IN: What happens next?

How to roll a cigarillo
Prepare your tobacco.
Using a food scale, weigh-out two-to-three grams of tobacco and place it aside. The exact amount of tobacco required will depend on the size of the wrap and personal preference, but three-grams is the average.

OUT: Many smokers prefer a slower burning cigarillo. To roll a cigarillo that burns slower, use more tobacco and pack it densely.

IN: What happens next?

How to save money on vacation
Determine your budget.
Figuring out how much money you realistically have to work with is critical, or you'll feel the pinch right before christmas. Your budget will help determine where and how far you go, by what mode of transportation, where you'll stay, how you'll eat and what you'll do once there.

OUT: Knowing tricks-to-the-vacation trade will make creating and sticking to a budget easier, and your vacation more enjoyable. When thinking about your budget, always consider currency exchange rates.

IN: What happens next?

How to get a mortgage
Estimate your home payment capacity.
In order to apply for a mortgage, you should first determine what kind of a monthly payment you can afford. Take an inventory of all your monthly expenses and compare it to your monthly income.

OUT:
Use these figures to establish a budget that allows room for a monthly mortgage payment. Remember to factor in all of the costs of home ownership, including insurance, taxes, and maintenance.