![]() These products are meant for personal and not commercial use. Due to the type of product, these digital products are non-refundable. Support: If you need help with this product or have inquiries, contact us.If there are any issues, here's an article about how to download digital items. How to Download: Once payment is complete, the digital file(s) will be available for download and an email will be sent to you.Editable: I've locked some cells to prevent accidental changes to formulas and graphs, but all cells can be unlocked.Here's the Google Sheets version if you're interested. The formatting might appear differently depending on the Microsoft Excel version you use. Microsoft Excel: This product has been designed for use in Microsoft Excel.There is also an extensive instructions manual containing what's on each monthly and annual budget tab, how to use each tab, and additional tips on how to budget, save and make more money. Annual budget summary broken down by category (which is auto-populated).Annual budget summary broken down by month (which is auto-populated).Annual budget summary (which is auto-populated).Monthly expense worksheet (which auto-populates into your monthly budget).This Budget Spreadsheet includes 5 types of tabs: Track your bills and bill payments for your household.Assign each income dollar to a bill, expense, debt or savings so no money is unaccounted for in your home.List your personal budget goals and actual numbers and see your monthly and annual progress.This Monthly & Annual Budget Excel Template will help you: It can help you to analyze your budget and make important decisions on augmenting the income and savings, and reducting the unnecessary expenses. The dashboard provides a summary of the various expenses and savings. The report provides a summary of the personal budget based on the Income pie chart, Expenses bar graph, annual expense distribution pie chart, and income expense, and savings chart. The dashboard’s worksheet makes the budget easier to comprehend and analyze with the help of graphs and charts. What does the Personal Budget Dashboards worksheet do? The value will be achieved if the savings goals have been attained. The ideal value is 0 (zero), which indicates that any increases in the income or decreases in expenses are automatically allocated towards savings. The potential to save is the amount of money a person can save in a month either by an increased income or a decreased spending. What does the "Potential to Save" value mean? The following groups are reflected in this chart: The line chart depicts the status of the various categories, such as income and expenses for each month relative to the previous month. The chart enables you to determine categories with most and least expenditures, which can help you to analyze your budget farther and possibly identify some categories with partly or altogether avoidable expenses. This pie chart shows the percentage share of the summarized expenses incurred throughout the year. The Annual - Expense and Distribution Pie.The same data is also used in the doughnut charts, which shows the share of each expense category. The bar chart is a representation of the monthly expenses by category. The chart makes it easy to interpret the income source with the largest and smallest shares. The Income pie chart reflects the share of each source of the income, which you receive. The Dashboards worksheet shows a summary of your personal budget in four different charts. This value is calculated both on a monthly and annual bases. Potential savings made by an individual are calculated by simple subtraction of the sum of the Total Savings Goal and the Total Expenses from the Total Income. ![]() ![]() It also helps with making better savings and expenditures decisions. The monthly analysis helps to obtain a projected image of the overall savings targets that individuals aim to achieve and the amounts they can potentially allocate towards their savings. The net value of the savings goal is calculated monthly, as well as on the basis of an aggregated annual amount of savings. The savings goal can be a single goal or a set of projected goals. The worksheet also includes a savings goal set for each month that one should aim to achieve through successful budgeting. There are various sources of income included by default in this template: The first worksheet is the personal budget worksheet that will hold the details of the possible sources of income, as well as amounts received through each of the sources. ![]() Start by downloading the template and recording into the spreadsheet your income, followed by expenses.
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If you never received your item that has shipped and the delivery time has been more than our standard shipping times (5-8 business days for domestic orders) or your selected expedited shipping time and you request to cancel that order, we can cancel your order and issue you a full refund. Items that are returned within 60 days of when the order was placed due to ordering error or if you were not satisfied/changed your mind with the item, a refund will be issued minus the shipping charges. We will refund the full cost of the merchandise and original shipping charges. ![]() You may return any item(s) that arrived damaged. We will contact you within 1-2 business days with a solution. Please fill out the contact form and state what was wrong with your order. We do not offer exchanges but we will gladly ship a replacement for you or issue a refund. ![]() If your product arrived defective or damaged, you are missing an item, or you received an incorrect shipment, Proverbs 31 Ministries will make it right for you within 60 days of when your order was placed. *A digital copy of the first two-weeks of the study guide will be automatically delivered to the email address provided at checkout as you wait for your book to arrive in the mail.
![]() In Brazil, this reform has been in force since January 2016. All of the CPLP countries have signed the reform. In Portugal, the reform was signed into law by the President on 21 July 2008 allowing for a 6-year adaptation period, during which both orthographies co-existed. This spelling reform went into effect in Brazil on 1 January 2009. ![]() In 1990, the Community of Portuguese Language Countries (CPLP), which included representatives from all countries with Portuguese as the official language, reached an agreement on the reform of the Portuguese orthography to unify the two standards then in use by Brazil on one side and the remaining Portuguese-speaking countries on the other. However, due to the two reasons mentioned above, the gap between the written, formal language and the spoken language is much wider in Brazilian Portuguese than in European Portuguese. Despite this difference between the spoken varieties, Brazilian and European Portuguese differ little in formal writing and remain mutually intelligible. In these latter countries, the language tends to have a closer connection to contemporary European Portuguese, partly because Portuguese colonial rule ended much more recently there than in Brazil, and partly due to the heavy indigenous and African influence on Brazilian Portuguese. With a population of over 203 million, Brazil is by far the world's largest Portuguese-speaking nation and the only one in the Americas.īrazilian Portuguese differs, particularly in phonology and prosody, from varieties spoken in Portugal and Portuguese-speaking African countries. It is spoken by almost all of the 203 million inhabitants of Brazil and spoken widely across the Brazilian diaspora, today consisting of about two million Brazilians who have emigrated to other countries. ![]() Selecting a region changes the language and/or content on Portuguese ( português brasileiro ), also Portuguese of Brazil ( português do Brasil, ) or South American Portuguese ( português sul-americano) is the set of varieties of the Portuguese language native to Brazil and the most influential form of Portuguese worldwide. From there, you'll find your own signature croquis style. While it can be helpful to use a croquis template as you’re learning to draw, don’t be afraid to explore different body shapes and poses. Additionally, the details and facial features of croquis are often indistinct so the focus remains on the clothes. This helps show the movement of the garment and how the clothes will drape on a person. 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![]() They are best suited for website or blogs, which use dynamically scaled icons that look sharp and non-pixelated.ĭownload Icon Set 3. Simple Line Icons (Font Icons) Image source: dribbbleĬreated by Ahman Firoz, Simple Line Icons is a clean set of social media icons that is made as a font style. These can be used for sketch and Adobe Illustrator as well.ĭownload Icon Set 2. On this set, you will social media icons for popular platforms such as Github, Paypal, Evernote, Envato, Behance, Soundcloud, Facebook, Twitter, Pinterest, WordPress and many others. This icon set has 40 icons with three different styles of each. Creative Social Media Icons Image source: dribbble In this guide, we will go over 50 high-quality social media icon sets that you can use for your website or blog at absolutely no cost.ġ. Though social media icons are the nitty-gritties of a website, it’s still important that they are made aptly. As a graphic designer, it’s important that your social media icons are popping and visible so that they are not absorbed into the theme of the website. Social media icons ought to be conspicuous and standing out. Social media icons are your convenient way of tackling this contemporary problem. It goes without saying, if you are out to grab the attention of onlooker then your social media icons should be enticing, fulfilling, and pleasing to the eye. Social media icons normally go to the sidebar, top header, or footer section of a website where they are easily noticed. The biggest hurdle for most website owners today is to attract the attention of viewers to their platform and keep them locked. For bloggers, it’s almost impossible to increase the viewership of your website/blog without proper social media linkage through an attractive social media icon set. Social media is an essential part of any website and it’s unthinkable not to have the advantage of ‘ social proof’. He owned mines and ranches and lived in a sumptuous mansion in San Francisco.Īccording to the Timber and Stone Act of 1878, anyone could claim up to 160 acres of timberland in Washington, Oregon, California, or Nevada if he paid $2.50 per acre and swore that he had personally inspected the land. ![]() While Smith was a true lumberman, managing and building each new operation, Moore, the majority owner, was a venture capitalist. Moore, prominent San Franciscans who ran sawmills in California and Washington, began buying up property there in the 1880s. The high Sierra Nevada was a wilderness when Hiram C. It also supplied the money and water that turned California’s San Joaquin Valley into a very successful farming area. Built in only 13 months, it was in use from 1890 to 1923 and eventually grew to be the longest in the world, contending with bankruptcy, fire, and death while it permitted the harvest of the world’s largest trees. Most majestic of all the flumes was the Kings River flume in Fresno County, California. Before today’s heavy-duty trucks and roads, loggers could move this lumber out of the remote backcountry only by constructing gigantic aqueducts designed to float it miles down the sides of mountains. Lumbermen built flumes of epic proportions, using water and gravity to bring some of the nation’s best wood to market. ![]() This silly but exhilarating amusement ride once served a greater purpose than mere entertainment. Climbing into long, narrow boats molded and colored to resemble hollowed-out logs, Americans by the thousand ride these liquid roller coasters every summer, letting the splashing water soak them as they fly downward. “RIDE THE LOG FLUME!” CRIES THE AMUSEMENT- park advertisement. ![]() Too thick? Add a teaspoon of milk at a time. Too thin? Add powdered sugar 2 Tablespoons at a time. Add in the vanilla and sifted powdered sugar and beat until nice and smooth. Beat the butter and cream cheese until nice and fluffy.Invert onto cake plate and frost each layer. If finger lightly pressed in center bounces back it is done. Pour into prepared 8 inch cake rounds, bake at 350 degrees for 35 minutes.Next add your carrots, coconut, crushed pineapple with juice and chopped walnuts.Add in your flour, baking soda, salt, and cinnamon.In your mixer bowl, combine eggs, buttermilk, oil, sugar and vanilla.It's up to you and the desired look you're trying to achieve. You can make either two thicker 8 inch cakes or three thinner layers. ![]() Grease and flour two or three 8 inch pans, depending on if you are doing a two layer or three layer cake. Leftovers keep well, tightly sealed in the fridge for up to a week and can be reheated at half power in the microwave.You won't need to make any other changes. To make this recipe gluten-free, swap in a 1:1 GF flour blend for the all-purpose flour.You can replace some of the milk with heavy cream or make the recipe as directed and then stir in ½ cup of warmed heavy cream before serving. It’s easy to increase the richness of this dish if you really want to go for it.(Good old-fashioned Corningware is the perfect tool for the job, both functionally and aesthetically.) Shortly before serving, microwave it on half power until heated through.Leftovers keep well, tightly sealed in the fridge for up to a week and can be reheated the same way. Complete the recipe anytime on the day you want to serve it, and transfer it to a microwave-safe serving container with a lid. You can make this recipe in advance if you like.This is harder when working with fresh spinach, but equally important. For mature leaves, give it two to three minutes and then test it, since they vary widely.When cool enough to handle, carefully wring out all the moisture that you can. For baby spinach, this will only take a minute. Then cook it in boiling, salted water until tender. You can include the tender parts of any stems. You can use either baby or mature spinach. If you want to use fresh spinach in this recipe, you’ll need to do some prep.When cool enough to handle, carefully wring out all the moisture that you can. For mature leaves, give it two to three minutes and then test it, since they vary widely. ![]() If you want to use fresh spinach in this recipe, you'll need to do some prep. If using chopped frozen spinach, all you need to do is cook it in the microwave (or on the stovetop, if you must) according to package directions, let it cool enough to handle, and then squeeze out and discard all the liquid. I'd recommend saving the fresh spinach for the many places where it really shines, like a gorgeous salad or a fabulous quick-cooking curry. It's already got the density that you're looking for, it's easy, and it tends to be a lot more affordable than its fresh counterpart. Why use frozen spinach for steakhouse creamed spinach? Can I use fresh?Ĭhopped frozen spinach is the ideal ingredient for this recipe for a few reasons. |
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