How to Create a Zero Based Budget

Are you able to keep track of every amount that goes in and out of your account? Do you find yourself living from paycheck to paycheck and unable to save money?

The truth is, most of us are unaware of how much we need to live comfortably each month and this could lead to stress when paying bills. To manage your money effectively, creating and sticking to a budget is essential, and a zero-based budget will help you account for every single kobo you earn or spend.

In simple terms, a zero-based budget is your income minus expenses equal to zero (i.e. I – E =0). With zero-based budgeting, you will understand how your hard-earned Naira is being spent (expenses, debt, and investments).

Creating a zero-based budget might seem tasking, however, using the right digital saving and banking tools will make the process easy to start.

How to make a zero-based budget
1. List all your income sources

When making your zero-based budget, start by adding your possible sources of income. This can include your salary, income from your side hustle, cash gifts, residual income from investments, etc. You can do this with a sheet of paper, excel spreadsheet, or online savings platforms.

2. Write down your monthly expenses

Before the month begins, write down every planned or recurring expense starting with food, utilities, shelter, and transportation. Also, include a category for miscellaneous (unplanned expenses). Don’t forget to add your periodic savings to your budget too; saving money should be a priority.

3. Compare your cash inflow and outflow

Remember the goal of a zero-based budget is to have a balance of zero at the end. If your income and expenses do not equal zero that means you will need to increase your income or reduce your expenses, or both.

The desired outcome of the zero-based budget is to have every Kobo accounted for. This does not mean you will have zero Naira in your bank account, it means that you will have zero Naira left in your budget.

If you have a ¦20,000 excess in your budget, you will need to assign it to something profitable. For example, an investment platform like OVERWOOD will help you earn compound interest on idle funds.

The biggest advantage of adopting a zero-based budget is that it gives you control over what is happening with your money. A zero-based budget will direct you on how to spend your money the right way.

Self-Pleasuring Shake-Up: Handy Techniques to Try

By the time a man reaches his mid-twenties, he’s likely to have self-stimulated hundreds of times; even those who self-gratify only occasionally will have probably done so a few dozen times. So it’s not unusual if a certain amount of boredom may have set in from using the same old techniques. Sure, the self-pleasuring is still pleasurable, but it may have become a bit routine. Shaking things up with some new hand jives, while at the same time taking care that they don’t impinge on male organ health, can add a little spice to a guy’s solo-sensual activities.

Staying handy

There are a number of ways that a guy can break out of a self-pleasuring rut, such as using sensual toys or other external additions. For the purposes of this article, however, the focus will be on ways of using the hands in a different manner, rather than adding a new object into the mix.

Simple change-up.

Although exact statistics are hard to come by, it’s generally agreed that the most popular form of male self-pleasuring involves wrapping one’s dominant hand around the male organ, forming a fist, and pumping up and down. Clearly, one easy way to make a change is simply to switch hands. If one typically wraps the right hand around, switch to the left (and vice versa).

All together.

Or one can use both hands. There are a number of variations on this theme. For example, a guy can stroke for a while with one hand, then switch to the other. He can place one hand at the base and the other at the tip and stroke simultaneously. Or he can pull one hand all the way from tip to base, followed by the other, and keep alternating. For those who use internet-based visual stimulation while self-gratifying, it may make it difficult to click from one site to another, of course.

Get a new grip.

Simply varying the tightness of one’s grip can also add some variety. Men who tend to grip tightly can benefit from a lighter touch; even better, it can be fun to start with a tight grip but, as one approaches a release, to switch to a very, very light touch.

Palm it.

Rather than a tight grip, try palming the member. Place one hand on one side of the manhood and one on the other, palms straight out. Then rub, with one hand going back and the other going forward, then reversing it. Many men used to a grip-based method find this intensely pleasurable.

Slap it around.

Beating the meat is a popular euphemism for self-pleasuring, so why not go that route? A guy shouldn’t actually beat his manhood, as that can cause both pain and damage; however, a little gentle slapping can be effective. The trick is to use whatever method works for obtaining tumescence, and then slap the member from one hand to the other, increasing the speed and the intensity as one goes along to bring about release.

Go numb.

For this method, a guy needs to put his hand to sleep, i.e., make it feel numb. (This can often be accomplished by sitting on it for a few minutes.) He then self-gratifies with the numb hand. Because there is a lack of sensation in the hand, it creates the illusion that he is being self-stimulated by another person – at least as long as the numbness persists.

New self-pleasuring techniques will be even more effective if a man is using a quality male organ health crème (health professionals recommend Man1 Man Oil) to keep his member healthy. The favored crème will include acetyl L-carnitine. Why? This ingredient is neuroprotective and helps to restore lost sensitivity to the manhood – a common issue for men who have self-gratified for many years. The best crème should also contain vitamin C, which is important for collagen production and male member tissue firmness. Maintaining a male organ at its best health will make all forms of sensual activity more enjoyable.

Visit http://www.menshealthfirst.com for additional information on most common manhood health issues, tips on improving member sensitivity and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

How to Use Google Drive to Recover Deleted Files

If you are struggling to find out how to recover deleted files from Google Drive, then this quick guide is for you. Here, we have discussed multiple ways to do that.

There are multiple ways available to recover deleted files from Google Drive. These recovery options include:

Recover deleted files from Google Drive Trash
Restore Google Drive files from backup
Check your Google Drive Activity
Recover deleted files from Google Drive Trash

Source: wondershare

Just like Recycle Bin on your PC or Trash on Mac, all deleted data from Google Drive is marked deleted and moved to Trash. It remains there for next 30 days and automatically gets deleted after that time period. Here, it gets permanently deleted after 30 days of time. So, if you have file deleted in less than 30 days, then you can check Google Drive Trash to restore deleted files. To do this, follow below mentioned steps:

Login to your Google Drive account to start recovering process.
Tap on Trash icon on the left pane to view the deleted files. You may find it is named as Bin sometimes.
Here, you will find all deleted files on the list. Sift through all the files to find one that you want to restore.
Once selected, right-click on it and select restore option to recover the selected file. Here, it will restore the deleted file to its original location in Drive.
Note: You can click on Delete Forever option if you want to permanently delete the file.

Restore Google Drive Files from Backup

If you are G-suite user, then you can try to restore deleted files from Google Drive’s Vault application. It allows you to restore a backup from Google Drive. This web-based tool allows to save the cloud data that is stored in:

Gmail
Google Drive
Hangouts
Google Groups
It allows you to restore deleted files from above mentioned accounts only. It doesn’t support recovery from Google calendar, contacts, and sites. To recover deleted files using Google Vault, follow below mentioned steps:

Sign into your Google Vault account.

Here, select “Matters” and choose Pre-Existing Matter. You can find this option in the left pane.

Tap on Search in the left pane and then select Drive.

Once you have selected the drive; provide your email address to restore deleted data.

Next is to click on Search Now option. It will display you all available files based on your search.

Choose “Export Results” option. It will export all selected files of the list.

Once it completes export process, click on Download to get back your files. Here, it will download all files in a zip file. Once downloaded, you can upload files back to Google Drive for easy access.

Check your Google Drive Activity

Source: wondershare

Being a Google Drive user, you can easily view your recent actions in the activity pane. Here you will find two options to view:

First, Details to see with whom the document is shared and see the location of the folder. It also displays you other sharing settings.
Second, Activity to help you view your recent actions In the Google Drive.
To access Activity option in Google Drive, follow below mentioned steps:

Login to your Google Drive account.

Here, you need to open your drive. To do this, tap on My Drive option. Here, you will be able to view files that are present in the Drive.

Next is to find and click on Info pane. Here, you need to tap on icon in the Info pane displayed at upper right corner. You can also choose to open Activity panel by clicking ‘i’ key on your system keyboard.

Next is to Click on Activity tab to view your recent actions. You can click on specific files or folders to view actions related to that file or folder. You can scroll up or down to view latest and older changes to the selected item.

In addition to recover deleted files from Google Drive, you can also try to recover it from old backups you have created on your system or external drive. You can also try best data recovery software to recover deleted files even from formatted or broken disk. These powerful tools work efficiently on all platforms including Windows, Mac, Android, iOS, and Linux.