Tip: Lists (like this one) are one way to impose a structure on a speech. 4. Be concise. It is said that Woodrow Wilson once gave the following reply to a speaking request: âIf youâd like me to speak for five minutes, Iâll need a month to prepare. If youâd like me to speak for 20 minutes, Iâll need two weeks.
This worksheet is an introduction to budgeting. To create a budget you need to understand both your income and your expenses. Here, fixed and variable expenses are explained and practiced. A first step to understanding budgeting is to understand your expenses. There are two main types of expenses, fixed expenses and variable expenses. Fixed expenses tend to be about the same each month, for example rent. Variable expenses tend to fluctuate each month, such as clothing.
There are programs (Quicken) that will help you do this, but you can use a spreadsheet (Excel) or even a simple columnar pad of paper to get started. Figure out what your fixed expenses are. These are the expenses that are the same month after month, like your mortgage, car payment, cable bill, etc. If you have fixed yearly expenses, divide them by 12 to get a monthly amount. For your variable expenses, if you use mostly credit and debit cards, you can pull information right from the monthly statements.