Movavi video editor 158/9/2023 ![]() The program lets you save files in any popular video format (3GP, AVI, FLV, SWF, MKV, MOV, MP4, MPG) or audio format (AAC, FLAC, MP3, M4A, OGG, WMA, WAV). Normalize the sound level, eliminate background noise, and rebalance the sound with Equalizer. Remove jitters from shaky video, get rid of the black bars in vertically shot videos, and adjust colors. Take advantage of the many tools to enhance video and audio quality. Make your videos look professional by adding stickers, titles, and animated intros. Thanks to optimization for Full HD and 4K footage you can work with 1080p (and higher) videos with no lags.Īdd your footage to the multitrack timeline and execute both basic and advanced editing tasks: split videos into multiple parts, join short segments with transitions, rotate clips and images to any angle and crop them at the same time. You get all the tools you need to create stunning home videos and dynamic slideshows, plus you can save everything in any format or export the results to YouTube. This would be working perfectly fine with compatible version of Windows.Movavi Video Editor Plus for Mac is an easy-to-use app for both basic and advanced essential video editing tasks on your Mac. This is complete offline installer and standalone setup for Movavi Video Editor 15 Plus. Movavi Video Editor 15 Plus Free DownloadĬlick on below button to start Movavi Video Editor 15 Plus Free Download. Open Installer and accept the terms and then install program.Extract the zip file using WinRAR or WinZip or by default Windows command.How to Install Movavi Video Editor 15 Plus Free Download Compatibility Architecture: 64Bit (圆4) 32Bit (x86). ![]() Setup Type: Offline Installer / Full Standalone Setup.Setup File Name: _ Movavi Video Editor 15 Plus.rar.Software Full Name: Movavi Video Editor 15 Plus Free Download.Movavi Video Editor 15 Plus Free Download Technical Setup Details Administrator permissions are required for installation.830 MB available hard disk space for installation, 2 GB for ongoing operations.512 MB RAM for Windows XP and Windows Vista, 2 GB for Windows 7, Windows 8, and Windows 10.1280 × 768 screen resolution, 32-bit color.NVIDIA® GeForce® series 8, Intel® HD Graphics 2000, AMD Radeon™ R600 or higher graphics card with up-to-date drivers.Intel®, AMD®, or compatible dual-core processor, 1.5 GHz.Microsoft® Windows® XP/Vista/7/8/10 with up-to-date patches and service packs installed.System Requirements for Movavi Video Editor 15 Plus Free Downloadīefore you install Movavi Video Editor 15 Plus Free Download you need to know if your pc meets recommended or minimum system requirements: Keyframe animation of titles, overlay video, etc.Maximum number of tracks on the Timeline.Enhanced design: the Timeline is now more compact and easier to navigate.Independent tracks: unlink overlay tracks and place clips anywhere you want on them.Multitrack editing: add new tracks, change the order.You can also download Movavi Video Converter 18.įeatures of Movavi Video Editor 15 Plus Free Downloadīelow are some amazing features you can experience after installation of Movavi Video Editor 15 Plus Free Download please keep in mind features may vary and totally depends if your system support them. Need more videos, stickers, and audio clips for your project? Here’s what you get in the Video Editor Plus built-in collections: 16 new video clips, 86 themed stickers, and 22 new music tracks! Want to make a movie from your recorded footage, but don’t want to spend time on video editing? Now you can just add your videos and photos to the smart Montage Wizard and it will produce a movie with the music of your choice in minutes. You can also download Movavi Video Suite 18. Take your videos to the next level! Wondering how to make your videos more dynamic? Use keyframe animation to add seamless movement to overlay clips, titles, stickers, and callouts. Stunning titles, transitions, and other extra content crafted by our professional designers. The program includes all the functionality of our standard Video Editor, PLUS some exciting extra features like object animation. If your inner filmmaker craves more video editing tools, Movavi Video Editor Plus is just what you need. Movavi Video Editor 15 Plus Free Download Overview Program was checked and installed manually before uploading by our staff, it is fully working version without any problems. It is full offline installer standalone setup of Movavi Video Editor 15 Plus Free Download for compatible version of Windows. Movavi Video Editor 15 Plus Free Download new and updated version for Windows.
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Amazon truck tracking8/9/2023 “Safety is Amazon’s top priority,” Amazon’s Bass said in a statement. Amazon has said video footage from the cameras will only be sent to it in certain circumstances, including hard braking, hard acceleration and U-turns. They’re going to see it on camera.”Īmazon spokesperson Deborah Bass told CNN Business that drivers could not lose their jobs for a single mistake, but declined to detail how Amazon recommends the partner companies that make its deliveries handle feedback, coaching and discipline. “If one thing messes up, I’m going to freak out,” Elizabeth told CNN Business. ![]() (AMZN) said in a recent video that it hopes the new system gives drivers “peace of mind” while delivering packages, but drivers like Elizabeth say they’re nervous. At the same time, drivers like Elizabeth are bracing themselves for what happens when cameras can scrutinize their every move, delivering feedback that could impact their livelihoods. ![]() Road safety experts say Amazon’s driver monitoring should bring safety benefits for the company and everyone it shares roads with. She has deliveries to make and rules to follow, but says she enjoys being on the road by herself with what she calls a “limited freedom.”īut Elizabeth’s work environment is set to change as Amazon announced this month that it has begun to roll out cameras inside its delivery vehicles that monitor both the road, and its drivers. ![]() For Kamille Elizabeth, delivering Amazon packages in Wilmington, Delaware feels carefree and comfortable. Post malone barb wire8/9/2023 ![]() If people see a big hole in the ground don't go near it. "I just wish people would use their common sense. I don't know if she was a parent or guardian or nanny but any sensible adult would look at a hole and see how dangerous it was and not go anywhere near the edge of it. "The children didn't know how dangerous it was but a grown adult should have. My daughter shouted back to her to please look after her children but she didn't respond. It was during this announcement that Malone first revealed his custom Bud Light can, which features an image of his face, a copy of his autograph and illustrations of medieval dragons, barbed wire. "I couldn't stand there and watch but when we turned around she was still ignoring them and they were going further and further down. They were edging their way down while she turned her back on them. Barbed Wire - Upper Forehead Smiley Face - Close to Right Eye Playboy Bunny Logo - Below the emoji design, Right eye Dagger or Sword - Right side of Malons Face Etching - Malones Left. We said to ourselves how dangerous it looked. A Malone Road liberal, Maire had said yesterday. Jo, a regular visitor to the area over many years, said: "We just saw the woman on her phone messaging while the two children were standing on the edge. He pulled himself along the barbed wire toward the next post, careful to grab the wire between its. People are advised to stay away from the Round Hole which is very close to the cliff edge and is not fenced off.Īccidents have happened there before - including a tragic death in 2021 - and there have been debates over the years about whether it should be made safer or not. The incident happened on Friday (June 2) as Jo, her husband and 16-year-old daughter walked along the cliff path at Trevose Head, near Padstow. Read more: Caribbean restaurant in Bristol wins £10k on Channel 5 show for incredible home-cooked food Appears to be a mother with her (clearly key stage one) children allowing them to go down into the hole while she's stood there with her back to them on her phone." She said in a post on Facebook: "We've seen it all this holiday. The children were aged no more than seven years old, reports Cornwall Live. Crocs Dimitri Clog Post Malone Barbed Wire Only 9 Left Size: All Place Bid Buy for 590 Sell for 375 or Ask for More Last Sale: 300 10 (3. The adult appeared to be oblivious to the potential jeopardy they were in, according to Jo. Jo Harley said she watched in dread as the children edged towards the 80ft hole. ![]() An '"idiot" who appeared to turn her back and text, while two young children clambered down rocks towards a notoriously dangerous blowhole, has been slammed. Islamic calendar 2021 september8/9/2023 ![]() Sextilis - renamed August in honor of Roman Emperor Augustus in 8 BCE.Quintilis - renamed July in honor of Julius Caesar in 44 BCE.Today we use Leap Day for this alignment. Mercedonius - an occasional month after February that would be used to realign the Roman calendar.Months in the ancient Roman calendar include: Although the Gregorian calendar is the most commonly used calendar today, other calendars are still used in many parts of the world to calculate certain holidays and annual feasts. The Islamic calendar, the Hebrew calendar, and the Hindu calendar also use months to divide up the year. Today, we still call the 9th month of the year September, the 7th month. Persian Calendar & Converter Persian Calendar (Jalali - Hijri Shamsi) Islamic Calendar (Hijri Ghamari) Gregorian Calendar (Miladi) Julian Day Julian. However, when January and February were eventually added and the beginning of the calendar year was moved to January, the position of these months no longer corresponded with the original meaning of their names. ![]() The Romans named some of the months after their position in the calendar year: September means the 7th month, October the 8th, November the 9th, and December the 10th month. However, the month names we use today are derived from the Roman calendar, which initially had only 10 months, with the calendar year starting in March ( Martius). Our current Gregorian calendar and its predecessor, the Julian calendar, both have 12 months. February is the only month that is 28 days long in common years and 29 days long in leap years. The Gregorian calendar has 4 months that are 30 days long and 7 months that are 31 days long. Moon phases in your city How Many Have 28, 29, 30, or 31 Days? The word month is even derived from the word Moon.Īs far as we know, months were first used in Mesopotamia sometime between the years 500 BCE and 400 BCE to measure the natural period related to the lunar month, or synodic month, which is the time it takes for the Moon to go through all the Moon phases. The months originated as a way to mark time and break up the year into shorter periods based on the Moon’s orbit around Earth. February - 28 days in a common year and 29 days in leap years.The Gregorian calendar consists of the following 12 months: This is to keep our current calendar aligned with the solar year and astronomical seasons marked by equinoxes and solstices. During leap years, which occur nearly every 4 years, we add an extra (intercalary) day, Leap Day, on 29 February, making leap years 366 days long. The Gregorian calendar is made up of 12 months, each between 28 and 31 days long.Įach month has either 28, 30, or 31 days during a common year, which has 365 days. Business Date to Date (exclude holidays). Sente mortgage8/9/2023 ![]() ![]() While there are indications that a housing market correction is underway, the median existing-home sales price rose 1.3% from a year ago to $359,000 in January, marking 131 straight months of year over year increases, the National Association of Realtors (NAR) said. I see a lot more low credit scores, funky income, foreign nationals or bank statement loans,” he said. “A lot of them were lower price homes or hard deals. “It really felt like there were a lot of deals that were first-time homebuyers,” Monson said. In contrast to when rates were in the 3% levels and refis were easy business, LOs are now having to handle more challenging cases. Those who are tired of paying rent are purchasing homes and starting to build equity, according to Wax. While mortgage rates are high, rent in the Tampa Bay, Florida market has also been rising. Wax said about 50 to 60% of his clients are first-time homebuyers. ![]() “I’d say there are some buyers who are actually settling, even if it’s not their dream property,” he said. Right now, buyers see about 10 to 20 properties, and when they find a home that fits their criteria, “they pounce on it,” Wax explained. The pendulum hasn’t swung back to where buyers are asking 10, 15, 20% lower than what listings are for.” “It’s not so much that it’s more of a buyers market, but it’s less of a seller’s market,” Sam Wax, partner and loan originator at My Easy Mortgage, said. It’s not as crazy of a sellers market as it was two years ago when buyers were sending love letters to real estate agents - and contingent offers were non-existent, LOs said. In a smaller origination market, LOs are looking to expand their market share among people who are still looking to move – whether it be for new jobs, marriage, or growing families. “I’ve got several pre-approvals out there where people just can’t find what they want and the rates are throwing them off,” Monsoon said. In this higher-rate environment, buyers can’t find homes, which, in an ironic turn, can lead to bidding wars in areas that are safe, have good school districts and have nice properties. The lack of inventory makes business even more difficult for loan officers, whose real estate agent referral partners simply don’t have many buyers ready to pull the trigger. Existing homeowners who locked in mortgage rates or refinanced to the 2.5% and 3% levels during the pandemic years also have no incentive to give up their low mortgage rates for a higher mortgage unless they absolutely have to. Rising rates will likely scare buyers away from the market, as it makes monthly mortgage payments less affordable, loan officers interviewed by HousingWire said. With the industry cooling down slower than expected, LOs are having to work harder and get creative to overcome the double whammy of surging rates and a lack of inventory. The combination of an economic uncertainty, high mortgage rates and persisting affordability challenges will further reduce purchase demand, which keeps Monson and thousands of loan officers up at night. “It’s almost like there was a false start,” Monson said. Monson had hoped for a “spring rush,” but recently, somebody turned the spigot back off. He was cautiously optimistic for a better 2023. There were leads, referrals and action in January, after people returned from holiday vacations and rates declined, said Don Monson, branch manager at Sente Mortgage. It felt like somebody turned on the spigot. Kaleidoscope dance competition 20198/9/2023 It's going to utilize the talents of all of them to put this number together as choreographers." Hough then went on to win the Emmy Award for Outstanding Choreography. Ken Ehrlich, the executive producer of the show, stated, "It's definitely going to be an original number, something that hasn't been done before. Hough, who was nominated for Dancing with the Stars, was part of that number, along with the other nominees. On September 22, 2013, for the first time, the category for Outstanding Choreography for the Emmy Awards was moved to the Primetime Live Show, and all of the nominees in the category were to create and perform a number with the host of the show, Neil Patrick Harris. ![]() He has won the LA Outstanding Dancer of the Year and New York Dance Alliance Outstanding Dance awards. Hough won the WDSF World Latin Championship in 2002, and the Blackpool U-21 Latin title with Aneta Piotrowska in 2003. ![]() Career Competitive dancing and choreography As well as being trained in many forms of dance, Hough can also play the piano, guitar, drums and bass. Hough subsequently taught at the Italia Conti Academy of Theatre Arts. The three children formed their own pop music trio 2B1G ("2 Boys, 1 Girl") and performed at dance competitions in the UK and the U.S., and showcased UK television shows. They received training in song, theater, gymnastics, and many forms of dance, including jazz, ballet, and tap. The Ballases helped tutor the two Hough children alongside their own son, Mark Ballas, schooling them at the Italia Conti Academy of Theatre Arts. Originally intending to stay for three months, Hough remained in London for ten years (Julianne returned after five years). Hough's sister Julianne joined him in London several months later. When Hough was 12, his divorcing parents sent him to London to live and study with dance coaches Corky and Shirley Ballas. He is the second cousin of musicians Riker, Rydel, Rocky, Ryland Lynch and Ross Lynch from R5 their maternal grandmothers are sisters. All of his grandparents were dancers, and his parents met while on a ballroom dancing team in college in Idaho. He is the son of Marianne and Bruce Hough, who was twice chairman of the Utah Republican Party, and has four sisters, Sharee, Marabeth, Katherine, and Julianne. Hough grew up the fourth of five children in a Latter-day Saint family in Sandy, Utah, a suburb of Salt Lake City. Hough and his sister Julianne at the 2014 Kaleidoscope Ball ![]() In 2016, he appeared as Corny Collins in NBC's live musical TV-production of Hairspray Live! įrom 2017 to 2020, Hough served as a judge on the NBC dance competition series World of Dance. In film and television, he has starred in the film Make Your Move and had a recurring role in the ABC musical-drama Nashville. Hough has also appeared as an actor on stage, appearing at the West End premiere of Footloose: The Musical at the Novello Theatre and as well as the 2015 New York Spring Spectacular at Radio City Music Hall in New York City. Hough later became a judge on the series beginning with its 29th season. For his work, Hough received eleven nominations for the Primetime Emmy Awards for Outstanding Choreography, winning the award three times. From 2007 to 2016, Hough was a professional dancer on the ABC dance competition series Dancing with the Stars, winning the show a record-breaking six times with his celebrity partners. Primetime Emmy Award for Outstanding Choreography:ĭancing with the Stars (2013, 2015, 2021)ĭerek Bruce Hough ( / ˈ h ʌ f/ born ) is an American professional Latin and ballroom dancer, choreographer, actor and singer. Hayley Erbert (2015–present, engaged 2022) Easy sweet potato tater tot recipe8/9/2023 ![]() Once your sweet potato is set, use a fork to scrape them off one at a time.In a separate bowl, add your shredded coconut flakes, coconut sugar, and cinnamon. While it's setting, we can prep our crispy coating ingredients! In a small bowl, whip your egg and set aside.Don't worry, they don't have to be perfect! It should make about 18-20 bites! Once they're all on the plate, place it in the fridge for 10-15 minutes to set. They should be about 1+½ inches by ½ inch. Use a teaspoon to scoop out the mixture, then use your finger to push it off onto a plate.Add it to separate mixing bowl with the cassava flour, cinnamon, coconut sugar, and salt. Next measure out 1 + ⅓ cup of mashed sweet potato.Use a hand mixer or fork to blend them until creamy. Add 3-4 small/medium sized *peeled* and cooled baked potatoes into a mixing bowl.□Step by Step Instructions Preparing the sweet potato mixture If they’re warm still, it will be a looser consistency that’s harder to mold. (Overnight is even better!) The cooler they are, the easier they will be to mold. Once they’re at room temperature, I usually place mine in the refrigerator. The texture of your sweet potato will thicken up as it cools.From there, you can measure out your 1 + ⅓ cup! ![]() If you steamed them, you wont have to peel the skin, just add them directly to your bowl to cool.Peel off the skin, add them to your mixing bowl, and whip them with hand mixer or handheld potato masher. Once you have your sweet potatoes baked to perfection, let them cool to room temperature.The second way you can make mashed sweet potato is by peeling the potatoes, chopping them into small chunks, and steaming them until they become tender! It usually takes a little less time to cook, but I’m not a huge fan of peeling potatoes. Baking is my favorite way to make them because it’s an easy way to meal prep extras for later! ![]() You’ll know they’re done when you can easily stick a fork in them. Place your sweet potatoes on a pan or parchment paper, and bake at 375 degrees for about 40 minutes.
China skyscraper lifetiem8/8/2023 ![]() This, in part, is achieved by a state-of-the-art, AI-enabled building management system called Neuron, which performs a similar role to the ICC's team but uses a type of AI called machine learning. The building's energy intensity is about 29% lower than a typical Hong Kong high-rise office building. ![]() This 48-storey skyscraper, completed in 2018, was designed and constructed according to the highest green building and human health standards. And the team is committed to achieving the net zero carbon emissions by 2050 target set by the government.Īnother pioneer of Hong Kong's green building movement is One Taikoo Place. Since 2012, through various energy saving measures, ICC has conserved 15 million kWh of energy, equivalent to the total annual electricity consumption of more than 4,500 three-member households, and a reduction of 10,000 tonnes of carbon emissions. It also means they can control the air distribution to different office floors in order to further optimise the energy usage of the building. But with smart IoT devices built into the building's air-handling systems, the building's team is able to monitor each floor in real-time to see the temperature, levels of pollutants, and how much cooling energy is being used. While floor-to-ceiling windows enable better views and natural light, this can also create a greenhouse effect caused by solar radiation, and air-conditioning systems require huge amounts of energy to operate.Īt ICC, air-con consumes a staggering 70% of the building's total energy. Keeping skyscrapers cool is perhaps the most difficult challenge, especially since most are covered in glass. "We can see the energy performance across every zone in the building and optimise the system to perform better." "We use Internet of Things (IoT) technology to analyse big data collected through a mobile digital system for energy efficiency optimisation in the building," says Edward Tsui, managing director of Intelligent Technologies, which oversees the ICC's IoT data system. Informed by the data, the property management team is able to shut down certain facilities, including lights, lifts and escalators when they are not needed, in order to save energy. This network provides large quantities of data that enable real-time energy consumption monitoring. Inside the 118-storey building, a network of sensors is installed, often wirelessly, across different facilities and equipment, including lighting, elevators, escalators and air-conditioning units. Making use of the latest smart technologies to be more energy efficient, the ICC is recognised in the top 3% of green buildings around the globe. You need look no further than ICC, which at 484m (1,590ft) is the city's tallest skyscraper and also its tallest green building. The problem leaves many asking how sustainable skyscrapers can really be.īut there are signs of hope in Hong Kong, which has a thriving green building movement and is committed to making its vast number of skyscrapers more energy efficient. But in a world responding to the climate crisis, towering skyscrapers that use massive amounts of energy and materials to construct and operate may look increasingly out of place – particularly given that Hong Kong itself has set a target to be carbon neutral by 2050. With limited land supply, building upwards is Hong Kong's only option. While many are impressive feats of construction and have become iconic features of the skyline, the city's 42,000 buildings – including about 8,000 high-rises, of which more than 1,500 are skyscrapers exceeding 100m (328ft) in height – consume up to 90% of the city's electricity and contribute to 60% of the city's greenhouse gas emissions. In fact, Hong Kong is home to more skyscrapers than anywhere else. In every direction you look, countless high-rise buildings are stacked side by side, clustered together, like a real-world version of the game Tetris. Looking out over Hong Kong's iconic skyline from the viewing deck of its tallest skyscraper, the 118-storey International Commerce Centre (ICC), it's clear why Hong Kong is known as the world's most vertical city. Most labels are on the bottom of the unit or side. The easiest way to identify your NVR is via the label on the device. Sample screenshot SCW EasyView Mobile for Windows, Mac, and Linux OS. Then click on the Live View to access the live view. The device will be added successfully to the software. Determining which NVR you have is the best way of determining which cameras are best. Enter the device details such as IP/DDNNS, username, password, and port of the device. An easy analogy would be like a Mac or a PC as far as software.ĭue to the fact that they are on two totally different software platforms it is best to stick with your software platform for the best compatibility. These two lines have different manufacturing sources and completely different software. The firmware/software is made in the USA and has no influence from hostile foreign governments.Adding a camera to an existing system? Make sure you get the right one!Īs of January 1st, 2018 SCW sells two lines of IP cameras, the 2018 line which we call the Admiral line and the previous line which we call Vanguard line. Survail includes its own VPN as part of the service. Survail uses Cognito from Amazon to make sure you are you, when you log in, which means that we support supports identity and access management standards, such as OAuth 2.0, SAML 2.0, and OpenID Connect. Survail is a cloud-based VMS that works in the browser you already have, so there's no software to install, maintain, or support. I presume its layer 2 now. Instead of connecting to the device, like a NVR, you instead login to the survail website. Your router usually performs NAT and DNS for you as well as other functions such as DHCP and IP Masquerading. ![]() Survail blocks incoming connections on the device level, so there's no way to connect to the device at all. With Survail you log into our server, rather than the device on your local network, reducing cyber security risk to the local area network significantly. Survail uses cyber security best practice such as white listed ips, banking-level encryption, HTTPS, VLANS, VPN, and unidirectional cloud-based data transfers (does not allow ingress into the network). Survail keeps your cameras off your main network and communicates securely with our cloud. Gone are the days of updating software, worrying about opening ports, and exposing your networks to cyber security risk. We do not recommend opening ports on your router. Please Note: Satellite or Cellular data packages may not allow you to open ports or may not work even if they do because they often lack an addressable IP. Open Ports: Not Recommended Opening Ports on your Router These services are convenient and a big improvement over permanently opening ports on your network (after all it does close them after use and attempt to only allow that particular connection to that particular user), but at the end of the day, you are still sending either unencrypted or self-signed text, video, screenshots, and other data over an insecure connection and man-in-the-middle attacks or endpoint IP / ARP / DNS user spoofs are still possible. There are many websites that facilitate this type of connection, and we can set one up for you, if you want us to. An easy analogy would be like a Mac or a PC as far as software. ![]() The coordinating website helps map which way the two devices (the viewer and the NVR) can effectively communicate, but the video itself is moving from NVR/camera to user directly without going through a server at all. Make sure you get the right one As of January 1st, 2018 SCW sells two lines of IP cameras, the 2018 line which we call the Admiral line and the previous line which we call Vanguard line. With a QR Code based P2P connection, the NVR determines which method is being used to connect to the coordinating website and then allowing this to do a peer-to-peer connection using UPNP port mapping or NAT traversal. Creating a household budget8/8/2023 ![]() If you complete your budget and find that you have no money left, you may need to remove the payments for unsecured credit or ‘non-priority’ debts. Make sure you can cover your essential household bills and housekeeping first. If your spending is higher than your income, you will have to prioritise your spending and cut back on commitments you can't afford. Work out your total income for a week or a month, then take away what you have spent to work out whether you have any spare money, or whether you're over-committed. You should average out any irregular income and ignore one-off or uncertain amounts. include rent from lodgers or contributions from other people.look at statements for benefits, Child Tax Credit and similar income.check your payslips to get an accurate figure for wages.Work out the total outgoings for a full year and divide by 52 or 12 to get a figure for each week or month. The next step is to estimate what you spend on everyday items (for example, food, clothes, petrol, pet food and newspapers).įinally, include estimated amounts for unexpected and occasional costs (such as Christmas and birthday presents, car and household repairs, dentist and optician bills or holidays and outings). Don't forget to include anything you pay by standing order or Direct Debit (such as mortgage or rent payments, loan, 'hire purchase' repayments, or child maintenance). Start by working out what you spend: check recent bank statements, and bills for gas, electricity, telephone, rates, insurance and similar expenses. Budget Planner - the Money Advice Service.You'll find several budget calculators on the internet choose the one that suits you best. This will help when you talk to your creditors (those you owe money to), because you'll be able to make realistic offers to pay them back over a period of time.Ī budget planner has headings for different kinds of income and spending, under which you can enter your own figures. If you already have debt problems, a budget will show you how much spare cash you have. With an accurate budget, you'll be able to cut out unnecessary expenses and save money, or stop running up big debts. It will also help you plan for the future and negotiate with any people you owe money to. Find out how a personal budget will help you make the most of your money and avoid over-commitment. AuthorWrite something about yourself. 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