How to carve stone
Choose soapstone if you are a beginner and have few tools for carving.
Soapstone's texture resembles a dry bar of soap and is extremely malleable. It will easily form a shape with little force.

Soapstone is so soft that you can carve it with harder rocks you find in your backyard; you can even use your fingernail to carve it. It also comes in many colors like grey, green, and black.

How to lower your monthly mortgage payment
Refinance your loan.
The most common way to reduce monthly mortgage payments in the u.s. is to refinance your loan, or reduce your interest rate and change the length of your term payout. When you refinance, you are essentially replacing the existing loan with a new one.

A new loan with a lower interest rate will help reduce your monthly payments. Keep in mind that extending the term of your loan is often a poor financial decision, so it is best to avoid doing this if possible.

A woman is playing a set of bagpipes in a room. she

laughs as a man helps her adjust the pipes, and continues to play.

Asian woman is singing and playing the drums moving her head and having fun, women playing the guitar are beside her. woman
stands up fom the drums and thank.