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	<title>Penny Sense &#187; Budgeting</title>
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		<title>How much more are you paying for electricity after the price hike?</title>
		<link>http://www.mypennysense.com/how-much-more-are-you-paying-for-electricity-after-the-price-hike</link>
		<comments>http://www.mypennysense.com/how-much-more-are-you-paying-for-electricity-after-the-price-hike#comments</comments>
		<pubDate>Thu, 12 Jun 2008 14:01:00 +0000</pubDate>
		<dc:creator>Penny</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.mypennysense.com/how-much-more-are-you-paying-for-electricity-after-the-price-hike</guid>
		<description><![CDATA[Besides the price of petrol going up, our electricity rate is also going up. But do you know how much exactly it&#8217;s going to affect you? I bet you can&#8217;t really guess, even a ballpark figure, because most of us don&#8217;t really pay attention how we&#8217;re charged by usage.
Here&#8217;s a calculator to help you get [...]<p>To read more personal finance and money related articles, visit <a href="http://www.mypennysense.com">Penny Sense</a>.<br/><br/><a href="http://www.mypennysense.com/how-much-more-are-you-paying-for-electricity-after-the-price-hike">How much more are you paying for electricity after the price hike?</a></p>
]]></description>
			<content:encoded><![CDATA[<p></p><div align="justify">Besides the price of petrol going up, our electricity rate is also going up. But do you know how much exactly it&#8217;s going to affect you? I bet you can&#8217;t really guess, even a ballpark figure, because most of us don&#8217;t really pay attention how we&#8217;re charged by usage.</p>
<p>Here&#8217;s a calculator to help you get an estimate on how much more you&#8217;ll be paying. Now just go and grab an existing electricity bill of yours and enter the current amount you&#8217;re charging up a month, and let the calculator do its magic and show you the new rate you can expect to pay.</p>
<p>Click to <a href="http://h1.ripway.com/pennysense/CalculateElectBillUnderNewDomTariff_1July2008.xls" rel="nofollow" >download</a> the calculator. </div>
<div align="justify"> </div>
<p>
<div align="justify">If you missed the calculator to see how much more you&#8217;re paying for petrol, get it <a href="http://pennysense.blogspot.com/2008/06/how-much-does-annual-rebate-help-you.html" rel="nofollow" >here</a>.</div>
<hr /><small>Copyright &copy; Penny Sense 2009<br /> This feed is for personal, non-commercial use only. <br /> The use of this feed on other websites breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br /> c931cff977314847ee8155c380915f72)</small><p>To read more personal finance and money related articles, visit <a href="http://www.mypennysense.com">Penny Sense</a>.<br/><br/><a href="http://www.mypennysense.com/how-much-more-are-you-paying-for-electricity-after-the-price-hike">How much more are you paying for electricity after the price hike?</a></p>



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		<title>Useful personal budget planner</title>
		<link>http://www.mypennysense.com/useful-personal-budget-planner</link>
		<comments>http://www.mypennysense.com/useful-personal-budget-planner#comments</comments>
		<pubDate>Fri, 25 Apr 2008 14:49:00 +0000</pubDate>
		<dc:creator>Penny</dc:creator>
				<category><![CDATA[Budgeting]]></category>

		<guid isPermaLink="false">http://www.mypennysense.com/useful-personal-budget-planner</guid>
		<description><![CDATA[Knowing that I&#8217;m currently working hard on managing my personal finances, my well-meaning friends often send me related articles and resources that they think are useful to me.
Last week I received a Personal Budget Planner that&#8217;s designed in Microsoft Excel format. It&#8217;s very thorough and easy to use. All you need to do is fill [...]<p>To read more personal finance and money related articles, visit <a href="http://www.mypennysense.com">Penny Sense</a>.<br/><br/><a href="http://www.mypennysense.com/useful-personal-budget-planner">Useful personal budget planner</a></p>
]]></description>
			<content:encoded><![CDATA[<p></p><div align="justify">Knowing that I&#8217;m currently working hard on managing my <strong>personal finances</strong>, my well-meaning friends often send me related articles and resources that they think are useful to me.</p>
<p>Last week I received a <strong>Personal Budget Planner</strong> that&#8217;s designed in Microsoft Excel format. It&#8217;s very thorough and easy to use. All you need to do is fill up the information regarding your income and expenses and all the analysis are done for you. Graphs automatically appear as you fill up the cells in the spreadsheet and I find this to be a very valuable tool because I&#8217;m a visual person. The graphs straight away tell me a story about my <strong>financial position</strong>.</p>
<p>Here are two screenshots I captured just to show you how it works and what it looks like. There are lots more graphical analysis but I&#8217;ll just show some basic ones.</p>
</div>
<p><a href="http://4.bp.blogspot.com/_WafmE1gP-iY/SBHxlGEsPWI/AAAAAAAAAeQ/lmGTRJEniZ4/s1600-h/budget+planner+01.JPG" rel="nofollow" ><img id="BLOGGER_PHOTO_ID_5193197464922635618" style="DISPLAY: block; MARGIN: 0px auto 10px; CURSOR: hand; TEXT-ALIGN: center" alt=" Useful personal budget planner" src="http://4.bp.blogspot.com/_WafmE1gP-iY/SBHxlGEsPWI/AAAAAAAAAeQ/lmGTRJEniZ4/s400/budget+planner+01.JPG" border="0" title="Useful personal budget planner" /></a> <center>Fill up your info into the cells provided to see your financials being analysed.</center><br /><a href="http://1.bp.blogspot.com/_WafmE1gP-iY/SBHxlWEsPXI/AAAAAAAAAeY/4jgfwY1X9k0/s1600-h/budget+planner+02.JPG" rel="nofollow" ><img id="BLOGGER_PHOTO_ID_5193197469217602930" style="DISPLAY: block; MARGIN: 0px auto 10px; CURSOR: hand; TEXT-ALIGN: center" alt=" Useful personal budget planner" src="http://1.bp.blogspot.com/_WafmE1gP-iY/SBHxlWEsPXI/AAAAAAAAAeY/4jgfwY1X9k0/s400/budget+planner+02.JPG" border="0" title="Useful personal budget planner" /></a> <center>These graphs are automatically generated to give you an idea how you&#8217;re doing.</center>
<p align="justify">You can do a lot with this planner. It allows you to do <strong>month by month budgeting</strong> and record your actual against them as a tracking tool on your expenses. A comparison chart is automatically generated based on your input.</p>
<p>You can also choose to keep a record of your daily spending (this is a real pain but if you&#8217;re the diligent type who wants to know where your every dollar goes to, this will be very helpful).</p>
<p>I may not be doing a good job in describing or convincing you how great this budgeting tool is, so I&#8217;m providing a download of the file here so that you can check it out for yourself and use it to your benefit.</p>
<p>To download, right click on the link provided below and choose &#8220;Save target as&#8221;. Save the file to your computer and have fun budgeting. I would like to thank whoever created this piece of great work. It&#8217;s definitely highly appreciated!</p>
<p align="justify"><span style="color:#ff0000;"><strong>Download the file here:</strong></span> <a href="http://h1.ripway.com/pennysense/Personal_Budget_Planner.xls" rel="nofollow" >Personal Budget Planner</a></p>
<hr /><small>Copyright &copy; Penny Sense 2009<br /> This feed is for personal, non-commercial use only. <br /> The use of this feed on other websites breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br /> c931cff977314847ee8155c380915f72)</small><p>To read more personal finance and money related articles, visit <a href="http://www.mypennysense.com">Penny Sense</a>.<br/><br/><a href="http://www.mypennysense.com/useful-personal-budget-planner">Useful personal budget planner</a></p>



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