Problem: Article: Most people have at least some form of debt, and the payments on this can eat up a large part of your budget. While you always have to pay your debts, you can prioritise them to ensure that you are getting the most for your money and not risking any extra charges. Start by working out which are priority debts, namely those which have the harshest penalties for missed payments. High priority debts include your mortgage or rent, income and other government taxes, utility bills and hire purchase agreements. Always meet the minimum payments for debts, and try to work towards paying off debts with the highest interest rates first. If you can pay off expensive debt, it will make it easier for you to save money in the long-term. If you're struggling with debt, you should think about any possible alterations you can make to your repayment schedules. If you are paying back more each month than you can afford, it might be possible for you to renegotiate the loan so you pay back less each time, but you are paying back for a longer. This may work out as more expensive as you will have more interest to pay off, but it can be a good option if you are unable to make your payments. Get some independent financial advice to discuss your possible options. Don't be tempted to take out another loan to help you pay off an existing loan. This can lead to a spiral of indebtedness that it is hard to get out of. Beware of companies offering to restructure your debt. There are reputable companies that do this, but it can be very expensive and increase rather than decrease your debt burden. Another way to take charge of your debts is to pay above the minimum rate. You may choose to do this if have some extra money and you want to take advantage of it to reduce your debt burden. This will be most beneficial if you are paying high interest rates and the minimum payments and not making an impact on your overall indebtedness. Always talk to your loan holder first, as some loan may prohibit you from paying above a certain rate. Often loans have early repayment penalties which may make it more expensive to pay off the loan ahead of schedule. Just paying back the minimum amount on a relatively modest credit card debt could mean it takes years to pay off. A good rule of thumb for getting to grips with your finances and moving towards financial independence is using savings to pay off your debt. This is normally the right thing to do financially because the amount you can earn on your savings is typically less than you are charged for your debt. Having ongoing debt repayments can make it very hard to break free and achieve financial independence. If you have assessed your situation and think a debt burden is a big barrier for you, consider using savings to pay it down and give yourself some financial breathing space.
Summary: Prioritise your debts. Consider different repayment schedules. Pay back above the minimum rate. Use savings to pay debts.

INPUT ARTICLE: Article: You'll need HM01 Cut to get this one. You'll pass a man talking to his Poliwrath, then follow the road south and west again around a park. The buildings will disappear and trees will line the road, indicating that you're not in the city. As soon as you leave the city, you'll see a tree that's smaller than the others and next to a fence. Interact with the small tree to initiate the dialog box. Once the tree is cut down, you can walk through to the path behind it. You'll pass some kids waiting outside a house. You'll walk west through a hallway, past an old man, and through the other doorway to the back of the house. You'll see a girl and a Pidgeot. She'll ask you to keep the house a secret; say yes and as a reward, she'll give you HM02 Fly." "Fly" lets you use flying Pokemon to go to any Pokemon Center you have before.

SUMMARY: Go to Celadon City. Head west onto Route 16 out of the city. Cut the tree down. Follow the path behind the fence. Enter the house and follow the path. Enter the second house. Talk to the girl.

In one sentence, describe what the following article is about: Chalky paint has a matte finish, goes on with minimal prep work, and is easier to scrape off while you're distressing your furniture. Choose a paint color that matches the aesthetic in the rest of your room. Chalky paint is not the same as chalkboard paint. Chalkboard paint is meant to be written on with chalk after it dries, while chalky paint just has an ultra-matte finish. You can buy chalky paint from any painting supply store. Adding marks to a table surface or furniture legs can make it seem older than what it actually is. Lightly tap your furniture with the end of a chisel or hammer to make indents in the surface. Make the marks random so it doesn't look like an intentional pattern. Wear safety glasses in case any wood accidentally breaks off your furniture. Experiment with different tools around your house to see what kind of marks they make. Use 120-grit sandpaper to roughen the surfaces on your piece of furniture. This helps the paint adhere better so it's less likely to peel off or chip. Make sure to sand any surface you plan on painting so you get a nice even coat. You do not need to sand unfinished wood furniture. Wet a cleaning cloth with warm water and wring it out until it's damp. Wipe all of the surfaces you plan on painting to get rid of any dust or dirt that's on them. Use another cloth to dry any areas that are wet before you start. Dip the ends of the bristles in your paint so there's only a small amount on your paintbrush. Start from the top of your piece of furniture and work toward the bottom. Apply a thin layer of paint on the surface so it can dry fast and even. When you're finished with the first coat, leave it to dry overnight. It's okay if you still see the wood or laminate underneath your first coat of paint. This can help add to the distressed look of the final piece. Once the first coat of paint has dried completely, put another coat of paint on your piece. Again, work from the top of the furniture down toward the bottom, and paint until it has a smooth matte finish. When you're done, let it dry for 3-4 days so the paint has time to adhere to the furniture. Corners and edges are usually the first parts that wear away over time, so start by distressing them. Use 120-grit sandpaper to rub the dry paint off of the surface to expose the wood or laminate underneath. Apply light pressure so you don't accidentally remove more than you want. Add more distress marks where your furniture touches the floor so it looks like it's been scratched up after moving around a lot. Wipe any dust away with a damp rag so you can easily see where you've already distressed the furniture. If you accidentally rub off too much of the paint, you may paint over the area again and start over. Wax acts as a sealant to help protect your furniture from any damage. Dip the end of a cheesecloth in the wax and spread it across the surface of your furniture. Work the wax into the surface in a circular motion until it's smooth. Continue waxing the entire piece of furniture so it's sealed. Furniture wax can be bought from your local hardware or paint supply stores. Wax may take up to 30 days to completely cure, but you can use the furniture after one week.
Summary:
Use chalky paint for your furniture. Add dings and dents to the furniture surface for an extra-distressed look. Sand the furniture if it has a finish on it. Wipe the furniture with a damp cloth before painting. Apply a coat of paint and let it dry. Paint a second coat onto your furniture and leave it to cure for 3-4 days. Sand edges and common places of wear and tear with 120-grit sandpaper. Seal the wood and paint with finishing wax.