You consolidate your debt by taking out a loan in the amount of all of your debts. You then pay off each individual debt. Now, you have only one monthly payment, preferably at a much lower interest rate. You can get a personal loan from your bank or credit union. You should stop in and ask about interest rates and repayment periods. Ask if you can get the loan without a prepayment penalty. This will allow you to pay back the loan faster and reduce your overall debt. You can also get a personal loan from an online lender. Some online lenders specialize in personal loans for debt consolidation. Be wary. Most scammers operate on the Internet. Don't borrow from lenders that claim not to care about your credit score or require that you pay an advance fee. Instead of getting a personal loan, you might seek a HELOC. HELOCs are usually offered for a low interest rate, and you can spread out payments over a long time. However, a personal loan is much better than a HELOC because a personal loan is unsecured. This means that if you do have to file for bankruptcy, you can completely wipe out the debt in a Chapter 7. With a HELOC, by contrast, your bank will keep its lien on your home, which you can't get rid of in bankruptcy. For a small fee (usually around 4% of the balance) you can transfer debt from one card to another. For a limited amount of time (usually one year), you don't have to pay interest on the debt. Check to see if your credit cards allow you to use balance transfers. Make sure you are transferring to a card that doesn't have a balance. If it does, the balance already on the card will continue to accrue interest. If you have good credit, you might take out a new credit card. Often, credit cards offer a promotional period of 12-18 months where you won't be charged interest on your balance transfers. Once you consolidate debt, you might gain some breathing room. However, you can't immediately start spending again. For this reason, you should come up with a budget even if you consolidate debt. To pay off debt as quickly as possible, funnel all extra money to debt repayment.

Summary: Obtain a personal loan. Take out a home equity line of credit (HELOC). Take advantage of balance transfers. Avoid spending too much.

The Google Phone app is what most Pixel or Nexus phones use by default. You'll find this phone-shaped app on the main screen. It's in the top-right corner of the Phone screen. A drop-down menu will appear. You'll find this in the drop-down menu. It's near the top of the page. This is at the top of the page. Tap the text field, then type in the number you want to block. Alternatively, you can go into Recent Calls or Call History and tap a number you want to block. Then tap Block. It's below the text field. Doing so will add the number to your phone's block list. You should no longer receive calls from the blocked number. You can also check the "Report call as spam" box to report the call. If you want to unblock a number, enter the "Blocked Numbers" list in the Settings menu, tap X next to a number you want to unblock and then tap Unblock.

Summary: Open your Android's Phone app . Tap . Tap Settings. Tap Blocked Numbers. Tap ADD A NUMBER. Enter the number you want block. Tap BLOCK.

A half cab is an easy and impressive trick to learn! Begin by bending your knees and pulling the handlebars up as you jump into a bunny hop. While you are jumping, turn your body by 180 to completely change your direction. Land on the ground in the same way as a bunny hop, with your knees bent and the handlebars pushed towards the ground. Try to jump as high as you can so that you have enough time to change direction. Begin by doing a bunny hop and jumping as high as you can in the air. While you are airborne, use your left heel to kick the scooter deck firmly so that it spins by 360 in an anticlockwise direction. When your scooter deck has rotated a full 360, place both feet back on and land with your knees bent. As the scooter deck rotates, hold the handlebars firmly with both hands to keep your body in the same position. It's best to practice a heel-whip on flat ground first before you move onto trying it on ramps. Slowly ride your scooter forward and gently pull the handlebars up so that the deck is lifted off the ground. Lightly hop from the deck as you lift it and use the foot that is at the front of the deck to push it so it rotates by 180, causing the deck to flip around so that the back wheel is leading in front. When the scooter deck is directly in front of you, place the foot that you used to rotate the deck down and as close to the handle as you can. Keep the foot that isn't rotating the deck hovering just above the ground while the deck changes direction. When you land, simply continue riding your scooter, but with the deck in front of you rather than behind you! If you want to return to your original position, simply follow the same process. Pull the handlebars up, hop from the deck, and push the deck to rotate it by 180. Then land back on the scooter and continue riding normally. Begin by riding your scooter along flat ground at a comfortable speed. Lift the handlebars up very slightly and rotate them by 180 with 1 hand. When your handlebars are the wrong way around, simply remove the 1 hand that remains on the bars and sink your weight into your back foot on the scooter deck. Align your back shoulder with your back foot and balance for as long as you can! It's important to put as much weight on your back foot as possible because this is where your center of balance is. Turning the handlebars backward helps you to steer using the weight in your back foot. Tilt your weight slightly to either side to guide your scooter when you're riding with no hands. Although it may seem scary, all you need to ride without hands is a bit of confidence!

Summary: Try a half cab to do a bunny hop with a 180 turn. Perform a heel whip to do a bunny hop with a 360 rotation. Do a fakie to ride your scooter backwards. Try riding with no hands to practice your balance.

Take the hoodie that fits too snugly around your neck and lay it flat so the neckline isn't bunched up at all. Try to work on a table or counter instead of a bed so you don't accidentally cut into your bedspread. Pull the front of the hoodie in opposite directions so you can easily see where the 2 sides of the neckline meet. The 2 fabric layers will meet in a V-shaped point. Use a sharp pair of scissors to cut a slit in between the 2 layers of fabric. Make the slit go in the same direction as the upper layer of fabric so the cut isn't noticeable. Pull the hoodie on and decide if the neckline is comfortable. If it's still too tight, extend the slit you cut by another 12 inch (1.3cm) and try the hoodie on again. For a rugged look, use your hands to tear the slit more instead of cutting it.
Summary: Lay the hoodie on a flat surface. Use your fingers to spread apart the neckline where the 2 layers meet. Cut a diagonal 1 inch (2.5cm) slit where the edges meet. Try on the hoodie to see if the neckline is as loose as you'd like.