Q: Collect past bills, bank and credit card statements, and receipts that can allow you to put together an accurate estimate of how much money you spend every month. Personal finance software is quickly becoming the new trend in finance. These programs have built-in budget making tools that can help customize your budget, along with analytics that help you project cash-flow into the future and better understand your spending habits. Some popular personal finance software include: Mint Quicken AceMoney BudgetPulse If you choose not to use a budgeting software, you can determine your own budget by using a simple spreadsheet. Your goal is to chart all your expenses and income during the course of a year, so make a spreadsheet that shows all your information clearly, allowing you to quickly identify any areas where you can spend smarter. Label the row of cells across the top (starting with cell B1) with the 12 months of the year. Create a column of expenses and revenues in column A. You can list either revenues or expenses first, but try to group expenses together and revenues together to avoid confusion. You may want to group expense together with category headings. For example, you might have a category of "utilities" that includes your electric, gas, water, and telephone bills. Decide whether you want to include items that are deducted directly from your paycheck such as insurance, retirement savings, or taxes. If you do not include them on your spreadsheet, be sure that you list your net (post-deduction) income rather than your gross (total, pre-deduction) income under the "revenue" section. Add all of your expenses and revenues for the past 12 months, using data from your bank and credit card statements to provide an accurate representation of all of your revenues and expenses. Are you on a fixed salary where you know for certain how much you're taking home each week? Are you a freelancer whose salary varies each month? Documenting a year's history can help you get an accurate view of your average monthly revenue. If you are an independent contractor or freelancer, keep in mind what you bring home is not the same thing as what you earn. For example, you may bring home $2,500 every month, but that's pre-tax. Figure out how much you're likely to need to pay in taxes and subtract that from your monthly income to arrive at a more accurate number. If you are a salaried employee, don't factor in a possible tax refund into your overall income. Your monthly income should reflect only what you bring home after taxes. If you do get a tax refund, you'll get to do with it as you please; if you don't, you won't need to worry about it. What are the bills that you have to pay every month? How much do you spend every week on groceries and gasoline? Do you go out to dinner with friends every Friday night or to the movies once a week? How much money do you spend on shopping? Tracking a year of actual spending will help you develop an accurate view of your spending habits, since most people underestimate the amount they believe they spend every month. If your expenses are greater than your revenue, you are living way beyond your means. Your budget should be divided into two groups: Fixed Expenses. These include regular monthly expenses such as bills, insurance, loan debts, food, and necessary shopping items like clothing and household products. Discretionary Expenses. Discretionary expenses are unfixed expenses that may be "optional." Items that fall into this category include savings, entertainment, vacation funds, and other luxuries.
A: Gather what you need to start tracking your spending history. Consider using software to help you budget. Create a spreadsheet. Document your historical budget data for the last 12 months. Determine your overall monthly revenue history. List all of your monthly expenses on the spreadsheet. Analyze your revenue and expenses.

Article: " Facebook will send you an email that contains a link that will allow you to reset and change your password.
Question: What is a summary of what this article is about?
Navigate to the main Facebook login page at https://www.facebook.com. Click on "Forgot Password" located at the top right corner of your Facebook session. Enter the username for your Facebook account and click on "Search. Follow the on-screen prompts to reset your password.

Q: Keep in mind the number of fish you want to breed, each fish's coloring, and the shape of their tails. If you choose two fish to breed who have the same color patterns, the fry will also have that color pattern. The same principle applies for fin shape. Number of fish: Generally, you will want to select one male and two or three female guppies for breeding. When there is a ratio of one to one, the male often becomes aggressive, chasing the female around the tank. With a one to three ratio, the male's attention is split between three females, making breeding a less stressful process for the females. Color pattern: There are several basic guppy patterns. These include Wild (grey or olive coloring), Albino (light colors or white with red eyes,) Blonde (light colors with black pigment,) and Blue (shimmering blue color.) Tail shape: The shape of guppy tails can range from a rounded back fin to a sword-like shape. There are many different shapes and sizes that guppy tails come in, but the most common are the Delta (which is a large triangular shape,) the Fantail (which is shaped like a fan,) and the Round tail (which is a small, round shape.) You should select a 10 to 20 gallon tank with a heater and a gentle filter. You want the filter to be gentle because otherwise the baby guppies (which are called fry) could be sucked up the filter and killed. If you think your filter is too strong, cover the opening of the filter with sheer tights. The tights will allow the water to be filtered but will also protect the fry. Sadly, guppy parents can turn rather cannibalistic so you will need to provide the fry with hiding places for after they are born. Guppy fry tend to sink, so use low-floating plants for their cover. Some high cover is also required as healthy fry will swim upwards. Do not use any substrate. Substrate are the rocks/imitation rocks used to cover the bottoms of fish tanks. A bare bottom tank is good for fry as it cleans easily and you can record how many fry are alive or how much they eat. Java moss or spawning moss provides a nice hiding spot for guppy fry. Set the temperature to around 77-79 degrees Fahrenheit (25 to 26.11 C) while the females and male are in the tank together. Before you place the guppies in the breeding tank, purchase food with a higher nutritional value in order to promote healthy breeding. At this point, all you can do is wait for your fish to breed. Place the male back in the regular tank when you notice that your female(s) are pregnant. You can tell whether a female fish is pregnant or not by looking to see if there is a dark mark on her abdomen. This mark is called a gravid spot. All female fish will develop this when pregnant, but it becomes noticeably darker when the eggs have been fertilized. Generally, the gestation period will take 26 to 31 days. When your female guppy is ready to give birth, her stomach will be very large and her gravid spot will be a deep black (or dark maroon if you are breeding albino or blond guppies.) Her stomach will also square off like a cardboard box rather than growing rounder. Be prepared for the fact that guppies give birth to live babies and not eggs. You will have to monitor your pregnant female closely so that you are there when she gives birth so that you can remove her from the tank immediately after (she may eat her babies otherwise.) Some signs of a fish going into labor are: being very still and secluding herself, shivering (contractions), hanging out near the heater, or a change in appetite (including refusing to eat, or spitting her food out.)
A:
Select the fish you want to breed. Select the breeding tank. Set up the tank. Adjust the tank for your fish's needs. Place the guppies in the breeding tank. Know when your fish is about to give birth.