You'll be creating multiple sheets in this workbook to handle tracking all of your costs. This will create a new blank worksheet. This sheet will house the table that tracks all of your product's variable costs, such as shipping, commission, and other costs. To create a basic variable costs table, enter "Description" into A1 and "Amount" into B1. Below the "Description" header, enter the types of variable costs you'll be dealing with for your product. You'll be filling out the actual costs later in the process. Turning the data into a table will make it easy to plug into formulas later: Select all of the data, including the header row and the blank amounts, by clicking and dragging your mouse over all of the cells. Click the "Format as Table" button. You'll find this in the Home tab. If you're using Excel for Mac, click the Tables tab, click the "New" button, and then select "Insert Table with Headers." Check the "My table has headers" box. This will preserve the labels in the first row as header labels. Click the "Table Name" field in the upper-right corner and name it "VariableCosts."

Summary: Open Excel and create a new blank workbook. Click the "+" button next to "Sheet1" at the bottom of the screen. Rename the new sheet to "VariableCosts." Create header labels for the new sheet. Enter in the names of your business's variable costs in column A. Leave column B ("Amount") blank for now. Create a table from the data you've entered.

Have you considered asking for a raise at your job? Earning more money could be a simple as negotiating with your boss. You can also inquire about the opportunity to move up in your company, take on extra work, or work overtime. Consult your boss and see what opportunities are available for you. Nowadays, lots of people have a side job. Consider taking on some extra work in order to earn more money. Some ideas include: Picking up freelance writing jobs Driving for a rideshare company Performing market research online Selling handmade goods If you want to lower your debt-to-income ratio, you need to track your income and expenses. This way, you can discipline yourself to stay within your means. Determine your monthly income. Include your salary, investments, interest income, and any other way that you earn money each month. Determine your monthly expenses. Include everything you pay for every month, such as debt payments, rent/mortgage, utilities, groceries, gas, restaurant, subscriptions, tuition, and anything else. Subtract your monthly expenses from your monthly income. If your income is more than your expenses (and hopefully this is the case), the money that is left is your discretionary income. This can be used toward savings and debt relief. Every month, try to stay within your budget. Finding ways to reduce your expenses every month can give you more money to pay off your debts. Some ways to reduce your expenses include: Limit how often you eat out. Prep meals at home and bring your own lunch. Be aware of how you use energy at home. Energy efficient lightbulbs, turning down your heat, and keeping things switched off can help reduce energy bills. Unsubscribe from superfluous services, such as magazines or online streaming services. Try using less data on your cellphone and switching to a smaller plan. Maybe consider getting rid of your home phone and using only a cellphone.

Summary: Secure a larger salary. Start a side job. Stick to a budget to make sure your debt gets paid. Reduce your expenses so you can put toward your debt.

There will be several signs to help you anticipate when labor is imminent; watch for them so you can be prepared when your dog enters labor. Her teats will appear enlarged when your dog is close to giving birth because her milk is coming in. This can happen within a few days or as labor begins, so watch closely. The vulva will start to get more relaxed a few days before labor. The dog's temperature will also drop a degree or so about 24 hours before labor. Take her temperature every morning for the last week or two of pregnancy to get an idea of her normal temperature. To take her temperature, lubricate a rectal thermometer and insert it about half an inch. Leave the thermometer in for about three minutes to get an accurate reading. Her normal temperature will likely range between 101 and 102.5 degrees Fahrenheit. When you notice a drop of a degree or more, it's a likely sign she'll go into labor in 24 hours or less. In the early stages of labor, your dog may pant, whimper, move around as though uncomfortable, or hide. She will probably not want to eat, but be sure to offer her water, though she may also not drink. When she has a contraction, it will be easy to identify--it will appear as a sort of wave across her belly. If you see contractions and suspect she is in labor, let her have access to her nesting area and monitor her from afar. Many dogs will give birth during the night to have ultimate privacy. You don't need to hover, but you should start paying attention to the timing of contractions and the delivery of puppies. Again, observe from a respectful distance and don't intervene unless necessary. You will notice her contractions become more frequent and/or pronounced as she gets closer to delivery. She may stand up, which is fine--don't try to force her to lie down. As she begins to deliver the puppies, keep a close eye on each birth and watch for warning signs of problems. The puppies may be born either tail or head first; both are normal. She may yelp or whimper as the pup comes out, which is to be expected. But if your dog appears to be in extreme or abnormal pain, call your veterinarian immediately. Usually, a pup will appear every thirty minutes or so, after ten to thirty minutes of forceful straining (though she may go as long as four hours between pups). Call your veterinarian If no pup appears within 30-60 minutes of hard contractions. Also call your vet if it's been over four hours since the last delivery and you know there are still unborn puppies. Keep an eye on each pup after it's born and watch for signs of problems, though you likely won't need to intervene. When the mother delivers, the pup will be in a sac; she should tear it open and then chew off the umbilical cord and lick the pup. It's usually best to let her do this without human assistance because it's part of her bonding experience with the puppies. If she doesn't tear open the sac within about two to four minutes, however, you should gently open the sac yourself with a clean hand. Clear all fluid away from the pup's nose and mouth, then rub the pup vigorously but gently to stimulate breathing. Make sure the puppies are warm, but, again, don't intervene unless you see a problem. Neonatal death (ie, stillbirths or pups that survive only a few hours or days) is relatively common for most littered mammals, so be prepared for this possibility. If you see a newborn pup that is not breathing, try to clear the mouth and stimulate the puppy by rubbing its body to see if you can get it breathing.
Summary: Watch carefully for signs of labor. Watch for contractions. Monitor the birthing. Pay attention to each birth. Monitor each pup after delivery.