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Going over what you have spent over the last quarter will cover most if not all of your regular payments. However, it is important to think about whether you have any quarterly, annual, or new commitments that may not have shown up in your previous search. This part of the process in making your budget should give you a list that includes utilities (eg water, electricity, gas and telephone), insurance payments, mortgage and loan repayments, and credit card payments.

Nearly every strength and conditioning coach in the country relies on percentages to enforce desired intensities to athletes for certain lifts. Basically, the client would perform their lift at a percentage of their 1 repetition max. If they had a max bench press of 100lbs, and you wanted to do 3 sets of 12 reps at 60%, they would do 3x12 at 60lbs. This is absolutely necessary in most strength and conditioning environments for multiple reasons, including consistent program design as well as enforcement of intensity (speaking from experience, some people WILL slack if given the chance). So the question becomes, are percentages right for you?

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