Do you find yourself with too much month at the end of your money? Would you like to Pay Yourself First but havent figured how? Would you like to S-T-R-E-T-C-H your paycheck or income? If you answered Yes to any of these questions, the good news is that it will only take you half an hour to start feeling financially fit. Isnt that time worth it to get out of debt, build your savings or save more for your retirement? Fulfilling many of your financial goals is within your reach or at least your personal spending. You can control every penny that you spend; while it is much more difficult to increase your income. There is money to be found in every spending plan, which is the foundation of our financial health. To uncover that found money, complete the following exercises especially the first! It should take no more than half an hour. You will find that once you accomplish these exercises, you will breathe a sigh of relief and have the energy to tackle the rest of your finances!

Jot Down Every Dollar Detail
On a sheet of paper, write down everything you spend for the month. The goal is to come up with one monthly number that reflects all your spending (i.e. to walk out your door, it costs $3,000 per month). While this sounds simple, there are two areas that most people forget: annual expenses and small purchases. Annual expenses that are usually forgotten include: vacation, insurance, holiday gifts, professional services, school, medical expenses, clothing purchases, taxes and charitable contributions.
Then take this number and divide it by 12 to figure out how much this adds to your monthly expenses. You might spend $1,000 a year on clothing for your family; therefore, add $83.33 to your monthly expenses. Now tackle the small purchases, such as all food and meals. Perhaps you buy a $3 coffee daily. That equals $60 per month ($3 X 5 times/week X 4 weeks). Dont forget about clothing, taxis/transportation, gifts, personal beauty, books, CDs and magazines/newspapers. Once you have that monthly number, see how it compares to your income.

Five Places to Plug
Now comes the fun part. Find five places to plug in your monthly spending. Dont eliminate, just prioritize. Set a spending limit for what you really want to buy. If you love to shop and are spending $200 per month on clothing, lower it to $100 per month. Therefore, you are not depriving yourself, but you now have a set amount that you can spend everything month. By finding five places to plug in your budget, you can squeeze out at least $100 - $300 extra per month from your spending if not more.

What to Do with the Found Money?
Now that you have your Found Money, what should you do with it? Divide that amount into the following categories:

Debt
Savings
Retirement Savings
Other (childrens college savings)

If you have debt, most of your Found Money should go towards your debt, but you should still save some money every month. If you are debt-free, make sure you have an emergency savings account and a retirement account as well. Next: saving without thinking.

Make it Automatic
Setup an automatic savings account. Most great savers do not think about saving, it is done automatically. Ask your bank to automatically transfer a set dollar amount from your checking account to a money market account. For example, on the 15th of every month, they will transfer $50 to a money market account. This money can be used for your emergency savings or holiday gifts. Check out www.bankrate.com for a higher interest rate money market in your area. You can still link it to your checking account and get that money out automatically.

Still worried about finding that extra money? Dont fret, just take hour from your schedule this week and get started. Enlist a friend and do it together over a cup of coffee. Call your sister and do it together over the phone. Make it a priority and get ready to start sleeping better at night once you do!

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When it comes to tattoos, one of the worlds most requested designs are Irish tattoo designs. There is no arguing about it. With its interesting history and the imagery of Ireland reflected on all Irish tattoo designs and the meanings that comes with every pattern, it is not a wonder why people of non-Irish descent, are so enamored with it, oftentimes infusing it with a meaning of their own. I know you would, too.

Over the years Celtic and Irish tattoo designs have merged and had came to be known as one and the same, except for a handful of designs that are truly Irish such as harps, the shamrock, and the claddagh symbol. Celtic patterns and knot work have long been considered to be Irish and these knot works and plaits helped make Irish tattoo designs gain worldwide recognition among tattoo lovers and body art enthusiasts.

However, Irish tattoo designs are also getting more popular among the regular folks: people wanting to have a tattoo, not to show off or to be more popular or to belong to a group, but to have a part of a loved one etched on their skin as a tribute. It could be for a person, or for a pet that is considered by the owner to be part of the family. For example, you have a pet dog and you want to keep him with you forever but you know you it is impossible, you actually can opt to have an image of your pet tattooed on you, done with an Irish twist with all its intricacies. In a way, he is with you whatever happens, wherever you go.

Whats fascinating about these Irish tattoo designs is you can infuse into it a design of your own without disrupting the exotic Irish appeal of the original pattern. If you want a tattoo of your pet dog done in Celtic knots, you can do so and with an excellent tattoo artist, the outcome would be quite fascinating. The image of the animal would not be easily recognizable among the knots and patterns, but if you look a little closer, you will first make out the outline and the more you look, the more you will see the image of your pet artfully embedded into the design, into your own skin, permanently. Not only did you get a tattoo of your pet, you got it in a mind-blowing design, too.

Some people just love their pets so much that they are willing to immortalize them in the form of a tattoo. For some, it is okay to have their pets boldly tattooed on their body but it is not always appealing that way. One of the best ways is to do it with an Irish or Celtic flavor to add more mystery to it. It is more fascinating and more interesting when it is not too obvious and, more often than not, it is a lot more meaningful that way. And that is what a tattoo should be.

Irish tattoo designs is a league of its own. And as far as the art of tattooing is thriving, these designs will be here for more centuries to come. Visit http://www.body-jewelry-useek.com for more popular tattoo designs such as religious tattoos and dragon tattoos.

With the advent of technological advances in our world, our lives have become easier and more comfortable. Each year ushers in a new throng of new products and upgrades that advertising tells us we must have. Technology has impacted the sports world in hundreds of ways. Some would argue that these advances have both helped and hindered the sports we love. In this article I will focus on the dwindling interest our younger generation shows toward the greatest game on earth.

As I drive up and down the street in my neighborhood I see many basketball hoops on both sides of the street. Some are nailed to the garage or sunk in yards of concrete. Most are part of a fancy system that includes a goal, pole and base. Many of them can be adjusted by a 5 year old from 10 feet down to their preferred height. These units are easy to set up and available at almost any superstore or internet web site.

From the number of goals that line the streets of America's towns and suburbs, you would conclude that kids love playing basketball. Back yards are void of soccer goals, goal posts, or baseball fields. From what I see, basketball is the only game in town. Am I right or am I wrong?

For some reason these goals sit alone and unbothered in driveways up and down the street. There are very few kids hoisting shots toward the shiny orange rims. Not in the the fall, not in the winter, not in the summer. A few shots are taken in the spring when its easy to be outdoors in the fresh air. All of this leads me to ask the perplexing question, "Where are all the gym rats?"

Our world has made being a kid quite an undertaking. Electronics have taken over the lives of our youth. Cell phones, iPods and Playstation have captured the imagination of an entire segment of America. Is this bad news for our younger generation? Some would argue these worldly improvements are part of life. Those of us who love the game of basketball disagree.

Shooting hoops in the driveway always gave me a great sense of freedom. The ability to shoot for hours alone represented a lot of my time as a young player. With sadness, these days I rarely see this kind of expression of love and freedom. It hurts to know that kids are paralyzed in front of the LCD screen, computer flat panel, or Madden 2007. What happened to shooting the shot that wins the imaginary NCAA tournament, State Tournament, or NBA Title. Isn't it fashionable to dream anymore? Are we living out these experiences through a video game or other lifeless channel? What happened to the dreamers in our world?

Maybe it's my stubbornness or traditional approach to the game. Maybe it's because I dedicated my professional life to the game James Naismith invented. Or maybe it's because I see too many kids without this level of love for basketball. An empty heart has no love for anything. Whatever the reason, I find myself asking the same haunting question, "Where are all the gym rats?"

Randy Brown has passion for the game of basketball. He works as a basketball consultant and mentor for coaches. Visit him at http://www.coachrb.com for free resources, Q & A, newsletter, and coaching programs. A speaker and writer, he has authored 75 articles on coaching and is nationally published. His 18 years in college basketball highlights a successful 23-year career. Mentored by Basketball Hall of Fame coach Lute Olson at Arizona. Resume includes positions at Arizona, Iowa State, Marquette, Drake, and Miami of Ohio, 5 Conference Championships and 5 NCAA appearances. His efforts have helped develop 12 NBA players including Steve Kerr, Sean Elliott, and Jaamal Tinsley. To contact Randy, email him at rb@coachrb.com.