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For each of the items listed, decide whether they are monthly, quarterly, or yearly, payments, then repeat the monthly amounts in all the columns that apply. For example, monthly payments will go in all 12 columns but quarterly in only in the four columns when payment is due. The next stage is for you to consider what other necessary expenditure will come out of your income every month. These other expenditure items probably do not show up as regular payments in the first stage, though individual payments may. These items may include food, household goods such as detergents, car maintenance, petrol (gasoline), and fares, which are essential to you, and you need to budget for each month.

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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