INPUT ARTICLE: Article: One of your loans will have a higher rate of interest than the others. You should pay the minimum balance on all your loans, except for this one. Invest all of the money you have saved for paying down your loans to attacking the loan with the highest rate of interest. Paying it down first will cut your monthly interest obligations and allow you to pay down your principal more quickly. If you have managed to save more for the month than you planned, invest it in paying down the highest interest loan. Do the same if you earned more than expected because, for example, you sold a household item or earned a bonus at work. Some experts recommend paying off the smallest loan first, rather than the loan with the highest interest. This fosters a sense of progress and encourages you in your debt repayment effort. Behaviorally, this actually can result in paying off debt more quickly. Some studies find that this method is more effective. However, you will pay more in interest and extend the length of your repayment as long as the highest interest loan is outstanding. As you pay off your cards, your monthly interest charges will decrease. It might be tempting to loosen your belt and expand your discretionary spending. Instead, you should look at it as an opportunity to pay off your debt quicker. If you keep to the amount you initially allotted for debt repayment, you will pay off your debt faster each month. If you are forced to take out any loans, take out loans on items that accrue value. Mortgages and student loans are considered the best type of debt, because homes typically retain or even increase value, and your labor will become more valuable after receiving an education. Credit card debt on the other hand is bad. Car loans are also bad debt, because a car will depreciate rapidly, meaning that the value of the car will quickly be less than that of the loan. Spend as little as possible on a car.

SUMMARY: Pay down the loan with the highest rate of interest. Reinvest your savings. Stick to good debt.

INPUT ARTICLE: Article: Store them in a tin or other airtight container, where they will keep for up to a month.

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Mix the confectioner's sugar, lemon juice and cream in a bowl with a whisk until all of the sugar lumps have dissolved. Spread a thin layer of icing on top of each cookie using a butter knife or cheese spreader. Allow the cookies and the icing to cool completely before you remove the cookies from the racks.