How to Control Spending

A look at your bank statements and bills reveals that your money is slipping away like sand that slips through your fingers. What may have caused you to get into this predicament?

Adjustment. If you were living at home with your parents or relatives before, you may be new to the world of paying bills and sharing expenses. It takes time to adjust and develop method of handling money.

Weeds growing around the legs of a married couple — Like weeds in a garden, debt that is ignored will simply grow and grow

You can do the following to ease spending:

Resolve to cooperate. If you have a roommate or spouse instead of blaming each other, work as a team to bring spending under control. Decide at the outset that you will not allow this issue to drive a wedge between you.

Set up a budget. Write down all of your expenses, no matter how small, for a month. That will help you to figure out where your money is going and to identify any unnecessary expenditures.

Allocate funds each month for separate expenses (food, rent, fuel, and so forth). Some do this by putting cash in envelopes, one for each expense category. If an envelope becomes depleted, you can either stop spending in that category or transfer money from another envelope.

Rethink your view of possessions. Happiness does not depend on having the latest things.

And make necessary adjustment. Understanding and differentiating your needs from wants will go a long way to help.

The Lantern of the Photuris Firefly

THE lantern, or light organ, of a particular Photuris firefly is covered with jagged scales that dramatically enhance the brightness of the light that the insect produces. * Jagged scales Consider: Researchers have found that tiny scales on the lantern surface of some fireflies form a corrugated pattern, somewhat like overlapping shingles or tiles. The scales tilt up at one end by just 3 micrometers —less than one twentieth the thickness of a human hair. Yet this tiny tilt lets the lantern shine almost 50 percent more brightly than it would if the scales formed an even surface!

An Overview of Indonesia

Land Straddling the equator between Australia and continental Asia, Indonesia is the world’s largest archipelago. Most of its more than 17,500 islands feature rugged mountains and dense tropical forests. With more than 100 active volcanoes, it is also the most active volcanic region on earth.

PORTRAITS FROM THE PASTIgnaz Semmelweis

IGNAZ SEMMELWEIS may not be a household name, yet his work has benefited most modern families. Born in Buda (now Budapest), Hungary, he received his medical degree at the University of Vienna in 1844. On taking up his post as assistant to a professor at the First Maternity Clinic of Vienna’s General Hospital in 1846, Semmelweis faced an appalling reality —more than 13 percent of the women giving birth there died from a disease called childbed fever. Various theories as to the cause of this disease had been proposed, yet no one had solved the mystery. All attempts to reduce the mortality rate proved futile. Troubled by the spectacle of numerous mothers suffering a slow, agonizing death, Semmelweis determined to find the cause of the disease and prevent it.

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