This plan breaks the most important money goals into easy-to-understand, actionable steps! If you don’t know what goal to focus on right now, check out the 7 Baby Steps. If you’re working to save money, get out of debt, or hit some other money goal, you’ll get there way quicker if you cut back on the nonessential spending. Then use your online bank account or those bank statements to estimate what you plan to spend for everything. ![]() Then work in a miscellaneous line and any nonessentials like personal spending, fun money and entertainment. Next, list all other monthly expenses. Start with the essentials: I’m talking about insurance, debt, childcare, etc. You’ll learn better what you actually need here in the months ahead. ![]() By the way, that grocery budget line is super hard to guess at first, so just start with a really good estimate based on your past spending. Other expenses change up, like groceries or gasoline. Some of these are called fixed expenses-aka the expenses that stay the same every month, like your rent or mortgage. Here’s what it might look like for you (but with your numbers, of course!): Make a budget category for each of these and create budget lines underneath for your specific expenses. You've got to pay yourself first before you pay everyone else!Ĭover your Four Walls. That’s food, utilities, shelter and transportation. I believe in putting 10% of your income here-it’s a great way to start your budget with a spirit of generosity! Next, budget for your savings goals, like an emergency fund (depending on your Baby Step, which I'll talk about more in a minute). Pro tip: When you’re making a budget, before you put in all the things you’ll pay for this month, set aside money for giving. It’s time to list your expenses! (Yep, this is when that bank account or statement gets super helpful.) Now that you’ve planned for the money coming in, you can plan for the money going out. You can adjust later in the month if you make more and add that extra money to your money goal or another budget line. ![]() If you’ve got an irregular income, take a look at what you’ve made the last few months and list the lowest amount as this month’s planned income budget line. (Note: You’re working with net income here, meaning what you bring in after taxes or anything else that’s taken out of your paycheck.) Here’s an example: You work weekends as a barista or babysitter? That’s income, and it goes in your budget.Ĭreate separate income budget lines for every paycheck you (and your spouse) get, plus anything extra coming in. Income is any money you plan to get during that month-that means your normal paychecks and any extra money coming your way through a side hustle, garage sale, freelance work or anything like that. That will give you the info you need as you start filling out numbers in your budget. Pro tip: Before you dive into the steps, open up your online bank account or grab your bank statements. Just saying.) Either way, it’s totally okay to start by writing out everything on a sheet of paper. It’s what I use to budget-and it’s the best. No matter how you feel about budgeting right now, no matter what money goals you have, and no matter your income-you can make (and keep!) a budget in just five steps.īut first, decide if you’re making a budget on paper, with a spreadsheet, or in an app. Keep reading to see how to make it happen so you can make a budget that works for you. When you learn how to make a budget-and do it every month-you’re giving your money purpose. It’s a plan for what’s coming in and what’s going out. It’s not a restriction on spending-it’s a plan for what you’ll do with your money. Real quick though, let’s define the word budget. ![]() Make a New Budget Before the Month Begins.Here’s how to make a budget in five steps. So, here we go-bite by bite, step by step. (You go one bite at a time.) And no one leaps into budgeting like a pro. Because no one eats an elephant by swallowing it whole. Making a budget might seem overwhelming at first, but hear this: You can do it.
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It adds significant storage requirement tho (~14.7GB per 1x1 degrees tile). merspieler has acquired GPL compatible sources so we could theoretically have a demo area with ortho scenery in the first WS3.0 release. WS3.0 also offers the opportunity for well performing ortho scenery with acceptable memory impact. Here it remains for the navdb parser to understand the 8.33kHz frequencies. The apt.dat file gets update with this as well. Work has been done to automatically update the airports from the X-Plane gateway which can be done automatically now. This would eliminate the need to cut airport layouts into the underlying terrain.ĭue to difficulties with this approach, it has been decided, that we keep using the WS2.0 airports for now. Apt.dat will continue to be the primary source for airport layouts and that airports will be draped over the terrain. WS3.0 will continue to cooperate with osm2city.Įasy upgrade: Initially the plan was that airport layouts will be generated in real-time. OSG Core: OpenSceneGraph will require targeting of the OpenGL Core Profile.Shader-based Rendering: All of the terrain renderings will be done via GLSL shaders.OpenGL 3.3 Core Profile: WS3.0 will require us to eliminate the usage of the fixed-function pipeline.TerraGear becomes obsolete in favor of VPB. Produce high-quality scenery using the best-known practices. The coastline is applied as a high resolution overlay texture that is generated at runtime from OSM data and mixed with the landclass texture by the ws30 shader. This shows a view near Oban in Scotland looking South. WS30 using OSM data to define the coastline. ![]() Regular grid arrays with optional edge-skirts to conceal any cracks Theseĭatabases can be fluidly navigated at 60fps from outer space down to Terrain models ranging from a small area to the entire planet. Terrain without any supporting userspace code required. 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