5 Effective Strategies for Managing Your Monthly Expenses

Gloucestercitynews.net (Nov. 25, 2019)–Do you struggle to maintain a budget every month?

Are you always hoping to save extra cash but end up spending it all?

If you\’re not careful, it can be easy to lose track of monthly expenses. The little things add up and suddenly you\’re over budget.

This article will teach you the best ways to keep a cushion in the bank each month.

1. Balance Your Wants and Needs

Before you can start saving money, you need to get real about the things you want vs the things you need.

Try adopting the

50/30/20 rule

where you spend 50% of your income on things you need, 30% on things you want, and 20% on savings.

Figure out how much you make in a month and cut it in half. That half should automatically be applied to things like rent, bills, groceries, and gas. Then take the remaining amount and spend 30% on things you want and put 20% in savings.

2. Eat at Home

It\’s easy to spend extra cash if you\’re always dining out.

Not only is the food more expensive, but you have to factor in a tip. Try making your meals at home for one month and see how much extra money you have.

This tip should also help you with your waistline, as you\’ll be the one in control of the ingredients.

3. Start a Calendar

Bills are due every month but not always on the same day.

Start a calendar so you can keep track of when different bills are due. This will keep anything from sneaking up on you and causing you to pay late fees.

It will also remind you when you have a particularly expensive week coming up that you need to monitor your spending closely.

4. Use a Budgeting Website

Human beings are fallible and it\’s easy to forget to write down a number or a bill payment.

Use a website for your budgeting that will send you automated reminders and keep track of what you\’re spending.

A website like

www.paystubs.ne

t is run by professional accountants who will generate pay stubs for you.

5. Discover Your Weaknesses

Everybody has different weaknesses when it comes to spending money.

Some will blow too much on new shoes, while others will spend hundreds to attend numerous sporting events.

It\’s important you identify your money spending weaknesses so you can curb them. You don\’t need to deprive yourself completely, but rather cut back and use your favorite treats as rewards for saving.

Follow These Tips to Monitor Your Monthly Expenses

Being careful with your monthly expenses will pay off.

If you become aware of how much you\’re spending and save more, in just a few months you could have enough to buy something you never thought you could have.

Did you enjoy this article and want to learn more helpful lifestyle tips and tricks? Then bookmark this page and come back often for updated content!

It’s Not Merely Flesh and Bones

Gloucestercitynews.net (Nov. 25, 2019)–All human beings are just a diaspora of the nine months confinement, which was regularly fed with love. That very love takes you further on in life, which some of us leave behind, to find momentary joy. Love is the only factor that keeps the world from collapsing all at once, but that love continues being redefined with every new relationship one builds in this wonderful journey called life. Love, these days, has been reduced to just a term and the true essence of this beautiful feeling seems lost on us. Also, the crimes that are being committed in the name of love are countless. The pleasure of groping a fellow being cannot be justified on any grounds. While some do it in the name of love, the others do it out of sheer lust.

The gratification of each person’s sexual urges is necessary; there is no denial of that fact. But that has to happen with consent. The point where a consensual feeling of the need to gratify that urge kindles within, is only when that step should be taken, which is nurtured with the right amount of genuine love for your partner. Where do things go wrong, then? It is when lust takes the place of love, where even the definition of lust takes a rampant turn. The word assault means any action that violates or harms the other person’s feelings when it is done without consent. No woman is sensual. They are only beautiful, with the hearts that they own that beats within them, which can never be scarred by the physical injuries that anyone inflicts on them. In today’s scenario, an assault has become a very familiar term, not just through the blogs you read and podcasts you hear but also through the repugnant encounters one has.

What is sexual assault?

Sexual assault is:

A non-consensual grabbing, fumbling or touching of a private part of another person’s body.

Coercing a person to get involved in sexual acts, which could be oral sex or non-consensual penetration.

A person sexually exploiting you, when under the influence of drugs; could be in parties, pubs or any such occasions (drug-facilitated assault).

Abusing and involving kids in certain sexual acts where these kids are incapacitated or are not in a position to comprehend the devilry of the act.

The world now is in the clutches of a demon that is infusing it with the most dreadful qualities which are taking the world on a regressive roll to the pit of human annihilation.

What do you see when you open the newspapers and media platforms nowadays? Is it love, or is it hatred? It is pure evil in disguise, that lures you into oblivion.

Popular myths about sexual assaults

Sexual assault could also be when a spouse tries to sexually impose specific actions on the partner, which, as some may not know, also requires consent. Being a legal partner does not give a person the right to force their urge for their partner.

People come across such situations at the workplace, in public transport, in relationships, and the list goes on.

Toddlers wearing diapers get sexually assaulted these days. Where do you think the world is going? Multiple cases are reported every day of child sexual abuse, and how does this all culminate? Children, at an age where they aren’t able to fathom the difference between a fumbling touch and a lovely stroke, are made to do obscene acts, which can later even lead to the loss of a valuable life.

One of the biggest myths of the topic of sexual assault is that it is believed to be endured only by women, but that’s not true. Men equally face such assaults, be it from the opposite gender or also ones from the same.

Get back up from the bottom

Dealing with the mental trauma that follows such acts takes a lot of courage and constant support from peers, colleagues, and families. This keeps in happening families too; father molesting his daughter, brothers abusing sisters, and many more such cases still lay unsolved without receiving the deserved justice. People finding difficulty in dealing with such situations can contact

Nehora Law Firm

Conclusion:

Such situations could be a completely baffling experience for people, not knowing what step to be taken next to resolve it legally. Always go to the most reliable people around you and when it is that same person who assaulted you, a piece of advice alone cannot help, but each individual needs to develop the strength and courage to fight it by seeking the help of the law of your country.

With a lot of helpline numbers, organizations and websites to guide you through the bewilderment and trauma that you are facing, keep the confidence intact as you are not alone in this. The whole world would stand with you to augment the will power that you already possess, which cannot be destroyed by any filthy hands.

Two Pedestrians Injured Crossing Cross Key Road

WINSLOW TOWNSHIP (Nov. 25, 2019)–In the Sicklerville section of Winslow Township, two adult pedestrians were crossing Cross Keys Road at the

intersection of Wilby Road and were struck by a vehicle traveling Northbound

on Cross Keys Road.

The two pedestrians were transported to Cooper Hospital via helicopters for serious injuries.

The driver of the vehicle and occupants were not injured.

Names are being withheld until families are notified.

Case is being investigated by the Winslow Township Highway Safety Unit.

If anyone witnessed the crash, please contact Ptlm. Harry Pizzico 609-567-0700 extension 1198.

Voorhees Man Charged with Pos. of Child Porn

Peter Schad, 65, of Voorhees, was charged with Possession of Child Pornography according to Acting Camden County Prosecutor Jill S. Mayer and Voorhees Police Chief Louis Bordi.

On November 25, 2019, detectives from the High-Tech Crimes Unit (HTCU) of the Camden County Prosecutor’s Office and Members of Homeland Security Investigations (HSI) – Cherry Hill Office executed a search warrant for Peter Schad’s residence on the 200 block of William Feather Drive. Authorities located numerous digital devices in the home that were taken to the Camden County Prosecutor’s Office’s HTCU Forensic Lab to be analyzed.

Peter Schad was transported to the Voorhees Police Department where he was processed and released pending further court proceedings.

The Voorhees Police Department, Lower Camden County Emergency Response Team and a Federal Bureau of Investigation (FBI) Electronic Storage Detection K9 dog assisted the Camden County Prosecutor’s Office HTCU Detectives and HSI Cherry Hill on this case.

The investigation is ongoing.

All persons charged with crimes are presumed innocent until proven guilty in a court of law.

One Florida Lottery Player Wins $1,000 a Week for Life

Thousands of New Jersey Players Win Prizes

TRENTON (Nov. 25, 2019) – One Florida Lottery CASH4LIFE ticket matched the five white balls drawn for the Saturday, Nov. 23, drawing winning the $1,000 a week for life second prize. Moreover,

7,966 other players won $41,938 in cash prizes ranging from $2 to $500 with 1,576 of those tickets doubling their prize with DOUBLER. The winning numbers were: 14, 15, 22, 35 and 41. The Cash Ball was: 04.

The DOUBLER add-on feature doubles the $2,500 third-tier prize to $5,000 when added to a game play for an additional $1 per play. It also doubles all of the other tier prizes. The $1,000 a day for life and $1,000 a week for life prizes are not doubled.

CASH4LIFE offers two jackpot prizes for the $2.00 ticket price. The top prize is $1,000 a day for life, with a current cash value of $7,000,000, and the second prize is $1,000 a week for life, with a cash value of $1,000,000. In addition to the “for Life” prizes, the CASH4LIFE game offers seven other prize levels with prizes of: $2,500, $500, $100, $25, $10, $4, and $2. Now, DOUBLER provides players with the opportunity to double all non – “for Life” CASH4LIFE prizes by adding the feature to their ticket for an additional $1 per play, per draw.

CASH4LIFE tickets are now available in: Florida, Georgia, Indiana, Maryland, New Jersey, New York, Pennsylvania, Tennessee, and Virginia. Players select five numbers from a field of one through 60, and then select a “Cash Ball” from a field of one through four. Drawings are held every day at approximately 9:00 p.m.

Pope Honors 10 for Exceptional Service to the Church of Philadelphia

The Archdiocese of Philadelphia is proud to announce that Pope Francis has bestowed Papal Honors upon 10 individuals for their exceptional service to the Catholic Church. One individual will receive the Benemerenti Medal; four will receive the

Cross Pro Ecclesia et Pontifice

(Cross for the Church and Pontiff); three have been named Dame/Knight in the pontifical Order of Saint Gregory the Great; and two have been named Dame/Knight Commander in

the same Order.

The honors will be conferred by Archbishop Charles J. Chaput, O.F.M. Cap. at an evening Vespers service:

Monday, December 9, 2019

6:00 p.m.

Chapel of the Cathedral Basilica of Saints Peter and Paul

18th Street and the Benjamin Franklin Parkway

Philadelphia, PA 19103

ackground Regarding the Benemerenti Medal

The Benemerenti Medal was established by Pope Pius VI in the last quarter of the 18th century as a military honor for outstanding service to the Holy See. The medal was later extended to worthy members of the clergy and civilian laity. It can be granted to persons as young as 35, and its reception is open to Catholics as well as members of other faith traditions.

Mr. Christopher J. Stefanick

Mr. Stefanick began his career as a highly regarded youth and young adult minister working at the parish level before assuming larger responsibilities at the diocesan level. He later founded and continues to lead successful evangelization efforts on a national scale. His work forming the character and leadership skills of Catholic men has been exceptional. He has provided outstanding counsel for many years to various bishops throughout the country, including Archbishop Chaput, and to several committees of the United States Conference of Catholic Bishops.

Background Regarding the

Cross Pro Ecclesia et Pontifice

The Cross

Pro Ecclesia et Pontifice,

or Cross of Honor, was established in 1888 by Pope Leo XIII. It is awarded to Catholics aged 45 and above who have shown long and distinguished service to the Church and to the Papal office.

Reverend Philip G. Bochanski

Father Bochanski, a priest of the Archdiocese of Philadelphia for more than 20 years, has spent the last decade counseling and supporting persons who experience same-sex attraction. He has worked tirelessly, with compassion and great sensitivity, to advance Church teaching on human sexuality, and gained national respect for the Courage apostolate in the process. Starting as a local chaplain for Courage International, he later advanced to National Associate Director, and now serves as the National Executive Director.

Mrs. Helen Mc Connell

For three decades, Mrs. McConnell has cared for the priests of the Archdiocese of Philadelphia as a registered nurse, Administrator of Villa Saint Joseph, and Director of Priest Retirement Services. In addition to her administrative duties on site at the Villa she frequently travels to care for priests living independently, in parish rectories, assisted living facilities, and nursing homes. Her career in service to the Church has been one of extraordinary compassion and care for those men who have given their lives to a priestly vocation for the benefit of others.

Dr. Phillip J. Miraglia

Dr. Miraglia, a distinguished clinical counseling psychologist, began his professional association with the Archdiocese in the mid-1970s. At that time, he worked as a counselor for Catholic Social Services. Over the last four decades, he has served the needs of clergy, religious men and women, and seminarians with exceptional dedication and discretion. As a psychologist consultant and collaborator, Dr. Miraglia’s counsel— on some of the most difficult and sensitive issues faced by the Catholic Church — has been generous, wise, and honest. His career has been an invaluable gift to the Church.

Mrs. Louise M. Sullivan

Mrs. Sullivan has served the Archdiocese of Philadelphia in various capacities for more than 30 years. In the early 1990s, she was part of the leadership team responsible for Archdiocesan nursing homes. During that time, she worked on numerous projects aimed at ensuring the highest quality of life for the aging. Since 2005, she has served as Office Manager for the Archdiocesan Vicar for Clergy. In addition to her critical administrative service for this secretariat, she assists with on-going formation programs, retreats, workshops, and continuing education programs for the priests and deacons of the Archdiocese.

Background Regarding the Order of Saint Gregory the Great

The Order of Saint Gregory the Great, one of the five pontifical knightly orders, was founded by Pope Gregory XVI in 1831 to honor his great sixth century predecessor. Over the course of nearly two centuries, it has been awarded to philanthropists, diplomats, military and business leaders, artists, scientists, and interfaith leaders who have shown, by their service, extraordinary love for Jesus Christ and his Church. With the exception of Catholic heads of state, diplomats assigned to Vatican City State, and others of international standing, the Order of St. Gregory the Great is the highest honor granted by the Holy Father to laypersons.

Dame/Knight in the Order of Saint Gregory the Great

Mrs. Jacqueline J. Delaney

Mrs. Delaney has embodied a lifelong, active commitment to the mission of the Church. She has served on numerous Catholic-related boards and committees, and is the first woman named chair of the Board of Directors for the Malvern Retreat House. Over the last decade, Mrs. Delaney has also served as the chair of the Archbishop’s Benefit for Children, raising funds vital for youth programs administered by Catholic Social Services of the Archdiocese.

Mr. James Delaney

Mr. Delaney has more than 40 years of business leadership in the health care and financial industries. He has served on numerous boards and foundations including the National Advisory Council of the U.S. bishops, the National Advisory Board of the Church Leadership Institute, the National Catholic Community Foundation, the Catholic Philopatrian Literary Institute, and Catholic Athletes for Christ. He is also the former Chairman of the Board at Neumann University, in addition to serving as Treasurer and Chair of the Finance and Audit Committee for the Saint Charles Borromeo Seminary Board of Trustees.

Miss Kerry F. Kober

Miss Kober has provided superior and irreplaceable executive assistance to Archbishop Charles J. Chaput, O.F.M. Cap for more than 25 years. She has supported his episcopal ministry in Rapid City, Denver, and Philadelphia with exceptional discretion and diligence on a wide range of sensitive Church matters. Her commitment to Jesus Christ and to the work of the Church makes her a powerful Christian witness.

Dame Commander/Knight Commander in the Order of Saint Gregory the Great

Mrs. Suann T. Maier

Mrs. Maier’s distinguished teaching career — in Catholic schools in New York, Los Angeles, and Denver — spanned more than four decades. As a mother and grandmother of children with disabilities, she has been a counselor, coach, grassroots organizer, volunteer, and leader in prolife and special needs organizations for 45 years. In addition to her parish volunteer work over the decades, Mrs. Maier founded 14 prolife centers and 21 prolife hot lines for women with problem pregnancies, and has served in leadership and on boards for various Catholic women’s organizations.

Mr. Francis X. Maier

Mr. Maier has a career spanning 41 years in Catholic journalism and senior diocesan service, including 23 years as senior advisor and special assistant to Archbishop Chaput in Denver and Philadelphia. Over the decades he has written, spoken, and mentored extensively on Church matters, served as a youth minister and catechist, and been active in Catholic men’s groups and prolife advocacy. In 2005, Mr. Maier and his wife Suann, were named Knight and Dame in the Order of Saint Gregory the Great by Saint John Paul II.

The Irish Tenors to Coming to Collingswood

Ronan Tynan, Anthony Kearns and Declan Kelly

Presented by the Camden County Board of Freeholders in association with BRE and the Borough of Collingswood, the Scottish Rite Auditorium welcomes The Irish Tenors: Ronan Tynan, Anthony Kearns and Declan Kelly on Friday, December 13. Doors open at 7 PM ,showtime at 8 PM.

The Irish Tenors

Ronan Tynan, Anthony Kearns and Declan Kelly

We Three Kings: An Irish Tenors Christmas

The Irish Tenors have been the acknowledged Celtic music kings since they burst upon the scene during a 1998 PBS special. With 10 best selling CDs to their credit, they share company with the likes of The Three Tenors and Andrea Bocelli as the biggest money makers PBS has presented.

The Irish Tenors rekindled the love of all things Irish in America, and opened the door for countless Irish music groups to hit the United States.

But The Irish Tenors cannot be duplicated; The Irish Tenors are the real deal! They have stood the test of time; audiences of all ages love The Irish Tenors and clamor to get tickets wherever they perform. Full houses and standing ovations are the norm for The Irish Tenors.

Tickets are $89, $75, $59.50, $39.50

Tickets Available from:

www.ticketmaster.com

or by phone at 1-800-745-3000

Camden County Store at Voorhees Town Center (Echelon Mall), 1 Echelon Road, Voorhees, NJ 08043 (856) 566- 2920

Friday, Dec 13th, 2019 @ 8:00 pm

JEROME BY DAVE WOLFE

ARTIST Dave Wolfe

Vol. 6 No. 23 (November 24, 2019)

Editor\’s Note: Each Sunday morning we post a weekly comic strip provided by cartoonist Dave Wolfe. Dave has been drawing since he was 5 years old, he knew he wanted to be a cartoonist at the age of 8. He’s been distributing his comics in school since 3rd grade. (click image to enlarge)

CNB Hunting/Fishing NJ: Rainbow Trout Stocking This Week

This coming Monday and Tuesday, Nov. 25 and 26, approximately 4,800 two-year old Rainbow Trout averaging 14-18 inches will be stocked in 20 ponds and lakes across the state. There are no closures so these large fish are immediately available. Don\’t miss out on the last trout stocking of 2019!

Trout Stocking Schedule

Stocking Map

Winter Trout Fishing in NJ

Trout Fishing Access

Trout Regulations

(pdf)

Get out and enjoy uncrowded waters, great fall weather and plenty of large trout!

Man Charged with Running Meth Lab in Edgewater Park Garage

EDGEWATER PARK —

Burlington County Prosecutor Scott Coffina and Edgewater Park Township Police Chief Robert D. Hess announced that a Beverly City man who was arrested earlier this week on narcotics offenses has been charged with operating a methamphetamine lab in a township home.

Daniel Lilly, 27, was charged with Maintaining or Operating a Controlled Dangerous Substance Production Facility (First Degree). He remains in Burlington County Jail in Mount Holly pending an appearance in Superior Court. The charges against him will be presented to a grand jury for possible indictment.

The charges stem from an investigation that originated after Lilly and an acquaintance, Tammy Coppoletta, 35, of Lindenwold, were stopped by Florence Township police on November 16 for a motor vehicle violation.

Lilly and Coppoletta, who was driving the car, were both found to be in possession of controlled dangerous substances and were charged. Additional charges were filed after a search of the vehicle by Florence Police Officer Nicholas Czepiel and K-9 Bolo revealed materials that are used to manufacture methamphetamine.

The Burlington County Hazardous Materials Unit was called to the scene and safely contained the chemicals.

On November 19, 2019, a search warrant was executed at a Colonial Road residence in Edgewater Park that resulted in the seizure of chemicals and equipment from the garage area that were being used by Lilly for methamphetamine production.

The investigation was conducted by the BCPO Gang, Gun and Narcotics Task Force, the New Jersey State Police, the Florence Township Police Department and the Edgewater Park Township Police Department.

All persons are considered innocent until proven guilty in a court of law.