Write an article based on this "Track your income and expenses Create a budget and stick to it Pay down your debt. Save some money. Delay major expenditures."
article: . It is important to get a solid understanding of how much money you have and how much you are spending. This will come in handy when you put together a budget. It will also help you avoid any nasty surprises like overdrafts or identity theft. You'll need to look at how much you earn each month and then subtract all of your expenses, such as rent/mortgage, utility bills, groceries, etc. Use this to calculate how much money you spend in a month and what your expenses are. Try creating a spreadsheet in Microsoft Excel and enter your income and spending history. You can make categories of your different expenses so you can sort, analyze, and prioritize your spending. Categories may include: housing, utilities, household expenses, groceries, health care, pets, personal expenses, entertainment, and so on. Look at your bank and credit card statements each month to make sure you have enough money. Make sure you look at the individual transactions on your credit card statement and categorize those transactions in the spreadsheet. Further sort your expenses by noting which are fixed versus variable and which expenses are necessary and which are discretionary. . Try to limit your living expenses to less than 65% of your income. This includes housing, utilities, transportation costs and groceries. The remaining income should go towards your savings, paying down debts, and discretionary spending. Sticking to a budget can be tight when your income is tight. Prioritize your needs and find a solution that works best for you. Although it may be difficult when money is tight, paying off your debts will eventually free up some extra money. Interest and late fees can build up and take an increasingly larger portion of your income. If money is tight, pay small incremental amounts towards your debt. However, if you have a little more income, try paying off larger chunks. Maintain good credit by paying bills on time. Try reducing your interest rate. Some credit card companies may work with you to get you a lower interest rate. Consider selling off unnecessary assets to pay off debt. You may also want to consider refinancing your home, consolidating credit cards for lower payments, asking for forbearance for a time until economics improve, etc. Because a recession can cause significant economic instability, it is important to save up some money. You may lose your job, face a pay cut, or find external sources of income limited because of the recession. Therefore, it is necessary to have some resources available to get you through these tough times. Ideally, you would have been saving money all along. However, it is better to start late than never. Make paying off your debts a priority and then begin saving. Open a savings account and try to put 20% of your monthly income into it. A recession may not be the best time to begin a new expensive project. Home renovations or a big vacation may have to wait until the economy has recovered a bit and you have a more stable income. Remember that recessions do not last forever and a recovery is around the corner.

Write an article based on this "Blot as much oil as possible from the item. Check the garment care tag. Apply powder to the stain and let it sit for 30 minutes. Scrub the stain with soap and water. Wash the garment by itself. Air dry the garment if the stain remains. Remove a stubborn stain with hairspray or WD-40."
article: As soon as the spill occurs, use paper towels to blot up as much oil as possible from the garment. Don't rub the fabric, which would cause the oil to spread. Before treating the stain, read the care tag on the item. If the item is dry clean only, take it to the cleaners as soon as possible. Otherwise, find out if the garment can be laundered normally or if it needs to be hand washed and laid flat or hung up to dry. Take note of the temperature requirements as well as adjust your stain-removing strategy as needed. For instance, if your item says to wash in cold water only, use cold water rather than hot in the following steps. You can use baby powder, baking soda, talcum powder, cornstarch, or waterless mechanic's soap to further remove the oil from the fabric. Sprinkle the powder over the oil and let it sit for 30 minutes to absorb as much oil as possible. Then, use a spoon to scrape the oil and powder off the garment. Alternatively, you could rub plain white chalk over the spot to absorb the oil. Rinse the item with hot water, then apply a few drops of regular dish soap to the stain. Scrub the soap into the fabric with a toothbrush, then rinse it with hot water. The dish soap can be clear or colored, just make sure it doesn't have added moisturizers. As an alternative to dish soap, you could use shampoo, laundry soap, or aloe vera gel instead. As long as your garment is machine washable, you can pop it in the washing machine and launder it as usual. Follow the instructions on the care tag to determine the hottest water temperature the fabric can take. If the item is delicate, hand wash it. If your fabric is delicate, use a gentle detergent. Before putting the garment in the dryer, check to see if the stain is gone. You may need to let the item air dry so you can inspect the fabric when it's dry. If you put the item in the dryer and the stain isn't gone, the heat will set it into the fabric. Be sure to air dry any delicate fabrics rather than putting them in the dryer. If you let the item air dry and still notice a stain, or if the stain is older and has set in, you can still remove it from your clothing. Spritz hairspray or WD-40 onto the stained fabric. Let it sit for 20 minutes, then launder the item as usual. Although WD-40 is an oil, it works by "reactivating" set-in stains so they can be easily removed by laundering. Don't use WD-40 on delicate fabrics.

Write an article based on this "Utilize uneven ground. Stand on a curb. Stand on rocks or tree stumps."
article:
If you are standing somewhere where the ground is uneven, stand on the higher ground. This should help you get more on their level. If you are outside near a parking lot or empty street, try standing on the curb to increase your height. This will also prevent your significant other from having to bend down a lot to get to your level. If you are walking around in the woods or someone's backyard, you can stand on a rock or tree stump to increase your height. Avoid wearing heels or uncomfortable shoes if you plan to do this. Be careful and don't slip or fall.