INPUT ARTICLE: Article: Most people have at least some form of debt, and the payments on this can eat up a large part of your budget. While you always have to pay your debts, you can prioritise them to ensure that you are getting the most for your money and not risking any extra charges. Start by working out which are priority debts, namely those which have the harshest penalties for missed payments. High priority debts include your mortgage or rent, income and other government taxes, utility bills and hire purchase agreements. Always meet the minimum payments for debts, and try to work towards paying off debts with the highest interest rates first. If you can pay off expensive debt, it will make it easier for you to save money in the long-term. If you're struggling with debt, you should think about any possible alterations you can make to your repayment schedules. If you are paying back more each month than you can afford, it might be possible for you to renegotiate the loan so you pay back less each time, but you are paying back for a longer. This may work out as more expensive as you will have more interest to pay off, but it can be a good option if you are unable to make your payments. Get some independent financial advice to discuss your possible options. Don't be tempted to take out another loan to help you pay off an existing loan. This can lead to a spiral of indebtedness that it is hard to get out of. Beware of companies offering to restructure your debt. There are reputable companies that do this, but it can be very expensive and increase rather than decrease your debt burden. Another way to take charge of your debts is to pay above the minimum rate. You may choose to do this if have some extra money and you want to take advantage of it to reduce your debt burden. This will be most beneficial if you are paying high interest rates and the minimum payments and not making an impact on your overall indebtedness. Always talk to your loan holder first, as some loan may prohibit you from paying above a certain rate. Often loans have early repayment penalties which may make it more expensive to pay off the loan ahead of schedule. Just paying back the minimum amount on a relatively modest credit card debt could mean it takes years to pay off. A good rule of thumb for getting to grips with your finances and moving towards financial independence is using savings to pay off your debt. This is normally the right thing to do financially because the amount you can earn on your savings is typically less than you are charged for your debt. Having ongoing debt repayments can make it very hard to break free and achieve financial independence. If you have assessed your situation and think a debt burden is a big barrier for you, consider using savings to pay it down and give yourself some financial breathing space.

SUMMARY: Prioritise your debts. Consider different repayment schedules. Pay back above the minimum rate. Use savings to pay debts.

INPUT ARTICLE: Article: Black is the ultimate classic color and the easiest to work with, and if you can wear it well, you can't go wrong. However, black doesn't suit everyone. For example, it can drain pale skin tones or it can simply make some people feel too somber and dour. However, this doesn't mean you should avoid little black dresses. If black doesn't suit you, be sure to keep the dress as far from your face as possible (such as using a plunging or deeply rounded neckline and straps instead of sleeves). That way, it won't drain the color from your face but you can still benefit from the elegance, simplicity, and backdrop of wearing black.

SUMMARY: Wear the dress rather than letting the dress wear you.

INPUT ARTICLE: Article: You don't have to bring the chicken up to room temperature if it's been frozen, but make sure it's not frozen solid. Place it in the refrigerator for several (6-8) hours before reheating it to slowly bring the temperature up. If you are going to reheat the chicken immediately, place the frozen chicken in a water-proof Ziploc bag and run cold water over it until it thaws. You can also thaw it in the microwave on the "Defrost" setting. This will prevent the chicken from drying out during the reheating process. Different ovens take different amounts of time to preheat, so make sure the oven is up to the right temperature before you insert the chicken for reheating. Once the oven has preheated, place the chicken in the oven. If the chicken has been cut into small pieces, it may take only a few minutes to reheat properly. If you are reheating large pieces, like whole breasts, you may have to wait longer. Use a meat thermometer to check the internal temperature and make sure you're not leaving the middle cold.

SUMMARY:
Defrost the chicken if it's frozen. Cut the chicken into small pieces. Preheat the oven to 425 to 475F (218 to 246C). Reheat the chicken to 165F (74C).