Article: To start making a budget, you'll have to write down all the expenses you have during the course of a month. This includes the obvious, like rent and utilities payments. However, think of the not so obvious things as well. Do you have medical bills? Credit card payments? Insurance payments? Student loans? Take these into account as well.  You should also consider expenses that aren't necessary, but that you pay for each month. This includes eating out, shopping, entertainment, as well as food in general. You may not know exactly how much you spend each month, but try to get a rough estimate. If you have an online bank account, you may be able to go through your purchases that month and get a more accurate sense of how much you spend on unnecessary expenses. There are lots of budget tracking programs available to help you understand where your money is going. For instance, you could use Intuit's mint.com to keep track of your expenses. Once you have a sense of how much you spend, add up your income. This includes, of course, how much you make in a month. There are also other things to take into consideration. Do you get money from other places each month? Do you have a part time job or do you do any freelance work on the side? Do you receive any benefits? Do you receive money from your family? Write all these sources of income down, and add up the total. Non-discretionary expenses include mortgage or rent payments, taxes, insurance, utilities, childcare, and groceries. Don't include entertainment expenses or eating out, since these are discretionary expenses. Subtracting nondiscretionary expenses from your income will show you how much disposable income you have.  Your number may be lower than you expect. You may be surprised to find that you do not have a lot of disposable income. Realizing this can help you learn to spend your money more wisely in the future. You may realize you end up with a negative number. This is a sign you're spending more than you earn. While this can be startling to realize, take this as an opportunity to take a hard look at your spending habits. Are you accruing credit card debt? Where are you spending most of your money? Do you need a higher paying job? If you're spending more than you earn, you'll have to cut back on expenses or seek work that can pay for your lifestyle. If you have some extra money it can be helpful to breakdown how you want to spend it. You can return to your list of monthly expenses and look at the extras. Where is most of your extra money going? Are you happy spending so much extra money on, say, going out on the weekends? Or would you rather put that extra money elsewhere?  You can give yourself a rough breakdown of how much you will spend on extras each month. You'll have to decide what you really enjoy. If you could stand to miss Friday night happy hour a couple times a month, but love taking your wife out to dinner on Sundays, take this into consideration. Let's say you have $500 a month of disposable income. As Sunday dinners are important to you, allocate $150 of this to eating out. This should give you more than enough for a few nice meals, and a bit of extra if you want order pizza on a busy weeknight. You'll have $350 left that you can allocate to different extras and treats throughout the month or save to put toward a larger goal, like a retirement fund or a downpayment on a home. Write your budget down and track your expenses during the month, trying not to go over-budget. During the first few months of budgeting, it may be hard to stick to your budget and you may occasionally overspend in some areas. That's okay. Just keep at it, and eventually you'll find it easier to spend within your limits.
Question: What is a summary of what this article is about?
Write down all your expenses. Add up all income. Subtract your non-discretionary expenses from your income. Decide how to spend your disposable income.
Article: A field hockey team consists of 11 players. The number of forwards, midfielders, and defenders on the field depends on the formation the coach chooses. The final player on the field is the goalie, who stays near the goal to block shots. Forwards score goals, defenders block goals, and midfielders do a little of both. Try to pick a position that fits you best. You may even get to play multiple positions sometimes. When you look at a field hockey field, you will see a semi-circle around the goals. These are the shooting zones, and you have to be standing in them in order to score. If you shoot the ball while standing outside of the zone, the goal doesn't count and the other team gets the ball. Make sure you only shoot with the flat side of the stick as well. The rounded side cannot be used at all. The short corner is perhaps the hardest part of the game to understand. When it happens, 5 defenders stand in front of the shooting zone. The rest of the defending team has to wait behind the centerline of the field until the team on offense touches the ball.  A short corner is basically a power play in sports like hockey, indoor soccer, or lacrosse. For very bad fouls, such as trying to harm another player, the referee may award a penalty stroke. A player for the offense takes a 1-on-1 shot against the goalie. Keep in shape, especially if you are a midfielder. All players need to be able to run without tiring. A regular field hockey game consists of 2 35-minute halves, so it involves a lot of endurance. Build your stamina as much as you can. Remember that, during a game, you run while holding and using your stick. Run with it in practice so you can get used to carrying it in a match. Bounce the ball along the flat length of your stick. Dribble it wherever you go. Work on turning with the ball, pulling it towards you, and passing it to a teammate. Every action helps you become a better field hockey player. Make sure you get comfortable wearing shinguards, a mouth guard, and gloves, if you use them.  Try asking a coach for help or sign up with a recreational team. Many colleges also have field hockey programs. Remember that even the best players start somewhere. Practice often, but have fun playing. The best way to get more information about teams is to find out where they play. Many communities have recreational leagues for all ages. Universities also tend to field teams. Search online for clubs in your area and ask players and coaches how they got started with the sport. If you can't find a team, you can always try organizing your own in your community.
Question: What is a summary of what this article is about?
Choose a position to play on the field. Shoot the ball only when you're standing in the shooting zone. Take a short corner when a foul is committed inside the shooting zone. Spend a lot of time running during practice. Practice wearing and using your gear. Speak to a player or coach to join a field hockey team.
Article: (The "Special Characters" window appears. You will see two dialog boxes. The one on the left is the "Font" menu and the one on the right is the “Subset” menu.) Click Miscellaneous Symbols. Click on the "☺" . The ☺symbol appears on the page.
Question: What is a summary of what this article is about?
Place the pointer on the page and click where the symbol is to appear. Click Insert > Special Character. In the Subset menu, click on the until you see Miscellaneous Symbols. Scroll until you see the "☺" symbol. Click OK.