Q: Housing costs include the cost of your rent or mortgage, the price you pay for house or apartment insurance, property taxes, and housing association fees. If you are looking at getting a loan for a mortgage, you might need to use your proposed monthly housing expenses rather than your current expenses. Example: If you currently pay $700 in rent and an additional maintenance fee of $20, you need to start your debt calculations with that full $720. Any payments you make on a car, motorcycle, or other vehicle should be included in your debt calculations, as well as any insurance you pay on those vehicles. If you use public transportation, use any fees you pay to maintain your bus pass or an average amount of bus fare you pay on a monthly basis. Example: If you pay $120 on your car each month and pay an addition $90 on car insurance, you need to add the $210 you spend on transportation to the $720 you spend on housing, giving you debt of $930. Your minimum monthly payment for any credit cards you owe must also be added into your total monthly debt. Do not include credit card balances that you pay in full each month. Example: If you only pay a minimum monthly payment of $15 for one card and pay the rest of your credit card balances off in full each month, add that $15 to the existing $930, giving you a debt of $945. The amount of money you pay on a monthly basis for student loans, payday loans, investment loans, and other personal loans should be included in your debt calculations. Example: If, on top of the other forms of debt already mentioned, you are paying three student loan payments each averaging $80 a month, your loan payment debt is $240. Add this to your existing $945, giving you a debt of $1185. If you make these types of legal, personal payments to other people, add the cost of these payments to your debt. Example: If you have no alimony or child support, your debt will not increase or decrease due to these legal obligations. In addition to those costs already mentioned, you should also note any other debts or money you owe on a monthly basis. Understand that most personal and flexible costs, including those spent on food, childcare, clothing, and entertainment, do not count toward your monthly debt when calculating this ratio. Costs like payments made on past medical conditions can factor into your overall debt, however. Example: If you are presently making a payment of $115 per month on a past operation, add this amount to you current debt amount of $1185, giving you a total monthly debt of $1300.
A: Figure out your monthly housing costs. Factor in costs related to transportation. Include the cost of credit. Add in loan payments. Include alimony and child support, when applicable. Figure out any other monthly costs.

Q: People will keep coming if you have good events. Talk to your members about what kinds of activities they want to do, and plan for them. Vary your events -- some small and some big -- it's easy to get burned out when you're going from one big organizational challenge to the next. Make time for the group to get together and have some less-structured fun. Smaller events could be based more on bonding as a group rather than your larger mission, and could include: Making and eating a meal together A trip to the movies Rollerskating or ice skating A trip to the zoo Even though you might be the one to have started the group and continue to lead it, you can't do it all. Know when you need help, and ask for it. Be comfortable telling members the kinds of help that the club needs to do a task and having them sign up to assist. And when it stops being fun for you, think about letting someone else be in charge. If you're not sure the best way to delegate, check the website below for tips. Your group should be about the shared activities and events, not meetings and bureaucratic procedures. Make sure the group stays focused on the reasons they became a group and keep the organizational stuff to a minimum. Try to conduct as much of the bureaucratic necessities over email or Facebook beforehand, so the meetings can be reserved for discussions or activities.
A: Plan good events. Delegate. Keep it fun.

Q: Take semi-frozen steak and cut it thinly. Fry up onions and peppers and remove when ready, about 5 minutes. Start to cook the steak, chopping thoroughly with a sharp spatula when almost cooked. Mix your onions and peppers with your chopped steak. You have two options here about how to heat up your roll and/or cheez wiz: Option 1: Toast your hoagie roll and then smother the hot bread with cheez wiz. This will give the bread a nice crispiness, but the cheez wiz won't stay hot as long. Option 2: Warm your cheez wiz in the microwave. Pick up melted cheese with a spatula and deposit on the roll.
A: Follow the same general process to cook the meat. Line your hoagie roll with a generous portion of cheez wiz. Scoop steak and onions into roll coated with cheez wiz. Enjoy. Finished.

Q: Then, whip out a small game console, such as a DS, DSi, 3DS, DS Lite, PSP, PS Vita, the Wii U Gamepad, Nintendo Switch, or any other small device you may have. Make sure to keep the volume low if you're in a small house or your parents are just light sleepers. If you don't have a small game console, watch TV. If you can't watch TV, read a book. Do anything you can to try to stay awake! Use an iPod, MP3 Player, or another music device, with headphones. Wait for about an hour after your parents go to bed, to be safe. If you can, try to keep one ear free so you can hear your parents if they get up. If none are available, listen to it at a low volume. Be careful! Don't wake up your parent(s)! Make sure to have a plan if they wake up to check on you or something like that, like stuff everything under a pillow or your sheets. Observe how you sleep and try to look like how you "normally" sleep. Wait a couple of minutes till you take out your devices or music just in case they come back.
A:
Wait for your parents to go to bed. Listen to some music.