In one sentence, describe what the following article is about: Going into overdraft -- or withdrawing more than you have in your account -- can lead to being listed in Chexsystems. There are a few helpful tips that can reduce your odds of going into overdraft in the future. Monitor your accounts frequently. If you see your account balance approaching zero it is important to reduce spending you can easily control. If you have essential bills coming due, consider using your credit card or line of credit so your account does not go into overdraft. It is very important to note that using credit to pay bills should only be done in emergency situations. If you regularly are running out of money in your checking account and needing to rely on credit, it means that your expenses are exceeding your income. If this is the case, it is absolutely essential that you look at options to increase your income (if possible), and if not, that you reduce your expenses so they are equal to or less than your income. If you need to write a check, always confirm two things. Firstly, confirm that you have adequate money in your account to cover the check. Secondly, confirm that the money will remain in your account indefinitely until the check is cashed. Writing bad checks can easily get you listed in Chexsystems. Consider opening two checking accounts. One for your day-today transactions,and another specifically for check writing. When you need to write a check, transfer the amount into the checking-only account, and do not touch the money at all costs until the recipient cashes the check. Only write checks for amounts that you either currently have, or that you are 100% certain you will have. If you are writing a $100 check, and know you are getting paid $500 in the next week, do not write the check unless you are absolutely certain you can afford to use $100 of that $500 to cover the check. Learning budgeting skills is an excellent way to ensure your expenses are within your income every month. There are plenty of resources available online to teach you how to make a budget. In addition, there is also software available that can be useful. Look for budgeting software like Mint. Mint, as just one example, allows you to sync your bank accounts with the software, and can closely track your expenses each month to ensure you stay within your income. When you create a budget, you will often need to reduce your expenses. When doing this, it is helpful to think of what you want versus what you need. Reducing wants can be an excellent way to find savings. For example, a cable package may be a want, but it is likely not a need especially if you already have internet. As another example, eating is certainly a need, but eating out once a week is a want and can likely be reduced to once a month (or even less frequently depending on your particular situation).
Summary: Avoid overdraft at all costs. Practice caution with check writing. Create a Budget.

In one sentence, describe what the following article is about: Most houses and dwellings throughout Skyrim have at least one bookshelf, so just fast-travel to the nearest town in which you can access homes or a palace. If you own a home that has a bookshelf, fast-travel there instead. Open the bookshelf, then remove any books that are currently on the bookshelf. Doing so will minimize the chances of breaking the Oghma Infinium glitch. You can do this by opening the "Wait" menu, selecting 1 hour, and confirming the wait period. With the quick-save in place, you can reload the save in case you accidentally read the Oghma Infinium incorrectly. Selecting the empty bookshelf will prompt your inventory to open. This tab is near the bottom of your inventory's list. It should be in the Books section of the inventory. Doing so opens the Oghma Infinium. You can choose one of the following paths: The Path of Might - Grants a +5 level bonus to Heavy Armor, One-Handed, Smithing, Two-Handed, Archery, and Block skills. The Path of Shadow - Grants a +5 level bonus to Light Armor, Speech, Pickpocket, Alchemy, Sneak, and Lockpicking skills. The Path of Magic - Grants a +5 level bonus to Destruction, Restoration, Conjuration, Illusion, Alteration, and Enchanting skills. Without closing the bookshelf menu, press the "Store" button or key to place the Oghma Infinium on the bookshelf. After you see the Oghma Infinium appear on the bookshelf, you can close the bookshelf menu. Select the Oghma Infinium on the bookshelf to open it. Press the "Take" key or button to remove the Oghma Infinium back in your inventory. To repeat the glitch, you'll open the bookshelf menu, open the Oghma Infinium and select an upgrade path, store the Oghma Infinium on the shelf, and repeat until you've maxed out your character. Be sure to quick-save intermittently so that you don't have to redo all of your progress if you accidentally break the glitch.
Summary: Find a bookshelf. Clear the bookshelf. Quick-save your game. Open the bookshelf. Scroll down to select Books. Select the Oghma Infinium. Select an upgrade path. Place the book on the bookshelf. Open the Oghma Infinium. Place the Oghma Infinium back in your inventory. Repeat the level-up process.

In one sentence, describe what the following article is about: Whether the divorce is contested or not, the final legal document you will have to prepare and file is the decree of divorce. This document verifies all of the final decisions that were made between you, your spouse, and the court. The decisions include those about property, money, support, and children. A copy of the decree of divorce can be found here. During the 60 day waiting period and before you attend the court hearing to get your divorce decree signed, you must complete any parenting classes that are required if you have a child with your spouse. Make sure you do not blow these off as it may delay your divorce and cause the judge to impose other requirements. During these parenting classes, you will learn about the responsibilities and hardships of co-parenting after a divorce. For example, part of the course may teach you about how to handle problems that arise while parenting without your spouse around (i.e., how to be a good single parent). The final step in ending your marriage is the divorce hearing. If your divorce is uncontested, the judge will simply look over the divorce decree and he or she will sign it if they are satisfied. If the divorce is contested, a judge will hear both sides and decide how to end the marriage, including how to split up property and child custody rights. The judge's decisions will be formalized in the divorce decree and the judge will sign it.
Summary:
Write a decree of divorce. Attend any required pre-divorce classes. Attend your divorce hearing.