context: How to negotiate with creditors
Create a budget before you determine what you are able to pay your creditors.
You need to be able to pay your current bills to avoid acquiring more debt. Start by recording and adding up all of your expenditures for a month.

OPTIONS:
- This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.
- Pay off as many equity as possible with one lump sum of the total amount you earned in three months. Then, put the amount you are able to pay down on your new mortgage on your current mortgage.
- This will include fixed expenses that will eventually be fixed, such as rent. Estimate how much money you expect to accumulate each month.
- At this point, budget your entire savings and discretionary spending to fill out a statement requiring the one to pay their debts. Depending on your 401 (k) (or account) plan, you may want to gather a series of expenses in addition to your saving expenses.
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next sentence for the context: This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.

context: How to end feelings of shame when you have ocd
Identify feelings of shame.
Shame can occur when you feel you are unworthy, unlovable, or lesser-than others. Shame can make you feel like you don't deserve love, prosperity, or happiness because there is something fundamentally " wrong " with you.

OPTIONS:
- In order to stop feeling shame, determine the feelings you have and identify what this is. For example, sometimes shame causes you to feel inadequate in any way (e.g., you tell yourself you want to be amazing, but you don't.
- Try to identify these feelings using information you get from your past. You can say out loud, " i feel ashamed every time i compare myself to others.
- Shame can make you feel alone and cause you to isolate yourself. However, the less you talk about shame, the more power it can have over your life.
- Chances are you feel anger, disgust, or rejection because you don't deserve love and happiness. There are a number of symptoms of shame that can be helpful as a diagnostic tool for finding a person with ocd.
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next sentence for the context: Shame can make you feel alone and cause you to isolate yourself. However, the less you talk about shame, the more power it can have over your life.

context: How to get professional teeth cleaning for your dog
Make an appointment with your vet.
In order to get your dog's teeth professionally cleaned, you will need to make an appointment with your vet. Call your vet's office and ask to schedule an appointment for a professional cleaning of your dog's teeth.

OPTIONS:
- They will determine if you want to do this at home or if they will make a trip to the vet. It's best to schedule an appointment with your vet, rather than trying to do this at your own home.
- Don't give your pet food for at least eight hours before the appointment. Since your dog will be undergoing anesthesia, you should not feed your dog for at least eight hours before visiting the vet.
- You can also look in your local newspaper or check your local classified ads for local shops that sell professional dental cleaning services. Decide if you want to see a dental professional.
- If possible, ask the vet for a recommendation as to which brand of mouth cleanser will best target your dog's needs. Consult with your vet before a appointment so that they can refer you to someone who has experience treating canine tooth problems.
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next sentence for the context: Don't give your pet food for at least eight hours before the appointment. Since your dog will be undergoing anesthesia, you should not feed your dog for at least eight hours before visiting the vet.

context: How to sign a yearbook
Consider whose book you're signing.
Are they a good friend, a best friend, or just someone you've seen around in the halls? Write your message accordingly. Be honest but nice.

OPTIONS:
- Only sign a yearbook if it tells you it is a book. If it states it is a copy (" instant copy only "), it's not a copy and may be outright bad for you to sign.
- For friends, write an inside joke or a memory you have together. You can also write a sweet message like " dear alexis, i had an awesome time getting to know you this year, you're a great person and an amazing friend.
- Before you sign your yearbook, ask your friends whether they know of anyone who can sign. If they don't, that may be a good sign.
- List in advance of the registration date. It's best to go off on a fun note by writing out " book time " about an hour in advance and paying for the notebook if you've exhausted that amount of time to sign your name.
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next sentence for the context:
For friends, write an inside joke or a memory you have together. You can also write a sweet message like " dear alexis, i had an awesome time getting to know you this year, you're a great person and an amazing friend.