Q: You can't choose a good course of action until you know how much you owe. Find all of the debts you want to consolidate and create a list with the following information: The amount due Your monthly payment The interest rate on the loan Whether the loan is secured or unsecured (secured loans are tied to an asset, e.g., your car acts as security for the car loan) Lenders will only make loans if they are confident you can pay them back. Pull a free copy of your credit report and a copy of your credit score. Generally, you'll need a solid credit score (in the mid-600s) to get a personal consolidation loan. Your score might be hurt by errors in your credit report. Check it thoroughly and dispute any wrong information. For example, there might be accounts listed that don't belong to you, or accounts might be inaccurately listed as in default. If your score is low, wait to consolidate. You can pay down debt and improve your credit score first. Many lenders offer these loans. In fact, you probably get offers in the mail. You can ask your bank or credit union for a personal consolidation loan. You might also approach online lenders. Consider the following: Don't use a secured loan to consolidate unsecured loans. For example, a lender might say, "Sure, we'll give you a $20,000 consolidation loan, but we want you to put your home up as collateral." If you default on a secured loan, the lender can take the collateral. Pay attention to both interest rates and the term (length) of the repayment period. Don't focus only on the monthly payment. Research online lenders closely. They should have a physical address listed on their website and use encryption when you submit information. Check with the Better Business Bureau if there have been complaints. Loan consolidation can save you money in 2 waysit might lower your monthly payment or it might lower the total amount you end up paying back. Some loans will do both, but some will do only 1 or the other. For example, you might find a consolidation loan that will cut your monthly payments in half. It does this by stretching out the repayment period to 20 years. You'll end up paying more over the life of the loan. In some situations, however, you might be focused only on cutting your monthly payment. For example, you might have lost your job. In this situation, a lower monthly payment will give you some breathing room, and you can refinance the consolidation loan later. Contact the lender and provide all required paperwork. You'll have to provide a bunch of information, such as personal identification, proof of income, and your employer information. After you've been approved, the lender will probably send you a check. Don't go shopping! You need to use these funds to pay off your smaller loans. Pay them off in a timely manner and then commit to paying back your consolidation loan. Loan consolidation might be unnecessary or not the right choice for you. For example, if you've recently fallen on hard times, you might have other options. Consider the following: You can call your creditors and ask that they let you skip a couple payments until you land on your feet. You'll have to have a good reason, such as a job loss or illness. Also the lender wants to be sure your problems are temporary. You can visit a credit counselor and set up a debt management plan. The counselor can negotiate with your creditors to reduce your interest rate and waive late fees and penalties. You make one payment to the credit counselor, who distributes your payments to each creditor.
A: Make a list of your debts. Check your credit history. Research consolidation loans. Assess your priorities. Apply for the loan. Pay off your smaller loans. Consider other options.

Q: Twitter has a blue icon with an image that resembles a bird. Tap the icon to open Twitter on your mobile device. If you aren't signed in to Twitter automatically, tap Log In at the bottom of the page. Then enter the email address and password associated with your Twitter account and tap Log In. It's the second icon at the bottom of the screen. This displays the search page. It's at the top of the page. This displays your recent search items. It's at the top of the page across from "Recent". It's either in a pop-up window on Android devices, or across from "Recent" on iPhone and iPad. Tap Clear to clear your search history.
A: Open Twitter. Tap the magnifying glass icon. Tap the search bar. Tap the "x" icon. Tap Clear.

Q: While you can't lose weight from one part of your body specifically, losing weight from your entire body will also lower the amount of fat in your thighs. If you have good underlying muscle tone, this should leave you with slimmer, firmer thighs. Your first step should be to start keeping track of how many calories you eat per day you may be surprised how quickly they can pile up. Calorie counters can be a huge help here. These handy online programs allow you to input the food you eat each day to get an accurate count for your calorie intake, then input your height, weight, sex, and exercise level to figure out how many calories you've burnt. Great calorie counters are available at Fatsecret.com, Myfitnesspal.com, and more.There are even calorie counter apps available for download to mobile devices. Once you know how many calories you're eating each day, losing weight is simple (though often not easy.) As long as you eat fewer calories than you burn during the day, you will lose weight it's just a matter of time. The greater the gap between the calories you intake and the calories you expend, the quicker you'll lose weight. Note, however, that any diet that leaves you unbearably hungry or unable to function is not a healthy one. In general, one pound of body mass is equal to about 3,500 calories. Losing this many calories is more or less equal to losing one pound. In other words, if you have a calorie deficit of 500 calories per day, you'll lose about a pound per week because 500 7 = 3,500. Going on a diet doesn't mean starving your body of the things it needs to function. In fact, since you're eating less than you normally would, it's extra important to eat healthy so that your body gets adequate nutrition. As you stick to your diet, remember that you're aiming to skimp on calories, not nutrients, and plan your meals accordingly. This means that high-calorie, low-nutrient foods (like processed foods, sweets, greasy snack foods, and so on) should be the first things to go. In fact, if you tend to overindulge in these sorts of foods, you may notice that removing them from your diet is enough to make you lose weight without changing anything else. On the other hand, high-nutrient, low-calorie foods are a must. For example, nutrition-dense vegetables like kale and spinach can give you loads of vitamins and minerals for very few calories, while whole wheat grains provide plenty of energy and filling fiber. Even lean meats like chicken breast can provide filling, satisfying protein (a must if you're trying to build muscle) without having a caloric load that's unmanageable. For more information, see our article on so-called superfoods. " Going on a diet shouldn't mean making yourself absolutely miserable. It's OK to enjoy life's culinary pleasures from time to time, especially at special occasions like holidays, birthday parties, and so on. As long as you return to your diet the next day, any sort minor indulgence is unlikely to hurt your progress in the long term. In fact, the boost in morale from a single diet "cheat" day can be so rewarding that some dieticians actually recommend it. Think of it like the productivity boost you get at work or school after going on vacation taking some time off makes it easier to stay focused in the long term. As noted above, there are wrong ways to lose weight. For instance, losing weight too quickly can be harmful even a cause of numerous health problems if it's prolonged. In addition, any sort of diet that relies on starvation, purging, or other drastic solutions should be out of the question. These tactics constitute eating disorders potentially serious conditions that require medical intervention.
A:
Monitor your daily calorie intake. Shoot to consistently spend more calories each day than you take in. Ensure that the food you do eat is nutritious. Give yourself the occasional "break. Don't have unhealthy weight-loss habits.