. Your number may be lower than you expect. You may be surprised to find that you do not have a lot of disposable income. Realizing this can help you learn to spend your money more wisely in the future. You may realize you end up with a negative number. This is a sign you're spending more than you earn. While this can be startling to realize, take this as an opportunity to take a hard look at your spending habits. Are you accruing credit card debt? Where are you spending most of your money? Do you need a higher paying job? If you're spending more than you earn, you'll have to cut back on expenses or seek work that can pay for your lifestyle. If you have some extra money it can be helpful to breakdown how you want to spend it. You can return to your list of monthly expenses and look at the extras. Where is most of your extra money going? Are you happy spending so much extra money on, say, going out on the weekends? Or would you rather put that extra money elsewhere? You can give yourself a rough breakdown of how much you will spend on extras each month. You'll have to decide what you really enjoy. If you could stand to miss Friday night happy hour a couple times a month, but love taking your wife out to dinner on Sundays, take this into consideration. Let's say you have $500 a month of disposable income. As Sunday dinners are important to you, allocate $150 of this to eating out. This should give you more than enough for a few nice meals, and a bit of extra if you want order pizza on a busy weeknight. You'll have $350 left that you can allocate to different extras and treats throughout the month or save to put toward a larger goal, like a retirement fund or a downpayment on a home. Write your budget down and track your expenses during the month, trying not to go over-budget. During the first few months of budgeting, it may be hard to stick to your budget and you may occasionally overspend in some areas. That's okay. Just keep at it, and eventually you'll find it easier to spend within your limits.

summary: Write down all your expenses. Add up all income. Subtract your non-discretionary expenses from your income. Decide how to spend your disposable income.

Summarize the following:
You can use a gas or charcoal grill to cook lobster. Make sure the grill is clean and there is no food or char left from a previous meal. Place kitchen shears between the exoskeleton, or shell, and the meat of the lobster. Cut down the center of the tail, but leave the tail fan intact. Pry apart the shell and separate the meat from the exoskeleton using your fingers. Then, cut or pull out the vein running through the center of the tail. Use a pastry brush to coat the tail with olive oil. This will help prevent it from sticking to the grill. Season the meat with salt to taste. Carefully arrange the tails cut-side-down on the grill over direct heat. Cook them for 5 minutes or until the shell color brightens up. Then use tongs to flip each lobster tail over. Spoon or brush about 1 tablespoon (15ml) of melted butter onto the meat of each lobster tail. You could even add chives, tarragon, garlic, or other herbs and spices to the butter first, if you wish. Cook them for another 4 minutes. They're done when the meat turns an opaque white. Carefully remove the tails from the grill using tongs, then turn off the grill. Transfer the lobster tails to plates. Then, cut a lemon into quarters or eighths and add a wedge or 2 to each plate. Garnish each dish with a few sprigs of chive, then serve with butter and enjoy!
summary: Preheat the grill to medium heat. Cut the lobster tail with kitchen shears and remove the vein. Brush the tails with olive oil, then add salt. Cook the tails cut-side-down for 5 minutes then turn them over. Brush the meat with butter and grill the tails for another 5 minutes. Remove the tails from the grill and serve them with lemon wedges.