![]() Like to read? You can also access free books that download as PDF or EPUB formats. This site’s nice because it’ll only give results that will work with your specific smartphone model. Mobile9 is a site that provides ringtones, themes, apps, stickers and wallpapers for iPhones and Androids. That’s why we don’t recommend using ringtones created from songs by your favorite band, especially newer, popular hits unless you’re sure about the copyright. Tap or click here to add custom ringtones to your iPhone.įinally, be sure you’re not infringing on any copyrighted content when downloading or creating ringtones. But just because there are a few extra steps doesn’t mean it has to be complicated. Tap or click here for instructions to download ringtones to your Android device.Īs you might already know, Apple doesn’t make it a simple process to add ringtones to your iPhone. While some sites offer special instructions, others don’t. You’ll want to know how to put the tones on your smartphone. Here are sites that promise to change your customization game. You can purchase new ringtones and sounds, but if you’re on the hunt for some good, free options, look no further. Tap or click here to see how you can customize your iPhone. There are still plenty of ways to make our devices look and feel original along those lines. Sure, you’ll have plenty of choices that come preinstalled, but they can lack that custom or personal touch. Chances are you paid hundreds or even well over $1,000 for your current smartphone, but that money doesn’t buy great ringtones.
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![]() Camtasia Studio 9 is a tool which allows you to record your desktop activities and create different tutorials. TechSmith Camtasia Studio 9 Free Download Create computer oriented, instructional and training based videos quickly and easily with this awesome Windows video tool. It is a free offline setup of TechSmith Camtasia Studio 9 for Windows 32bit and 64bit. You can use Camtasia Studio for Video capture and video recording. And some software might receive 2-6 warnings but it's if they are not all same virus/trojan then it's 99% false positives.TechSmith Camtasia Studio 9 Free Download is the latest version for windows. Our hosted software are virus and malware scanned with several antivirus programs using ( NOTE! Just one virustotal warning is 99.9% a false positive. Version history available = Complete changelog on our site. Old versions available = Download old versions of the program. Portable version available = Download the portable version and you can just extract the files and run the program without installation. It may not contain the latest versions.ĭownload old versions = Free downloads of previous versions of the program.ĭownload 64-bit version = If you have a 64bit operating system you can download this version.ĭownload portable version = Portable/Standalone version meaning that no installation is required, just extract the files to a folder and run directly. Visit developers site = A link to the software developer site.ĭownload (mirror link) = A mirror link to the software download. Be careful when you install the software and disable addons that you don't want! Ad-Supported = The software is bundled with advertising. No installation is required.ĭownload beta = It could be a Beta, RC(Release Candidate) or an Alpha / Nightly / Unstable version of the software.ĭownload 15MB = A direct link to the software download. Portable version = A portable/standalone version is available. Free Trial version available for download and testing with usually a time limit or limited functions. Trialware = Also called shareware or demo. It may be disabled when installing or after installation. Free software Ads = Free Download software and open source code but supported by advertising, usually with a included browser toolbar. Freeware Ads = Download Free software but supported by advertising, usually with a included browser toolbar. Free software Trialware = Download Free software and also open source code but some parts are trial/shareware. Free software = Download Free software and also open source code also known as FOSS (Free and Open Source Software). Freeware Trialware = Download Free software but some parts are trial/shareware. RECENTLY UPDATED = The software has been updated the last 31 days. NO LONGER DEVELOPED = The software hasn't been updated in over 5 years. Type and download NO MORE UPDATES? = The software hasn't been updated in over 2 years. Version number / Beta version number / Update version number and when it whas released. View full changelog Sections/Browse similar toolsĮxplanation: NEW SOFTWARE= New tool since your last visit NEW VERSION= New version since your last visit NEW REVIEW= New review since your last visit NEW VERSION= New version Latest version Improved Canvas rendering when displaying the Canvas at a scale other than 100%.įixed a bug that could prevent font ligatures from rendering properly.įixed a bug that could cause minor artifacts to be shown on text when using Behaviors.įixed a bug that could prevent the Fade Behavior from working correctly with special callouts such as Spotlight. ![]() Improved error messaging for licensing errors. Improved sync between video and audio streams in Recorder. It is now possible to sign out of Camtasia from Camtasia Home.įixed a resource leak that could lead to increased startup time. Attention content creators, podcasters, musicians, vloggers, and just about anyone wanting to inject an irresistible dose of expressive flair into their visual projects! Camtasia's new audio visualizers bring your voice, music and sound effects to life, synthesizing your audio tracks with dynamic graphics that excite and engage your viewers more than ever before! And just like Camtasia's dynamic backgrounds, they're drag-and-drop easy to use, and can be easily extended to match the length of your audio on the timeline! ![]() ![]() This is another Coursera specialization or series of courses, and the lead instructor is again through Michigan State University. ![]() Unity Certified Programmer Specialization More importantly, I had the skills and confidence I needed to try something bigger if I wanted to. Usually when I take a Coursera course I try to fly through it as quickly as possible, but in this case I found myself taking the maximum amount of time to really explore each project and build a tiny game I was happy with.Īs a result, I had a number of working games ready to share after completing the specialization and a digital certificate (with my name misspelled due to some Coursera bugs at the time). You then submit them for review and other people play your game and let you know what they liked about it. These projects contain pre-made assets you can use to build your own games following the course's structure. This specialization is a series of 5 courses with video lectures and downloadable projects. If you're willing to pay for a game development course, I strongly recommend Brian Winn's wonderful Game Design and Development with Unity 2020 specialization via Coursera and Michigan State University. Game Design and Development with Unity Specialization If you complete the Unity Essentials pathway, take another pathway or move on to the next section of this article. Of these I have completed the Unity Essentials and Junior Programmer pathways and benefitted from both of them, though I found Unity Essentials to be far more beneficial.īottom line: My number one recommendation for devs new to Unity is to complete the free Unity Essentials pathway. VR Development focused on building VR applications in Unity.Creative Core covering the engine's handling of materials and presentation resources.Junior Programmer focused on component scripting and working in the gamedev industry.Unity Essentials focusing on the basics of the Unity editor and how you can use it to build things.These pathways are a collection of videos and projects built to teach you a series of skills related to a role on a game development team.Īt the time of this writing, there are 4 currently available pathways: The first resource I like to push people towards is Unity's free Learning Pathways. I believe game development is a hands-on activity, so I prioritize courses and projects over books, though I have read most major books on Unity game development to supplement my knowledge. You should have a collection of pre-made pieces and instructions on assembling them, but the freedom to experiment and try different configurations and seeing how those changes affect the end result. My personal philosophy is that learning game development should be similar to building a LEGO kit. Benefit from timeboxed projects to minimize scope creep.Benefit from having art, music, sounds, and 3D models already provided.Learn best by accomplishing small projects with guidelines and support but some creative freedom and room for experimentation.Already know the C# programming language.Learning PhilosophyĮverything I mention below is something I have tried myself and benefitted from, so keep in mind this list will be biased towards people like me who: This article is my current best recommendations for learning game development with Unity. As a programming instructor I often get asked by students and graduates what the best resources are for learning to write games with C# and Unity. ![]() How to Uninstall Counter Strike: Global Offensive The other choice is to manually search for Counter Strike: Global Offensive on Steam and download it. After you verify your account, you can either go back to the Counter Strike download page (if you already closed the tab, just click the Download button again), and this time select “Yes, Steam is installed.” A popup window will open, and you have to give permission to open Steam, and it will automatically start to download the game.Create a user name and account for Steam.After Steam downloads to your computer, double click on the file and follow the setup wizard instructions.Otherwise, select “No, I need Steam,” and the gaming platform will download to your computer. If it’s already installed, select “Yes, Steam is Installed.” and skip to step 6. A pop-up window will open, saying that first, you have to download Steam.Click on the Download button on the sidebar, and a new tab will open and take you to the Counter Strike: GO page on Steam.How to Download and Install Counter Strike: Global Offensive for Free If you don’t have it, you can download it for free. This game takes patience and skills, and you must learn to master your weapons and eliminate your opponents.Ĭounter Strike: Global Offensive is only available through the Steam gaming platform. You can play with friends or get matched up in random games where you’ll rotate being on the Terrorist and Counter Terrorist team. Written by: Shauli Zacks Last updated on August 28, 2023Ĭounter Strike: Global Offensive is a first-person shooter with multiple game modes. Best Parental Control for iPhone & iPad.IPVanish VPN vs Private Internet Access. ![]() Personally, I think you should stick with the 2020's to see if you can figure out what's causing your problems-probably a setting here and there that is wrong, etc. BTW, with the 2020s my 5700XT fan control is fine.Good luck, but it sounds like your GPU isn't the problem here-I think you have a lot of work ahead in learning how to use the 2020 Adrenalin UI software.īut hey-you can install the 19.12.1 Adrenalins if the older Wattman UI is more your style-or use GPU Tweak, which you say works fine. Mark as New Bookmark Subscribe Mute Subscribe to RSS Feed Print 11-26-2020 12:21 PM. Allow your keyboard and mouse to wake up your PC Update your device drivers Turn off fast startup Re-enable hibernation Tweak power settings Repair system. ![]() Running GPU Tweak you are still running the Adrenalin drivers for the GPU itself-GPU Tweak is merely the control UI software, not the GPU driver. So, OK, you said that your 5700XT ran perfectly with GPU Tweak-but that you didn't like something to do with fan control on the 2020 Adrenalins-so why would you say you won't ever buy an AMD GPU again since it wasn't the GPU but the 2020 Adrenalin Software control for fans that you didn't like? Surely you can tell the difference between a GPU and the GPU driver fan control? al, point towards tweak 2 overriding suite 3. ran the ai suite to fine tune fans and digi, then ran tweak 2. now works but is far from stable, wont load start up. Right now i have GPU Tweak and AI Suite 3 - 597902. Even if you previously tried to uninstall Armoury Crate through Windows, this will ensure you. I have an Asus Z97-PRO GAMER motherboard, and an Asus GTX 770 graphics card. ![]() Unzip the program and run it to cleanly remove any and all remnants of Armoury Crate from your PC. I used to use it too for awhile with an RX-480 Asus GPU-but after much experimentation I simply uninstalled GPU Tweak II altogether and used the Adrenalins and Wattman exclusively-worked much better for me, actually. Head to the Armoury Crate support page, click the Show More link at the bottom, and click the Download button next to the Armoury Crate Uninstall Tool. It wont work if I remove all AMD software and start over. I found once I update the driver for the GPU that the Asus GPU Tweak II no longer works. So uninstall AI Suite through Windows, and perform the Windows 10. I have used this on Windows 10 Pro and Windows 8.1 Pro. IMO, GPU Tweak stinks, but that's just my opinion, of course. These modes make minor tweaks to hardware settings and display brightness to either. Anyway, for me when Always 3D Clock is enabled it maximizes the GPU boost clock and memory clock (ensure your GPU overclock is stable before applying). I love his connection to Clark, and from these comments, you can tell that if they called him tomorrow, he is in at the drop of a hat: "There is still a lot of storytelling for me to do as a Superman, and I would absolutely love the opportunity," Henry Cavill says. ![]() Henry Cavill is a great Superman, and the fact that Man of Steel did not get a direct sequel is a travesty. Most excitedly for me, he desperately wants to play Superman again. There's something fun about that, and I do love being British." However, I have the internet, and I have seen the various rumors about Captain Britain, and that would be loads of fun to do a cool, modernized version of that - like the way they modernized Captain America. As shows like Loki, WandaVision and the upcoming Spider-Man No Way Home also thread on the same lines, there’s no telling what could conspire in the upcoming Marvel film slate.First, though, he discusses how cool it would be to play Captain Britain, which I am sure caused Kevin Feige to pick up his phone immediately: "I'm never going to say a Marvel character that is already being played by someone else because everyone's doing such an amazing job. Added, Captain Britain’s abilities are invoked by mystical elements revolving around magic and the multiverse. Marvel Studios could explore a route of introducing Captain Britain in MCU Phase 4 since the character shares ties with Kit Harington’s Dane Whitman/Black Knight from Eternals in Marvel lore. Captain Britain and Black Knight connection in Marvel Universe Vaughn also hopes to set up a potential action thriller spy franchise with Cavill front and center. Next up, the actor will star in an action-fantasy reboot of Highlander, helmed by John Wick director Chad Stahelski. It would be interesting if he takes the Captain Britain role but still does DC films as Superman at the same time.Ĭavill’s filming schedule remains tight at the moment with the star currently filming Netflix’s Enola Holmes 2 starring beside Millie Bobby Brown. He fits the part, physique-wise, and is a good enough actor. Henry Cavill stars in Marvel Studios Captain Britain directed by Christopher McQuarrie would be awesome! The UK green-lighting (perhaps reviving) their own Captain Britain program post-Snap would make a lot of sense. #restorethesnyderverse #sotanocon November 11, 2021 If cavill is hired by Kevin feige to be captain Britain it would be a total embarrassment to wb management, one to follow previous failures such as letting nolan go Henry is a perfect casting for captain Britain who they could also use to introduce psylocke as well How you go from superman to captain britain? Imagine losing Superman to Marvel Studios…and imagine going from Superman, the godfather of all Superheroes…to Captain Britain. I'm down with Henry Cavill cast in the MCU as whatever, but like, WB still needs to keep him as Superman. I love that we live in a world where an A-list actor knows who Captain Britain is. Henry Cavill going from Superman the GOAT to Captain Britain of all characters would be wild /z4ptILTKvP Henry Cavill in THIS Captain Britain would be utter perfection /Tr6jH28ZqH ![]() ![]() Henry Cavill says he'd be down to play Captain Britain in the MCU soooo… Furthermore, Kingsman director Mattew Vaughn and Mission Impossible helmer Christopher McQuarrie are certain the actor would “make an excellent Bond.” Tweets from fans and critics can be found below. Going by Twitter reactions, Henry Cavill fans are delighted by the idea, although a huge part of the community hopes to see the action hero don the cape as Superman again for DC Cinematic Universe. There’s something fun about that, and I do love being British.” “However, I have the internet and I have seen the various rumors about Captain Britain and that would be loads of fun to do a cool, modernized version of that - like the way they modernized Captain America. “I’m never going to say a Marvel character that is already being played by someone else because everyone’s doing such an amazing job,” said Cavill. Surprisingly, the actor acknowledged the ongoing interest among fans to see him don as the English superhero but of course, with a modern retelling of Brian Braddock, similar to Chris Evans’ Captain America. Speaking to The Hollywood Reporter, Cavill was questioned if he’d be keen on playing an MCU role in the potential future. But aside from his rush of excitement for the fantasy series’s upcoming season 2 release, the 38-year-old action hero still shares an interest to revisit superhero role, though this time, in the Marvel Universe. In fact, it seems the Superman star has given it a thought, especially with his DCEU’s Man of Steel role in the backburner.Ĭavill’s spotlight in Hollywood has broadened largely ever since his involvement in Netflix’s The Witcher. Henry Cavill finally speaks out on his fan-casting as Captain Britain for the Marvel Cinematic Universe. ![]() A dungeon becomes exhausted for a player either after the player finishes it or leaves when inside the dungeon three times. The third mode is “conquered”, which occurs after a player in your party has exhausted that dungeon. The second mode is “occupied”, meaning a party is already inside the dungeon. The first mode is “available” meaning the dungeon is free for any party to enter. Only one party can be present in a dungeon at any given time.ĭungeons have three modes. Since a party can only have up to 10 players, dungeons will present a decent challenge to players. When the party is ready, you simply right-click on the dungeon door and everyone confirms if they’re ready. Instead of players rushing into a dungeon and demolishing whatever’s there and looting, the dungeon system requires players to form a party first. Dungeon blocks regenerate instantly if broken, meaning no one can get inside even with creative mode. This system isolates dungeons from the main world and functions with the party system. One of the features we have worked on for this release is the dungeon system. Now with the party system, you can form a party with your friends, complete with an overlay UI which lets you see who’s in your party, their health, their hunger, their armour and the amount of coins they have, without the need for plugins! Players can name their own party, and the maximum party size is 10 players. Previously in Minecraft, the only real way to form a group with others without having to worry about things such as friendly fire were from overlaying plugins such as factions or towny over a Minecraft server. The Aether introduces several huge mechanical features to enhance the experience both in the Aether and everywhere else in Minecraft.įirst of all is the party system. Myself and Jaryt also regularly stream our development on Twitch: Wondering how the mod’s coming along? We use Facebook, Twitter and Reddit to share development updates. Brave adventurers who wish to explore this forgotten paradise merely only have to compose a portal out of glowstone and ignite it with a bucket of water.įor various Aether-related questions, please refer to this document: The Aether is a “hostile paradise”, composed of floating sky islands filled with strange creatures and great mysteries. We haven’t added all the features we want to yet, but we will definitely be working on more content updates in the future. As is, this is the first Alpha release for this version of the Aether, and it is for Minecraft 1.5.1. In addition to adding a new dimension, the Aether adds a number of different features, items, mobs, music, dungeons and blocks. Our goal is to rework the Aether to be the best experience it can be in a multiplayer context and to improve on where we fell short previously. The official Aether server is provided by As usual, make sure to post any bug reports you find to the forum But don’t fret, we’ve tried our best to make this initial release as bugless as possible. This means that it could be highly unstable in some areas. The current version of the mod is in its first Alpha stage. Much has changed since the days of the Aether I, but it still remains a collaboration between people from various different disciplines with a shared goal of creating a new and unique dimension. Report issues for Labyrinth Pillar there.The Aether II is the sequel to the Aether I. Issues relating to Labyrinth Pillar block are maintained on the bug tracker. They are always found with Monster Spawners, Carved Stone Wall, Skyroot Chests and/or Skyroot Chest Mimics closeby.Ģ (DV), 202 (dec), CA (hex), 11001010 (bin) Labyrinth Pillars generate as tall multi sectioned one-block thick pillars in the Slider's Labyrinth, along with Sentry Stone, Divine Carved Stone, Divine Sentry Stone, Holystone, and Blood Moss Holystone. *Times are from unenchanted tools in seconds, and Zanite with max durability. If mined without a pickaxe, it will drop nothing and be destroyed. Labyrinth Pillar requires a pickaxe to be obtained, in which when mined, it will drop itself. ![]() I found making my videos using After Effects fairly time-consuming due to its advanced and highly-customizable nature. I was really pleased with its incredibly wide range of usable tools, parameters, filters and transitions to make almost any video I wanted. With After Effects, there are almost no limits to how you can create and produce your videos apart from your technical skills and knowledge. So, after four years of minimal usage, I decided to cancel my subscription and stop using it. And, within the four years I used After Effects, I only ever produced seventeen videos with it (roughly 0.34 videos per month). It can also be a fairly heavy and demanding software in terms of hardware requirements, which may limit its use on certain devices.Īll in all, I found After Effects useful for creating my own videos, but I found it overpriced for someone like me who barely used it. CONSĪdobe After Effects can have a steep learning curve for beginners, and may require a significant amount of time to master its advanced features. It also has an intuitive interface that facilitates work and allows for greater efficiency in content production. It offers a wide range of tools for video post-production and animation, including options for color correction, lighting effects, motion graphics integration, among others. PROSĪdobe After Effects is a highly versatile software that allows you to create high-quality visual effects. Although at first, it seemed like an overwhelming software, after some time practicing, I was able to understand its main features and create impressive animations and visual effects. System will heat up quickly not only while rendering but also during editing, so cooling device is must if you want to save the system's life.Īs an IT department intern at the University, I had the opportunity to use Adobe After Effects on several occasions for audiovisual content production. If the system has lower specifications and suppose you are rending an highly complex video that is just edited, it will take very very long time to render and sometime software will even crash. ![]() So if their is a need for software to edit videos, After effects best ever choice and highly recommended. Interface is best and maintenance of tabs with features are made to edit video faster and effective. When it comes for editing, to learn, it will take some time, the more complex or advanced your editing is, the more you have to learn as a beginner. ![]() Not only a lot of features are their but we can add more custom features using Plugins. Huge number of features are their for editing videos in different ways. Complex and Advanced editing can done easily, it is like just built for creating Amazing video edits. PROSĪdobe After effects is the best software for video editing. Their are a lot of software for editing videos but with after effects you can do next level editing because not only their are a lot of inbuilt features but you can add more with help of plugins. Adobe after effects is best class video editing software. ![]() The application includes a tool to quickly transfer settings from third-party browsers, allows you to block pop-up and contextual advertising on sites, supports html5 content and integration of FireFox. The crash report has also been stripped out, as it''s designed to work with server-side technology that isn''t available on. And Pale Moon also drops support for Internet Explorer''s ActiveX and ActiveX scripting technology, which also offers a security benefit as it means the browser can''t be infected by malicious ActiveX controls. I found a couple of add-on issues (I started off with the add-ons Id been.9 posts Maybe its old news, but I only discovered New Moon yesterday. In particular, Firefox is compiled with the most conservative of settings, to ensure that it''ll run on even ancient CPUs. Pale Moon, though, is optimised to take full advantage of modern processors, and this can give it a huge advantage over Firefox in some areas. 100% Firefox sourced: As safe as the browser that has seen years of development.Uses slightly less memory because of disabled redundant and optional code.Significant speed increases for page drawing and script processing Otter Browser, 1.0.81, Official site, Needs updated certificates on XP.Support for SVG and Canvas, and downloadable fonts including WOFF Download the Pale Moon Portable file (below) Extract the contents of the file to your USB stick in a folder of your choice: Run the.Stability: experience fewer browser crashes.Pale Moon, 26.5.0, Homepage, Pale Moon is pure and utter garbage. EXE#ĮXE file and tell it where to unpack (should be an empty or new folder) Run palemoon-portable.exe (not palemoon.exe) in the location you unpacked to. Not only does v26.0 use a new SHA256-signed digital certificate, but starting this version will also be signed with both SHA1 and SHA256 digest algorithms to satisfy later Windows' code-signing requirements.ĭiD This means that the fix is "Defense-in-Depth": It is a fix that does not apply to an actively exploitable vulnerability in Pale Moon, but prevents future vulnerabilities caused by the same code when surrounding code changes, exposing the problem.Support for OOPP (Out-of-process plugin execution).Support for Firefox extensions (add-ons), themes and personas zebNet Backup for Pale Moon Free Edition supports Microsoft Windows XP, Microsoft Windows Vista, Microsoft Windows 7, Microsoft Windows 8, Microsoft Windows. Updated the way binaries are code-signed.Prevented a potential buffer overflow in WebGL.Prevented unsafe memory manipulations in zip archives.Crash fix: Prevented queueing multiple media sources that could lead to unsafe memory access.Updated NSS to 3.19.4.1-PM to fix a potential UAF and CVE-2015-7575.Reinstated the about:config warning by default.Fixed web compatibility with Comcast/XFinity webmail and other sites or web applications that expect older JavaScript versions as default.Fixed web compatibility issues with Youtube, Youtube Gaming, Yuku fora and Netflix.Made sure that dom.disable_beforeunload is predefined in about:config.Changed the way "transparent" is handled in Goanna to improve transparent gradients using this keyword. ![]() Please see the forum for information on which operating systems we can reasonably support.Removed the sanity check for unsupported point-of-sale XP-based operating systems by user request. ![]() Like your general savings account, don’t spend your emergency fund unless necessary. 19. Emergency FundĪn emergency fund is your safety net if an unexpected, financially draining event occurs, such as losing your job. You can use your savings for plans or financial goals or keep them for emergencies. 18. Savingsĭon’t forget to set aside money for your savings. Some examples are expenses for concerts, travelling and dining out. Under entertainment expenses, you can include the costs of activities or events you find enjoyable. ![]() Whether you borrowed from a friend, the bank, or a credit union, set aside money to repay a portion of your balance monthly. ![]() This way, you won’t be burdened with extremely high-interest accumulation over the years and may have a better chance of qualifying for loan forgiveness programs. Remember to repay your monthly due repayments for your school debt consistently. Remember to pay more than the minimum required repayment so you can steadily reduce your debt balance and avoid additional interest charges. One of the best tricks to get out of your credit card debt is incorporating debt repayment into your monthly budget. This expense category includes clothing, shoes, toiletries, cosmetics and toilet products. 13. Clothing And Personal Itemsĭon’t mislook clothing and personal items when organizing monthly expenses for a single person. Then, calculate how much their overall monthly costs are to set aside enough money. Take note of every insurance you pay for, including life, disability, home, car, or rental. Insurances are must-haves in your personal expenses list. Here, you should include monthly payments for your streaming services, gym memberships and other subscriptions. ChildcareĬhildcare expenses include every cost of providing for your children, including their daycare expenses, supplies, and their babysitter’s wage, if applicable. Include your pet’s insurance expense in your monthly budget to ensure you’re financially prepared in a pet emergency. Pet Careįor this area of expenditure, set aside money for caring for your pet, including food, toys, grooming, veterinary expenses, and other supplies. This may include fuel costs, maintenance, and monthly car payments. Transportation refers to all the costs of your household getting around, whether by car or public transportation. As a reference for budgeting this expense, check how much you’ve spent on food for the past several months. This refers to the cost of your groceries, with or without the budget for dining out. If you have one, don’t forget to include it in your monthly budget. Home insurance provides financial protection for your home’s assets in the event of damage caused by natural disasters or criminal activities. To save money, you can always opt for a cheaper Internet plan. Don’t forget to include this expense in your budgeting planner. Internet bills usually have fixed monthly costs as long as you stay within your allowed data usage. If you’re budgeting for the entire family, sum up every monthly phone bill you pay using your household budget and allocate that much money for your phone bill expenses. Then, use the most expensive bill as a budget reference for each utility to ensure you budget enough to cover the highest possible cost. So, check your utility bills for the last three months. Your electricity, gas and water bills may vary slightly. Rent or housing usually takes up the biggest portion of many Canadians’ budgets. This expense includes rent, mortgage payments, and home or apartment maintenance. Use the personal and household expenses lists below as starting points to help you decide what to include in your monthly budget. However, some expenses that shouldn’t be left out for many Canadians are rent, utility bills, insurance, debt repayments, transportation, emergency fund and food. The expenses you should include in your monthly budget will depend on your specific life situation, including your age, number of dependents, priorities, debts, and financial goals. |
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