Problem: Write an article based on this summary: Borrow from a bank or use a credit card. Start saving Prevent emergencies. Talk to a credit counselor or financial adviser. Pay yourself back.

Answer: If you need a small loan to cover an unexpected expense, many banks and credit unions offer small personal loans that have much lower rates than payday loans. Likewise, you may be able to save a lot of money by using your credit card instead of taking a payday loan. Always read the fine print and make sure you understand exactly how much you will owe in interest, regardless of how you borrow. Sometimes bank loans are actually not more affordable than payday loans. Use all kinds of credit cautiously. You should never borrow more than you are capable of paying back, unless you have a true emergency. . Pay off the loan first, then set aside at least a little bit of money to make sure you never need to take out a loan again. Even $10 per week could be $520 in a year, but try to go beyond that if you can. Stick to a budget to make saving easier. Start with a blank piece of paper and write all your monthly income in one column. Write all your monthly expenses in a second column. The difference between your income and expenses is what you can put towards savings or discretionary purchases. Not all emergencies can be foreseen or avoided, of course, but a bit of planning can help protect your from financial ruin. Try to put off big purchases until you have plenty of money to pay for them. Keep your routine car maintenance up to date so that you're less likely to have to pay for major repairs. If you have a hard time managing your money or creating a budget for yourself, seeking professional help may help you to avoid having to take loans out in the future. There are many counseling agencies that will charge minimal fees, and some may not charge any fees at all. Search online for a credit counselor in your area, or call a credit counseling hotline. If you "borrow" against your savings to pay for an unexpected expense, increase your savings rate until it is paid back at least to its previous level.

Problem: Write an article based on this summary: Buy fresh milk. Use skim milk if you're new to frothing. Pour your milk into the carafe of your manual frother. Chill your carafe of milk.

Answer: Check the expiration date of milk when you buy it at the store. Choose milk that is farther from its expiration date. Older milk has more glycerol, a natural compound that makes it harder for frothed milk to hold its bubbles. Swap in skim for higher-fat milks as you learn how to froth milk. The chemical structure of skim milk is better at holding foam at room temperature. As a shortcut, you can use whatever type of milk you prefer for your drink and then spoon skim foam on top. Fill your carafe or another container (if your frother is electric rather than manual) so the milk only fills 1/3 of the volume. This will leave plenty of room for your milk to grow in size when you froth it. Place the carafe in the refrigerator to make the milk cold. This is especially important if you buy UHT milk, which is normally unrefrigerated. Dip a spoon into the milk after 30 minutes to test the temperature on your wrist. Remove the milk from the fridge when it is cold to the touch. You can froth steamed milk, but it will make less froth. It's best to froth the milk then heat it if you'd like your foam to be hot. There is not a particular temperature your milk needs to be chilled to.

Problem: Write an article based on this summary: Take cayenne pepper capsules. Take a cayenne tincture. Mix cayenne pepper powder with water. Mix tomato juice and cayenne powder. Make a cayenne morning drink.

Answer: Cayenne capsules are available at varying levels of concentration. Most supplements offer 400 600 milligrams of cayenne per pill. Talk to a trained medical professional to help decide which concentration is right for you, and use the capsules as directed. Cayenne capsules are a good option for people who can't handle the spicy taste of cayenne peppers or powder. A cayenne tincture is a special mixture of cayenne extract plus other ingredients like alcohol, water, coconut, or another natural extract. Shake the tincture bottle well before use. While specific directions for use vary, you can generally take one teaspoon of the tincture three times each day orally. Always use the tincture as directed. Add one teaspoon of cayenne pepper to half a cup of lukewarm water. Mix the solution with a spoon, fork, or straw. Drink the mixture daily to lower your blood pressure. If you wish to make a bigger batch of cayenne pepper water, you could adjust the proportions. For instance, you could add two teaspoons of cayenne pepper to one cup of water and mix the solution. If you wish to dilute the mixture, you could mix the cayenne pepper with one or two cups of water rather than just half a cup of water. Combine eight ounces of low-sodium tomato juice (or any other vegetable juice) with one teaspoon of cayenne. Stir the mixture well. Drink once daily. If you find the whole teaspoon adds too much spice, you could use a half or a quarter teaspoon instead; however, the reduction in your blood pressure might not be as noticeable or happen as quickly. If you wish to increase the impact of this mixture, you could drink it three times each day instead of just once each day. Mix a quarter cup of crushed or diced ginger, a quarter cup of lemon juice, a quarter cup of cranberry juice, one teaspoon of cayenne powder, and 3/4 cup of water. Shake in a closed water bottle with ice cubes or mix in a blender.

Problem: Write an article based on this summary: Exercise in your free time. Take a nap. Complete chores and errands. Do nothing.

Answer:
Regular physical activity is important for good health and longevity. Plus, engaging in exercise releases "feel-good" chemicals into the brain called endorphins, helping to lift your mood and clear your thinking. If you have a moment of alone time to spare, get your body moving. In addition to boosting your mood, exercise also enhances energy, fights disease, improves sleep quality, and helps you manage weight. Go for a walk/run with your dog. Hike through the local woods. Ride your bike to the farmer's market on weekends. Sometimes, you may be so over-engaged with those around you that you do not allow yourself time to properly rest. Napping too late in the day can interfere with your nighttime rest, but as long as you time it right, your nap can provide much needed energy and restoration. Just keep your naps to a short period of time (say, 20-30 minutes) and several hours before you were planning to go to bed at night. When you're not surrounded by family or friends, you may get a special opportunity to catch up on chores that need completing. If you are faced with long bouts of solitude, make a list of projects you have wanted to get done, and start moving through the list. This will make your periods of solitude productive and also help the time go by faster. Truth is, some people schedule activities and events for nearly every second of every day. This pursuit of "busyness" can make it seem as if you are being productive when, in reality, you are not. Some people believe downtime is a sign of weakness or not trying hard enough, so they aim to stay busy. Be mindful that downtime can be incredibly positive when it is used for self-soothing and restoring activities. However, if you are using your downtime for mindless activities or distractions, you could be adding to your stress rather than relieving it. Assess the things you do during alone time and see if they have a positive benefit or are simply distractions until you are around others again.