Summarize the following:
Viking braids are not perfectly neat or sleek, and it's easiest to create this look in second (or third or fourth) day hair. The oils in your hair will give it a bit of natural hold and texture. Remember, this look is supposed to look a bit messy and rugged!

summary: Skip the shower.

Summarize the following:
Housing costs include the cost of your rent or mortgage, the price you pay for house or apartment insurance, property taxes, and housing association fees. If you are looking at getting a loan for a mortgage, you might need to use your proposed monthly housing expenses rather than your current expenses. Example: If you currently pay $700 in rent and an additional maintenance fee of $20, you need to start your debt calculations with that full $720. Any payments you make on a car, motorcycle, or other vehicle should be included in your debt calculations, as well as any insurance you pay on those vehicles. If you use public transportation, use any fees you pay to maintain your bus pass or an average amount of bus fare you pay on a monthly basis. Example: If you pay $120 on your car each month and pay an addition $90 on car insurance, you need to add the $210 you spend on transportation to the $720 you spend on housing, giving you debt of $930. Your minimum monthly payment for any credit cards you owe must also be added into your total monthly debt. Do not include credit card balances that you pay in full each month. Example: If you only pay a minimum monthly payment of $15 for one card and pay the rest of your credit card balances off in full each month, add that $15 to the existing $930, giving you a debt of $945. The amount of money you pay on a monthly basis for student loans, payday loans, investment loans, and other personal loans should be included in your debt calculations. Example: If, on top of the other forms of debt already mentioned, you are paying three student loan payments each averaging $80 a month, your loan payment debt is $240. Add this to your existing $945, giving you a debt of $1185. If you make these types of legal, personal payments to other people, add the cost of these payments to your debt. Example: If you have no alimony or child support, your debt will not increase or decrease due to these legal obligations. In addition to those costs already mentioned, you should also note any other debts or money you owe on a monthly basis. Understand that most personal and flexible costs, including those spent on food, childcare, clothing, and entertainment, do not count toward your monthly debt when calculating this ratio. Costs like payments made on past medical conditions can factor into your overall debt, however. Example: If you are presently making a payment of $115 per month on a past operation, add this amount to you current debt amount of $1185, giving you a total monthly debt of $1300.

summary: Figure out your monthly housing costs. Factor in costs related to transportation. Include the cost of credit. Add in loan payments. Include alimony and child support, when applicable. Figure out any other monthly costs.

Summarize the following:
To make your felt snowman ornament you will need pieces of felt in white, brown, orange and black. You will also need a piece of white ribbon (approximately 5 inches in length), a sewing needle and thread (in colors matching the felt), a pen, a scissors, some polyester fiberfill and a sheet of paper. Draw the outline of a snowman onto the sheet of paper. Make the snowman whatever shape you like -- two snowballs high, three snowballs high, fat, skinny -- it's up to you. Cut the paper snowman outline, then place it on a piece of white felt. Use your pen to trace the outline of the snowman onto the felt, then cut it out with the scissors. Trace another snowman outline onto a second piece of felt and cut that one out too. You should now have two identical snowman outlines. Cut out five small circles from the piece of black felt. These will form the snowman's eyes, along with his three coal buttons. Cut out a small triangle from the orange felt. This will form the carrot for the snowman's nose. Cut out two stick shapes from the brown felt. These will be the snowman's arms. Take one of the white felt snowman outlines and hand-stitch the eyes, carrot nose and coal buttons into place. Use thread of a corresponding color for each piece, i.e. orange thread for the nose, and black thread for the other pieces. Take the two white felt body pieces and line them up, placing the piece with the sewn-on features on top. Take the brown felt arms and place them between the two body pieces, sticking out at an angle. Take the length of white ribbon, fold it over, and insert the end between the two body pieces at the top of the snowman's head. This will form the hanging loop for the finished ornament. Take your needle and some white thread and hand-stitch the two body pieces together, leaving a seam allowance of only 18 inch (0.3cm). As you're stitching, make sure to catch both of the snowman's arms and the looped thread in a stitch, in order to secure them in place. Don't stitch the entire snowman closed just yet; leave a space of about 12 inch (1.3cm) to an inch open at the bottom. Take your polyester fiberfill and stuff it into the snowman, making him nice and plump. Once you've done this, you can finish the snowman by stitching the snowman closed. Hang your jolly felt snowman on the Christmas tree and admire your handiwork!
summary: Gather your materials. Cut out the body of the snowman. Cut out the snowman's arms and facial features. Sew on the snowman's eyes, nose and buttons. Assemble the snowman. Sew it all together. Stuff the snowman.