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Click or double-click the Skype app icon, which resembles a white "S" on a light-blue background. This will open Skype if you're logged in. If you aren't logged into Skype, enter your email address and password before proceeding. Scroll down on the left side of the Skype window to cycle through your Skype conversations until you find the one you want to delete. Doing so prompts a drop-down menu. On a Mac, hold down Control while clicking the conversation. It's in the drop-down menu. This will remove the entire conversation and all of its messages from Skype. If you don't have access to your computer's Skype program or you use an older version of Skype that doesn't allow for in-program conversation deleting, do the following: Go to https://web.skype.com/ in your computer's browser (sign in if necessary). Right-click the conversation you want to remove. Click Delete Conversation, then click Delete when prompted.

summary: Open Skype. Find the conversation you want to delete. Right-click the conversation. Click Delete Conversation. Click Delete when prompted. Delete a conversation from online.

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Many lenders, including credit card companies, might be willing to delay payment for a short period of time if you are in a cash crunch. Call up customer service and explain your situation. You might be able to make regular partial payments. Creditors want to see that you have a plan for getting on top of your finances. Ideally, you've fallen behind because of an event beyond your control, such as short-term unemployment or a medical emergency. This emergency should have passed. Speak to your boss and explain that money is a little tight. Ask if you can get an advance on your next paycheck. If your boss can help you out, then you'll save a lot of money by not needing to go to a payday lender. You don't need to go into great detail with your boss about your financial difficulties. Instead, speak generally. People who know you might be willing to help you out. Tell them what you need the money for and agree to pay them back as soon as possible. You can also agree to pay interest. Paying interest shows you are serious about paying the money back. Check your jurisdiction's usury laws online, which will set the maximum interest rate allowed. With luck, your family member will charge only a small interest rate. Many banks allow you to take out more money than you have in your account. This is called overdraft protection. Generally, you will pay a small fee for taking out too much money. However, the fee will be much lower than the interest on a payday loan. Avoid using "bounce protection" overdraft. The APR on these programs can reach 1,000%. Someone with a decent credit score should go to a bank or credit union and ask for a personal loan. These loans will have much lower interest rates than payday loans. You might also get a personal loan from an online lender. Research an online lender just as you would a payday lender. Online lenders should not charge upfront fees or pressure you to wire them money. Personal loans can usually be paid in monthly installments over several years. This makes repaying the loan much more manageable. To get a personal loan, you'll need to have a credit check. Credit unions offer small loans for much lower interest rates. You can borrow between $200-1,000. You only pay a small application fee and get one to six months to pay it off. Typically, you must have been a member of the credit union for at least one month before you apply. Your credit card probably lets you take out cash from an ATM. Check your monthly statement to see. There should be a "cash limit" amount listed. Cash advances are expensiveinterest rates usually are around 30% or higher. Also, you might be charged fees on top of the interest rate. However, a cash advance is cheaper than a payday loan. You'll also get to pay off the cash advance over several months, which might be easier on your finances. Don't assume you don't qualify for a credit card if you have poor credit. Shop around online.

summary: Talk to your creditors about an extension. Ask your boss for an advance. Ask friends or family for a small loan. Use your bank's overdraft protection. Obtain a personal loan. Apply for a payday loan alternative with a credit union. Take a cash advance from a credit card.

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In the 1970s, pairing a cropped, fitted t-shirt with denim flares was all the rage. If you are purposefully going for a retro look, definitely wear your flares with cropped tees. However, if your aim is to style flares in a more contemporary way, opt for shirts with a looser fit and longer length. Look for shirts that fall at approximately the hipbone. Highlight the silhouette of your flares by choosing t-shirts in fun colors and graphic elements. Wear a tee with a colorful geometric pattern with clean wash denim flares. Try a vintage band tee with classic denim flares and vintage sneakers. A fitted jacket or blazer that falls at hip length can take your flares from casual to office-ready. For a casual Friday setting, wear high-waisted denim flares in a dark rinse with a cropped jacket with angular lines. For an even dressier "power suit" look, wear trouser flares with a neutral-colored button-down shirt, a wide format belt and a dark navy or black straight-cut blazer. Blazers can create a weekend-casual vibe, as well. Wear a long blazer over a vintage rock band t-shirt and add a pair of platform sandals into the mix for an edgier look. Tunics are loose-fitting blouses that are typically made with soft, fluid materials. When you pair a loose-fitting tunic that falls at about mid-thigh with a pair of flares, you can highlight your overall silhouette and create the illusion of height. Shop for tunics in colorful styles and with interesting patterns for a flowy, feminine look. Floral patterns emphasize the feminine side of this look even more, but if you aren't going for an overly girly look, opt for other types of patterns. Wear a vibrant tunic with a floral pattern with a pair of cropped flares and platform pumps for a feminine vibe. Choose a tunic in a bright, solid color to create a similar look with less emphasis on gender. Get a chic but casual look by wearing a pair of loose-fitting, well-worn flares with a half-tucked button-down or tunic shirt. To keep things simple, choose a shirt in a basic neutral, like white. Roll up the sleeves to the elbows, toss on a cross-body bag and step into a pair of flats for a nonchalant yet fashionable European look. In this scenario, faded and distressed denim flares are flattering and don't create an overly retro vibe.
summary: Wear them with a hip-length t-shirt for a casual look. Dress up your flares with a boxy, cropped jacket or blazer. Opt for long, flowing tunics in colorful styles. Pair them with a half-tucked button-down for an undone street style.