Article: The exact nature of your recovery plan will have to remedy the problem that got you into the financial crisis in the first place. Put simply, you will have to reduce debt if you have it and earn more income to replace your lost assets and financial security. This may mean getting a new job, getting another job, cutting your expenses, applying for government assistance, or seeking debt forgiveness. For example, if your financial crisis was caused by a divorce, you will have to find income to replace the joint income you had in marriage. The simplest way to dig yourself out of debt and live sustainably off of your income is to reduce expenses and increase your income. Other options, like bankruptcy, while necessary in some cases, can also ruin your credit and cause a large amount of hassle. Fixed expenses refer to expenses that do not vary between months. Discretionary expenses refer to expenses that are not essential and vary from month to month. Knowing the difference is important, since reducing discretionary expenses can be much simpler than reducing fixed ones. Your fixed monthly expenses are those bills and other costs that must be paid regularly so that your basic needs are met. Fixed monthly expenses include rent, mortgage payments, utilities, education, insurance, food, and transportation. Other fixed monthly expenses include any debt or other payment obligations. Variable or discretionary expenses include anything that you don't need to spend to survive, like eating out at restaurants, gym memberships, entertainment, and clothing. The first place to start with reducing expenses is with your variable expenses. These are you wants, as opposed to your needs, and cutting them can free up significant room in your budget for debt repayments. Ensure that your not confusing your wants with your needs. For example, a cell phone may be a need, but a 3GB data plan with cell phone is almost certainly a want. Decide now that you won't go out to eat at a restaurant until your situation changes (for example, when you get a new job). This can save you a large amount on food costs. Watch for small purchases that add up, like buying coffee everyday. Eliminating these can save significant amounts of money each month. Cancel unnecessary memberships to fitness centers, clubs, and other monthly recurring-cost entertainment. Check to make sure that you don't incur more charges if you must break a contract early. Consider canceling cable TV. With the internet and smartphones, cable is often redundant. Don't shop unless you need to. You can probably postpone buying clothes for many, many months. If you must buy something, go to a second-hand store or to a close-out store. Expenses like housing, food, or transportation are traditionally considered fixed, but that does not mean you can't significantly reduce your costs in these areas to free up space in your budget each month. If you are renting and your housing is too expensive, consider re-locating to a more affordable apartment, or to a different area of town. Keep in mind what you want, versus what you need. For example, if you are single, a one bedroom apartment may be ideal, but a studio is likely all you need, and downsizing can save you considerable amounts. Consider getting a roommate if possible. Consider visiting a food bank or soup kitchen, and using food stamps. If qualify, temporarily using these resources can significantly reduce your costs until you are in a better place financially.The Supplemental Nutrition Assistance Program (SNAP), once known as the food stamps program, provides low-income Americans with supplemental funds to purchase food. Eligibility for SNAP is based on household monthly income, as well as other factors such as the number of children in a household. Contact your state's government assistance program to learn about applying for SNAP. Ride share or take the bus to reduce transportation costs. In a perfect world a 40 hours a week full-time job would provide you with the funds you need to cover your costs and expenses. In reality, you may need to get creative in order to locate additional sources of income, especially if you've fallen on hard times. If you don't already have a full-time job, immediately start going out to businesses that may be hiring and submit your application. Apply to as many places as possible. Find a part-time job. Search in craigslist and consult with friends in order to locate part-time job opportunities. Focusing on jobs that provide seasonal employment may be a great option in that seasonal employers often hire people only looking for short-term employment ie. working at the mall during the Christmas season, or as a lifeguard during the summer. Take on odd jobs like landscaping, baby-sitting, waiting tables, or bartending. Register at several temporary employment agencies. They might not have regular work or career-related work, but sometimes short assignments will help when you're in a pinch. The U.S. federal government provides a wide range of services for American's in need that are governed and dispensed by state governments. However, accessing government assistance programs requires patience because of varying application processes and bureaucratic delays. As a result, government assistance programs can provide additional funds for when you are going through a long-term financial crises, but you shouldn't expect to receive quick financial aid from government assistance program. Unemployment insurance is a great option for those workers who are in a financial crises because they have lost their job, or are otherwise unable to work. An unemployment insurance claim can be filed if you fulfill specific requirements, which vary by state. Check with your local state department of social services to determine which other governmental assistance programs that you may be eligible to access. If you live outside of the United States, contact your local government to inquire about government assistance. Most developed countries offer unemployment assistance and subsidized necessities to those in need. Any assets you don't absolutely need can and should be sold to pay off your debt. This is because the value of your assets is likely decreasing and the value of your debt is always increasing. The simplest thing you can do to improve your net worth is pay off as much of your debt as possible as quickly as possible. If you are in a very dire debt situation, it can be a good idea to use retirement savings to pay off debt, or sell assets like a car. You can replace the car with a cheaper one or use public transportation instead, if possible. If using savings to pay off debt, it is important to consider a few things. Firstly, only use savings to pay off very high-interest debt (like credit card debt). Not only is paying off this debt with savings financially reasonable (due to the fact it is extremely costly and it is unlikely an equivalent amount of interest is being earned on savings), it can improve your credit rating, get creditors off your back, and reduce your monthly expenses. While planning your recovery, make a schedule of how much you can pay off each debt each month. This should also include when you estimate to be able to pay off each debt completely. If you lack sufficient assets and income to pay for basic necessities and pay off your debt at the same time, filing for bankruptcy can be your only option. Bankruptcy can erase your debts and give you a financial clean slate, but is not without its downsides. The process also destroys your credit score and can force you to sell off certain assets deemed unnecessary, even if you don't want to. Most people will file for what is known Chapter 7 Bankruptcy. This allows the court to settle your debts by selling off some of your assets. See how to file for Chapter 7 bankruptcy for more information or see how to file Chapter 7 Bankruptcy without a lawyer if you want to file for bankruptcy by yourself. Protected assets are those that cannot be sold during bankruptcy proceedings. These typically include your primary residence, primary transportation, and personal items like wedding rings. Specific protected asset always vary by state.
Question: What is a summary of what this article is about?
Create a plan suited to your needs. Determine your fixed and discretionary monthly expenses. Reduce your variable expenses. Reduce your fixed expenses. Pursue additional sources of income. Apply for government assistance programs. Consider selling assets and using the proceeds to pay off debt. Consider filing for bankruptcy.

(This is recommended to boost blood circulation and improve flow of nutrients necessary for healthy hair.) Take the remaining piece of lemon and squeeze the juice into the scalp. Do this all over your head.
++++++++++
One-sentence summary --
Comb out your hair from the back of your head to the front. Before washing, make small partings in your hair. Massage the scalp.