Summarize the following:
Most people's expenses consist of housing, utilities, entertainment, clothing, food, travel, and medical care. Start by reviewing the checks you've written and your credit card statements for the last few months. Add up what you spent in the above categories and any others specific to you. Credit card companies and online banks offer a feature that will summarize your spending for a given period of time, based on the names of the businesses where you spend money. If you don't use debit or credit cards, keep a careful accounting of your monthly expenses. For example, keep track of your food spending, both at the grocery store and at restaurants. After you have gathered this information compare the totals in each category. Do they seem reasonable, especially as percentages of your paycheck? Set a monthly target for how much money you should allocate to each category. See how to budget your money for more information. Include a target for retirement savings, even if it's quite small to begin with. Start by saving at least 1% of your monthly income for retirement. Slowly increase that percentage over time. You'll find you can gradually adjust to that allocation. The more you save for retirement, the better your later years will be. (If you don't think that's important, talk with someone who is already retired.) Generally financial experts recommend spending less than 30% of your monthly income on housing. In some locations, this may not be realistic. If that's the case where you live, it may be necessary to change neighborhoods. In addition to saving for retirement, build up a savings account as an emergency fund. Set aside about six months' worth of living expenses in case you lose your job or become incapacitated. Once you have created your budget, you will see the areas in which you need to reduce spending. Find ways to save in those categories. Address your largest expenses first. For example, if your monthly rent is $900, and you spend $300 a month on food, you might consider finding a cheaper rental. If you have a mortgage, think about refinancing at a lower interest rate. Meanwhile, look for ways to lower food costs. Don't eat at restaurants. Find recipes utilizing nutritious but inexpensive ingredients.

summary: Categorize your spending patterns. Analyze your spending. Create a budget. Look for ways to save.

Summarize the following:
Sometimes you'll need to remove screws while some models have seats that pop right out. Expose the engine so that you can get to work adjusting the motor. If you don't have a central governor spring, you can still get your cart to move a little faster. The clutch is the pedal (sometimes a handle near your knee) that you use to put the car into reverse or change speeds. You can adjust the clutch to send more gas to your engine, moving you faster. The length of this cable determines how much gas flows into your engine. Again, you should remember that the cart's motor will struggle the faster you make it move. So test every change and listen for clunks or stalls to make sure you protect your motor. You should see the cable lengthening slightly. This will make your cart faster. Tighten the nut to make the cart move slower. This is most common on modern, all-electric engine. Many manufacturers, including EZ Go, do not want consumers tampering with their engines, and have thus hidden the governors in the spark plug ignition. This is very difficult to adjust without ruining the engine, and should be left to trained professionals.

summary: Remove the seat and plastic covering over the engine. Locate your clutch pedal and line. Find the small metal rod right next the clutch and the attached cable. Loosen the nut attaching this cable to the metal protrusion to increase the speed. Know that you cannot adjust the governor if this cable or the governor spring are not visible.

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Regardless of the cause, itchy and irritated skin is never helped by scratching it it may feel good initially, but it almost always makes the condition worse. As such, refrain from scratching your itchy skin and try some of the remedies mentioned below, which can help relieve the urge to scratch. If the urge is too irresistible, cover the itchy area of your skin with breathable clothes or light bandages. Keep your nails cut short, even, and smooth to avoid causing more damage to your skin when you do scratch it. Scratching can draw blood, break blisters and lead to infections. Consider wearing thin cotton gloves, latex gloves or socks over your hands to prevent from scratching irritated skin. Try patting or tapping the itchy area of your skin, rather than scratching it. In addition to covering your irritated skin from the sun and making it more difficult to scratch, loose cotton (or silk) clothing is more comfortable, softer on the skin and more breathable than artificial fibers. So stick with cotton and silk clothing and avoid wearing itchy wool and man-made fabrics such as polyester that don't breath and lead to perspiration and more irritation. Consider wearing loose cotton or silk robes with roomy sleeves while in your house. Then switch to light and loose bedclothes at night flannel works well in winter months. During warmer months, stick with your thin cotton or silk pajamas, and just use a sheet for covering so you don't over-heat. Avoid tight fitting or clingy clothes if you have itchy and irritated skin. The more room for your skin to breathe and evaporate sweat, the better. A variety of additives in soap, shampoo and laundry detergents can further irritate itchy and irritated skin, and in some cases, be the direct cause of your condition. As such, avoid using perfumed soap, shower gel, shampoos or deodorants look for natural alternatives with minimal ingredients (the fewer chemicals listed in the ingredients the better) or ones that claim they are hypoallergenic. Rinse all the soap completely off your body so no residue remains. After washing, apply an unscented moisturizer to protect and soothe your skin. Use a mild, unscented laundry detergent when washing your clothes, towels and bedding. Use the extra-rinse cycle on your washing machine to get as much detergent as possible from your clothes and bedding. Dry your clothes and bedding with natural, unscented dryer sheets to help prevent skin irritation. Changing your bathing habits can also help trigger itchy and irritated skin, or soothe it if you've already developed it. In general, don't bathe too often (no more than once daily or your skin will dry out) and don't use water that's too hot or too cold extreme temperatures can further irritate skin. Hot water, in particular, can scold skin, dissolve away natural oils within skin and lead to dehydration and flakiness. Instead, bathe with lukewarm or cool water and keep your showers and baths to less than 20 minutes at the most 10 minutes or less is ideal. Adding natural oils, moisturizers or baking soda to your bath water can soothe skin and reduce itchiness. Consider adding uncooked oatmeal or colloidal oatmeal (a finely ground oatmeal that's made for bathing) to your bath water for its soothing and anti-inflammatory effects. Buy a shower filter that filters out chemicals that can irritate your skin, such as chlorine and nitrites. Once you're finished washing, dab or pat your skin dry, rather than rubbing it. Use soft, freshly washed towels and not older ones that have gotten a little crusty. . Concerns about your finances, employment, school, relationships and social life often lead to stress, which can contribute to a variety of itchy skin conditions. The chemicals and hormones released within your body during times of stress can lead to rashes, blemishes and irritated skin. Reducing or managing your daily stressors promotes healthier skin and well-being. Don't be afraid to make significant life changes to avoid stressful situations. Be realistic about your obligations and responsibilities. People often get stressed because they are over-committed or over-scheduled. Think about reducing contact with people who bring lots of stress to your life. Manage your time better. If always being late causes you stress, leave for work or school a little early. Plan ahead and be realistic. Use exercise to handle stress. Be active and go exercise when stressed out. Talk to friends and family members about your stressful issues. Venting about your issues can help. If no one is around, write your feelings down in a journal.
summary: Avoid scratching whenever possible. Wear smooth-textured, loose cotton clothing. Choose mild soaps without dyes or perfumes. Take lukewarm baths and showers. Reduce your stress levels