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.

Use your smoothing shampoo and conditioner to prep your hair for best results. Shampoo gently. After you apply the conditioner, comb through your hair with a paddle brush to evenly and thoroughly distribute it before rinsing it out. If you have long hair and want to avoid washing your hair daily, use dry shampoo in between washings to keep your locks fresh. Pat your hair gently with a towel, working downward. Rough towel drying can encourage hair to curl up, especially if you already have a natural wave to it. Allow your hair to air dry until it's about 80% dry before blow drying it. Blow drying wet hair is extremely damaging and it can also cause your hair to become frizzy. Make sure you apply the product starting at the roots and working it down to the ends. This is the same direction as the hair cuticle, so applying it that way will ensure that you get the sleekest results. This will smooth your hair cuticle and also keep your hair from tangling. Make sure you are using the nozzle attachment on the hair dryer and your paddle brush with the mix of nylon and boar hair bristles as you dry it. Once your hair is dry, use the cool setting on the hair dryer to blast it with cool air for about 60 seconds for an additional shine boost. Separate your hair into small sections (1-2 inches) and use the flat iron to straighten your hair by sections. If you have thick or long hair, it may be easier for you to tie most of it up and bring it down a section at a time to straighten it. Work slowly and steadily and don't iron over the same section of hair more than 2-3 times. Make sure your hair is completely dry before you begin if you hear a sizzle, stop and use your blow dryer for a few more minutes before resuming. Adjust the heat setting on your flat iron to suit your hair type. If you have fine or damaged hair, set the temperature at 300 to 350 degrees. Normal hair can use the 350 to 400 degree setting and if you have coarse hair, use the 400 degree setting. Sparingly use a tiny amount of serum to smooth down any fly-aways or roughness. Don't neglect the ends of your hair, which tend to dry out the most when subjected to heating tools. Then allow your hair to cool down completely before applying a light might of hairspray or finishing spray all over your hairstyle to set it. If you don't wait for your hair to cool down before applying hairspray, you may hear some sizzling, which means you're damaging your hair. Instead of misting, try spraying your mixed nylon and boar bristle brush with the hairspray and then running it through your hair to avoid stiffness or stickiness.

Summary: Shampoo and condition your hair. Lightly towel dry your hair and allow it to air dry. Apply smoothing serum to your damp hair. Blow dry your hair in a downward motion. Spritz on the thermal protectant product and flat iron your hair. Reapply a small amount of serum and set your hair with hairspray.

Make these tasty dumplings that include lamb or pork as well as cabbage. These tasty potato dumplings, also known as 'Pierogi', are a typical Eastern European dish that is served with sour cream and a healthy dose of salt. . Make these tasty gyoza dumplings with pork, shrimp, cabbage, and a variety of spices. Make these tasty flour-based dumplings without any filling and enjoy them in a soup or a stew.

Summary: Make Chinese dumplings. Make potato dumplings. Make gyoza dumplings Make flour dumplings.

Log in to Google, if you have not already done so. It's in the menu at the top of the page. It's the app with a dark blue image, and two light blue folders. This installs the add-on to your Google Sheet document. It's in the menu at the top of the page. This will connect to your Google Drive account. This is the option you have to click even though you will be selecting a folder. When folder is finished copying, it will appear in your Google spreadsheet. You can enter a prefix or a suffix to appear before or after the copied folder name, to distinguish it from the original. Go to https://drive.google.com in a new browser tab and you will see your newly copied folder.
Summary: Go to https://sheets.google.com in a web browser. Click to open a new blanks spreadsheet. Click the Add-ons. Click Get Add-ons . Type copy folder in the search bar and press Enter. Click + Free next to the "Copy Folder" add-on. Click Allow. Click Add-ons. Select Copy Folder. Click Select a folder. Click Select a file. Select the folder you want to copy. Click Copy. Go to your Google Drive.