Your budget should include all of your bills, expenses, and income. Include the due dates for your bills and your income schedule (i.e. weekly, bi-weekly, monthly). Some of your bills will likely be due earlier in the month while others will be due later in the month. Organize your bills in the order that they need to be paid. Also write down which check you will use to pay each bill. For example, use your first paycheck to cover the bills due earlier in the month and your next paycheck to cover bills that are due later in the month. If you find that you do not have enough money to pay your bills at the payment due date, contact the company and ask if your due date can be moved. Credit card companies and student loan companies are more likely to change your due date than your rent and utilities' providers. Get a file cabinet and some hanging folders. Label each folder with the type of bill. If you pay your bill on the same day that you receive it, file the bill once it is paid and write "paid" on the bill. If you do not pay the bill the same day that you receive it, keep the bills in the area where you usually write checks or pay your bills online. Circle or highlight the bill due date as soon as you open the bill. If you file your bill before you pay it, you may forget to go back and pay the bill. It is best to place the bill in your "bill paying" area so that you do not lose them. Once you pay the bill, you can shred the bill and throw it away or store the bill in the file cabinet. You can also scan your bills into your computer and file them electronically with your electronic bills. Create folders within your email account to keep track of your electronic bills. Have at least one folder for your bills and invoices and another folder for receipts and payment confirmations. If you prefer more detail, you can have folders for each of your bills (e.g. credit card, rent, mortgage, car payment, utility, student loans, etc.). If you do not want your bills stored in your email account, you can use a similar system and keep your bills in a folder(s) on your computer. The more detailed you are, the easier it will be to pull out information and financial statements when you need them.

Summary: Write down your bill cycle. File your paper bills. Create folders for electronic bills.

The direction of the sunlight will impact the quality of your photo. For example, glaring midday sun does little to highlight the nooks and crannies that will make for an interesting picture. It is much better to take shots in the early morning where natural light is crisp and clear, or in the early evening, when it's warm and filling. In both instances, the light is also coming in from the side, which highlights the building to its greatest advantage. Early morning may also be ideal because there tend to be fewer people walking around. Consult an aerial map of the building to determine when the sun might be hitting the building. Will the sun cast a shadow of another building on your building? Quite often, impressive-looking buildings are lit up like Christmas trees at night, and look like they'll make for an amazing photo. Beware of leaving your camera's settings on automatic as the low light and high levels of contrast can sometimes ruin your shot. Bright lights will become halos, while dark sections will be black as night. Instead, adjust your ISO settings to a night-time mode. Set a nice long exposure time to allow more light into the camera (you can use the camera's self-timer or a cable release to ensure minimal shakiness or blurring). Any lights will look bolder and brighter with a longer exposure time, so practice getting this right. Photographing during different times of year can produce different portraits of the building. The building may be snow-covered in winter or be surrounded by leafy trees in the summer. Likewise, it may be hard to see the top of a building on a foggy or really rainy day. But that might also be an effect you'd like to capture. Is it under construction or renovation? Is there a major event being held there on the same day you'll be there? These can be disruptive moments for your photograph, but they can also potentially lend special dimensions to your photograph; they allow you to capture some of the unique history of the building that may not be conveyed in a typical photo of that building.

Summary: Consider the time of day. Take a nighttime photo. Consider the time of year. Find out what is happening at the building.

Add lines on the edges of the rectangles for the claws.

Summary: Draw a tilted oval for the head. Draw a curve for the snout and two circles for the ear. Draw a circle then draw an oval intersecting it for the body of the polar bear. Draw two ovals for the front legs, add lines on the edges to for the claws. Draw another two ovals with rectangles below each to make the hind legs. Draw the body of the bear using the outlines. Make the face of the polar bear by drawing the eyes and mouth. Erase the unnecessary outlines. Color your polar bear.

Figure out the length of your braid. Add on an extra 1/3 of that measurement to get your cutting length. This is how long you'll need to cut your string. For example: Desired length: 24 inches (61cm) 24 divided by 3 = 8 inches (20cm) 24 + 8 = 32 inches (81cm) 32 inches (81cm) = cutting length Use the same color for each strand of string, or use different colors. For a fancier braid, cut 6 or 9 strings instead, then divide them into 3 groups. For example, you can do 3 pink strings, 3 purple strings, and 3 magenta strings. Embroidery floss is a popular choice, but you can use other types of string, such as yarn or leather cording. Gather the ends of your strings together. Treating them as a single strand, coil them into a loop, then pull the ends through the loop. This will make the knot. Keep the knot 2 to 3 inches (5.1 to 7.6cm) from the string end. Tape the string above the knot to a flat surface, such as a table. 1 strand to the left, 1 in the middle, and 1 on the right. With multiple strands of color, group the strands by color instead. For example, place the pink strings to the left, the purple strings in the middle, and all the magenta strings to the right. Take the left string and cross it over the middle string. Take the right string and cross it over the new middle string. Again, if you have multiple strings of each color, treat that color group as a single string. For example, if you have 3 pink, 3 purple, and 3 magenta strings, cross all of the pink strings over all of the purple strings. Give the strings a gentle tug to tighten the strings as you braid. Repeat the process until you reach the length you want, or until you have 2 to 3 inches (5.1 to 7.6cm) left. Coil the braid end into a loop, then pull the tails through the loop. Tug on the tails to tighten the knot, then trim off the left over strands, You can now use the braid for the craft project you created it for. If this is a bracelet, wrap the braid around your wrist and tie the ends together into a double-knot.
Summary: Decide your braid's length. Cut 3 pieces of string based on your measurements. Knot your strings together. Separate your string into 3 strands or groups. Start the braid. Maintain a consistent tension. Fasten the braid end into a knot. Remove the tape from the start of the braid.