Summarize the following:
If you know your key before you start playing, it will be much easier to create a foundation for your improv. Choose a key that you're familiar with and that's easy for you to play. For example, you might start with a key that has no or relatively few sharps or flats (black notes), such as C, A minor, G, or E minor. Next, pick a simple series of 4 chords around which to build your improvised piece. The chord progression you pick will give the music a distinctive flavor (such as poppy or bluesy, upbeat or sad). You'll play these chords with your left hand to accompany the improvised melody in the right hand. For instance, an I-V-vi-IV progression has an "optimistic" sound, while vi-IV-I-V sounds more somber or "pessimistic." These are both variations on the same popular progression, but they have 2 distinct moods. Experiment with building on the basic chord progression you choose. For example, if you're using vi-IV-I-V, you might go from vi to IV and back to vi again before moving on to I. You can also repeat a chord a few times before transitioning to the next one. Improvising a melody is easier if you use a basic phrase or "lick" as a building block. Choose a short, catchy snippet of melody the length of a single measure (e.g., 4 quarter notes). Try building the melody using notes from one of the chords in your progression. For example, if you're playing in A minor, you might start with a simple lick that goes "E-E-C-A". Start by playing the same basic phrase over each chord. As you move through the progression, transpose the melody to the appropriate key for each chord. Analyze your phrase and examine the intervals between the notes and their relationships to the accompanying chord so that you can play it anywhere on the piano. For example, E-E-C-A consists of the fifth, third, and root notes of the A minor chord. To play this lick over the C chord, change it to G-G-E-C. Once you're comfortable playing your basic starting phrase along with each of the different chords in the progression, start getting creative! Using the same notes from your starting lick, experiment with playing them in different orders or with varying rhythms. You can also try adding new notes that are not part of the original lick. Try to repeat your main phrase occasionally to keep the melody cohesive. For example, you might repeat it at least once every time you do a chord change. While your improv will sound best if you have a solid foundation of music theory to build on, remember that there are really no rules! Keep experimenting and being spontaneous, and try to go with the flow and move on even if you produce a sound you don't like. As you keep practicing, you'll eventually get a better idea of what works and what doesn't.

summary: Choose a key for your improvised piece. Establish a chord progression. Pick a simple phrase as the foundation of your melody. Play the phrase over each chord in your progression. Experiment with variations on the main phrase. Keep going even if you "mess up".

Summarize the following:
Most people have at least some form of debt, and the payments on this can eat up a large part of your budget. While you always have to pay your debts, you can prioritise them to ensure that you are getting the most for your money and not risking any extra charges. Start by working out which are priority debts, namely those which have the harshest penalties for missed payments. High priority debts include your mortgage or rent, income and other government taxes, utility bills and hire purchase agreements. Always meet the minimum payments for debts, and try to work towards paying off debts with the highest interest rates first. If you can pay off expensive debt, it will make it easier for you to save money in the long-term. If you're struggling with debt, you should think about any possible alterations you can make to your repayment schedules. If you are paying back more each month than you can afford, it might be possible for you to renegotiate the loan so you pay back less each time, but you are paying back for a longer. This may work out as more expensive as you will have more interest to pay off, but it can be a good option if you are unable to make your payments. Get some independent financial advice to discuss your possible options. Don't be tempted to take out another loan to help you pay off an existing loan. This can lead to a spiral of indebtedness that it is hard to get out of. Beware of companies offering to restructure your debt. There are reputable companies that do this, but it can be very expensive and increase rather than decrease your debt burden. Another way to take charge of your debts is to pay above the minimum rate. You may choose to do this if have some extra money and you want to take advantage of it to reduce your debt burden. This will be most beneficial if you are paying high interest rates and the minimum payments and not making an impact on your overall indebtedness. Always talk to your loan holder first, as some loan may prohibit you from paying above a certain rate. Often loans have early repayment penalties which may make it more expensive to pay off the loan ahead of schedule. Just paying back the minimum amount on a relatively modest credit card debt could mean it takes years to pay off. A good rule of thumb for getting to grips with your finances and moving towards financial independence is using savings to pay off your debt. This is normally the right thing to do financially because the amount you can earn on your savings is typically less than you are charged for your debt. Having ongoing debt repayments can make it very hard to break free and achieve financial independence. If you have assessed your situation and think a debt burden is a big barrier for you, consider using savings to pay it down and give yourself some financial breathing space.
summary: Prioritise your debts. Consider different repayment schedules. Pay back above the minimum rate. Use savings to pay debts.