Whois & Analysis for mvelopes.com

A personal budget or home budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment.

Past spending and personal debt are considered when creating a personal budget.

There are several methods and tools available for creating, using and adjusting a personal budget.

For example, jobs are an income source, while bills and rent payments are expenses.

A debt generally refers to money owed by one party, the borrower or debtor, to a second party, the lender or creditor.

The borrower or debtor may be a sovereign state or country, local government, company, or an individual.

The lender or creditor may be a bank, credit card company, payday loan provider, or an individual.

Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.

The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value.

For example, in Western cultures, a person who has been helped by a second person is sometimes said to owe a "debt of gratitude" to the second person.

Finance is a field that deals with the study of investments.

It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk.

Finance can also be defined as the science of money management.

Finance aims to price assets based on their risk level and their expected rate of return.

Finance can be broken into three different sub-categories: public finance, corporate finance and personal finance.

Physiological or biological stress is an organism's response to a stressor such as an environmental condition.

Stress is the body's method of reacting to a .

Stimuli that alter an organism's environment are responded to by multiple systems in the body.

The autonomic nervous system and hypothalamic-pituitary-adrenal (HPA) axis are two major systems that respond to stress.

The sympathoadrenal medullary (SAM) axis may activate the fight or flight response through the sympathetic nervous system, which dedicates energy to more relevant bodily systems to acute adaption to stress, while the parasympathetic nervous system returns the body to homeostasis.

The second major physiological stress, the HPA axis regulates the release of cortisol, which influences many bodily functions such as metabolic, psychological and immunological functions.

The SAM and HPA axes are regulated by a wide variety of brain regions, including the limbic system, prefrontal cortex, amygdala, hypothalamus, and stria terminalis.

Through these mechanisms, stress can alter memory functions, reward, immune function, metabolism and susceptibility to diseases.

Definitions of stress differ; however, one system proposed by Elliot and Eisdorfer suggests five types of stress.

The five types of stress are labeled "acute time limited stressors", "brief naturalistic stressors", "stressful event sequence", "chronic stressors", and "distant stressors".

Saving is income not spent, or deferred consumption.

Methods of saving include putting money aside in, for example, a deposit account, a pension account, an investment fund, or as cash.

Saving also involves reducing expenditures, such as recurring costs.

In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is a lot higher; in economics more broadly, it refers to any income not used for immediate consumption.