Problem: Article: Bad debt includes credit cards, personal loans, car loans or any other loan on which you pay an interest rate of more than 6.5 percent. This is the kind of debt that you run up by spending more than you earn. Once you save up a buffer in your checking account, you next priority should be to reduce bad debt. Plan to pay off debts with the highest interest rates first. Another option is to pay off the debts with the smallest balances first. This way you achieve goals of paying things off sooner. Student loans typically have low interest rates of below 6 percent. Unless the interest rates on your student loans are higher than 6 percent, there is no need to pay down this debt sooner. Continue making the minimum payments, and divert your other income into paying down higher-interest debt or into investments with a larger rate of return. Be aware that there are ways to get student loans forgiven. Certain jobs, such as those in education and public service, and programs like AmeriCorps, may allow you to have some or all of your loans forgiven. You must meet specific criteria to qualify for loan forgiveness. Your mortgage, if you have one, is not considered bad debt. Examine the statements for all of your credit cards, personal loans, auto loans. Total up the unpaid balances on everything. This is the total amount of debt you owe. For example, suppose you have a credit card with a $5,000 balance, a personal loan with a $7,000 balance and a car loan with a $15,000 balance. Your total bad debt is $27,000. Divide your total debt by your total gross annual income. This gives you an idea of how far into debt you have fallen. A debt to income ratio of more than 35 percent means you really need to focus on paying down your debt. For example, suppose you have $27,000 in debt and you earn $48,000 per year. Your debt to income ratio is 56 percent ($27,000/ $48,000 = 56.25). Focus on changing the behaviors that got you into debt in the first place. Recognize that accumulating too much debt means that you are living beyond your means. Even if you got into debt because of a job loss or an illness, you need to examine your spending habits and change your behavior. Creating a budget and reducing your expenses will help you to stop spending more than you earn. If you have a credit score of 700 or above, you may quality for a new credit card that offers a zero percent balance transfer to new customers. This would allow you to transfer some debt off of a high-interest credit card. The zero percent interest period typically lasts 12 months. So during this time period, all the money you pay on the credit card each month goes towards paying down your balance. If you have too much debt to qualify for a new credit card, look into getting a debt consolidation loan from a peer-to-peer lending network. Since there is no bank involved, you may be able to get a low interest rate. If you qualify, they may give you a personal loan with a fixed interest rate for three to five years. Examples of peer-to-peer lending networks include Prosper and Lending Club. If your credit isn't good enough to qualify for a new credit card or personal loan, then you may need to ask for some help. Credit counseling is working with a professional who can help you make a plan to get out of debt. Debt management is working with a third party who negotiates with your creditors to get you lower interest rates or payment amounts so you can pay down your debt. Contact the National Foundation for Credit Counseling. They have reputable credit counselors who can help you make a plan to get out of debt. Avoid debt management scams. Many disreputable companies will try to charge you expensive fees or make promises they can't keep. Never work with a company that charges upfront fees. Research debt management companies with the Better Business Bureau (BBB). Read the contract carefully so you fully understand how the company works.
Summary: Understand what bad debt is. Calculate your total bad debt. Determine your debt to income ratio. Change your lifestyle. Transfer high-interest balances. Consider peer-to-peer lending. Look into credit counseling or debt management.

Problem: Article: Chill the cream and milk in the refrigerator. Once they're cold, mix the 1 cup cream with 1/3 cup of milk. Pour the cream and milk into your chilled bowl and begin whipping until the mixture becomes frothy and soft peaks begin to form. Add the caster (superfine) sugar and the vanilla extract to the mixture. You can make a vanilla sugar that incorporates both of these ingredients and add that to the whipped cream instead. Whip the cream to distribute the vanilla and sugar. Continue whipping until the cream sticks to the coils of the whisk. When stiff peaks begin to form, stop and serve the cream immediately. Otherwise, you may refrigerate it for a short time until it's needed.
Summary: Prepare the dairy. Whip. Add the remaining ingredients. Keep whipping.

Problem: Article: Place it carefully in an empty tub. Check that the tub has no other product left in it. Mix until the cream is nearly gone, but a bit is still visible. Once again, blend these together. When it's ready to go, apply it to your face with your foundation brush, as you otherwise would. If you start mixing and find the shade isn't quite right, try altering the proportions of cream, eyeshadow, face powder, and foundation until you get the right combination.
Summary:
Get your foundation. Put 2 tablespoons of your usual hand cream into the tub. Put 1/2 a teaspoon of cream eyeshadow into the mixture. Blend all of the creams together. Get two pinches of powdered compact. Mix it all up. Finished.