Summarize the following:
Paying at least the minimum balance on each card every month, on time, is a requirement for maintaining a good credit rating and avoiding additional late fees that will add to your debt. If you can't make the minimum payments, use the tips in Parts 2 and 3, but remember that paying the minimums will not reduce debt. Instead, it helps to avoid late fees, which can add to overall debt. Don't make any new charges on your credit cards, especially on any higher interest accounts or accounts that are near or over your credit limit. If you have to, cut up cards so that you will not use them impulsively. Not adding to debt is just as important as paying debt off. A good tip is to practice just living on cash if possible. Attempt this for one full week to start. Assume that if you cannot afford something with cash, you cannot afford it at all. If you require records and receipts, it is okay to use one credit card and pay completely each billing period. Once you have created a budget that identifies savings to use for credit card payments, make sure you stick with it. Sticking to cash is one of the best ways to avoid impulse purchases that could deter you from sticking to your budget. Your budget takes what cash you earn, and subtracts cash expenses. If you can commit to using cash only, every expense you have for the month should be covered by your incoming cash, which means there is no use for credit. If you find yourself out of cash, it means you were not sticking to your budget. Cutting up credit cards, as mentioned earlier, is an excellent solution to make sure you do not use them for impulse purchases. While closing credit cards can be a tempting option to prevent further usage, it can cause more harm then good. One large aspect of your credit score is what is known as your "credit utilization", which refers to how much of your available credit that you use. By closing cards, you reduce your available credit, and thereby increase your overall credit utilization. This can harm your credit score, and make getting future loans more challenging. A better option is simply to cut up credit cards. In addition, having multiple types of credit (like mortgages, auto-loans, credit cards) improves your credit score. Therefore, by maintaining your credit cards, you are holding an additional type of credit. If you feel you cannot keep the card and not use it, cut it up. You may also want to look into how to improve your credit score.

summary: Pay the minimum balances on time. Stop making charges. Follow your budget religiously. Avoid closing credit cards.

Summarize the following:
To get comfortable going underwater without holding your nose, it helps to practice in a shallow body of water. You can use the shallow end of a pool, a bathtub, or even fill a sink full of water to practice. A quiet part of a pool or a shallow pool designed for children can help make you feel more at ease in the water. To keep water from getting into your nose, you have to learn how to control the flow of air out of your nostrils. Practice by cupping your hands, placing your nose into your cupped hands, taking a breath, and exhaling through your nose into your hands so you can feel the air. Try exhaling for 10-second increments 2-3 times. Once you've gotten used to controlling the flow of air out of your nose by exhaling into your hands, you can try it out in the water. Lower your cupped hands in the water until they form a bowl filled with water. Then, take a breath, lower your face again into your hands, and exhale through your nose so you can feel the bubbles in your hands. Repeat the process until you feel comfortable putting your nose underwater. Exhale for about 10 seconds at first, then try to go for about 15 or 20 seconds to push your comfort zone. After you've gotten a little more comfortable submerging your nose in the water, lower your cupped hands a little deeper. Then, take another breath, submerge your face into your hands, and breathe out through your nose. Notice if you find yourself getting more comfortable in the water. Great job! Do this exercise a few times and try exhaling for longer and longer increments. If you feel confident enough, try putting your head under the water without your hands. Take a big breath and stick your head underwater, then blow out air through your nose. Exhale for longer increments each time you submerge your head Keep a small amount of air held in your nose to keep water from getting in. If you can hold your head underwater without exhaling through your nose, you're basically swimming! When you feel ready, take a big breath and go underwater. Try to not exhale through your nose and hold your head under the water for 10 seconds. Try to push yourself to hold your head under the water for longer and longer periods. If you feel really confident, try swimming around a little bit with your head underwater.
summary: Use a shallow pool or bathtub to practice. Cup your hands and exhale into them through your nose. Put your hands in the water and exhale through your nose. Move your hands 2 inches (5.1cm) deeper into the water and exhale. Put your whole head underwater and exhale through your nose. Hold your head underwater without exhaling for 10 seconds.