Summarize the following:
Whether it's at fast food chains or upper-class restaurants, the cost of eating out is greater than that of cooking at home.  Limit eating out to special occasions like birthdays and anniversaries. When you're eating out on a small budget, fast food is your best bet. Although it is less healthy than other options, you will get a lot more calories for each dollar you spend. You will always be using less energy (and less money) turning lights off and keeping them off. Walk through rooms before leaving your house and turn off all the lights. Unplug minor appliances that don't need to stay wired (coffee makers, toasters, phone chargers). Freeware is free software. Many commonplace (and expensive) apps that students depend on or use regularly, have free versions online. Before investing in any software, be sure to look for available freeware versions.  Open Office is a popular and effective freeware take on Microsoft Office.  Office also offers Office Online. ClamWin is a quality antivirus program available free of charge.  Bit torrent programs give you access to endless movies, shows, music artists, and programs.  Audacity is a free program for simple sound editing. Any students involved in media in any way would benefit from this. PDFCreator is a freeware version of Adobe Acrobat.  TurboCASH 5, and GnuCash are both free substitutes for Quicken and other accounting software. To lower your phone bills, you can cut long phone calls out of your routine. Replace them with video chatting and emails.  Software are available such as Skype, CamFrog, Facetime, and ooVoo that enable video/audio chatting as well as text chatting. Web-based clients for video chatting are also freely available. Check out Skype Web, Google Hangouts, Facebook video chat, AnyMeeting, and TinyChat. Video chatting gives another element of communication: body language. Enjoy seeing the smiles on your friends' and families' faces. ATMs in convenience stores, and generally any bank that is not your own, will charge anywhere from $1 - $4 for using their machine. Plan wisely; if you need cash and don't have any, take time to find a branch or ATM of your bank. Physical exercise is an important and healthy part of everyone's lives. However, gym fees are not. Spend time running, biking, swimming, and doing floor exercises like push-ups and curls. Invite your friends to join. This way you still get your exercise and don't have to spend $100/month to use weight lifting equipment.  Some gyms and yoga studios offer work-study positions. You can work a small amount of time each week in exchange for free access to classes and space use. Look on Youtube and other video streaming sites for yoga, qi gong, tai chi, and full workout routines to follow along with at home. The average monthly bill for an expanded basic cable plan is $64. That is a cost you can cut out entirely and put right back into your savings account.  Streaming services like Netflix, HBO Go, and Hulu offer a wide variety of TV shows and movies at a considerably lower price. Spend more time reading as a replacement for watching TV and movies. You can get a library card and read at zero cost. Sometimes phone plans have hidden fees and extra features that we don't truly need. Consider cutting out features that you don't use, or could live without.  A number of single-line and prepaid phone plans are available to save money.  Join or stay in your family's phone plan. Often times it's less expensive to join in a family account. It's possible that your parents will pay the bill. But even if not, you will have saved some money by chipping in your share to them. Walking inside stores or down avenues full of shops can drive you to buy last second treats. These impulse purchases, if they become a habit, can slowly chip away at your savings. Stop before you buy anything and consider how many hours you would have to work to pay for it.  Always consider the money you have and what you really need to be able to pay for, before going through with any impulse purchases. When you see something you like and want, make yourself wait at least one hour, then one day, then one week. Putting distance between yourself and your urges will often lead you away from impulse buying.  Don't buy nonrefundable items. Leave your debit and credit cards at home so you don't have access to money. Don't buy things just because they're on sale. It might end up being unused in just a few months if it's not really something you need and/or want.

summary: Avoid eating out. Turn off lights and unplug electronics. Use freeware. Use video chat apps or email instead of calling. Don't use ATMs with a surcharge. Quit the gym. Cut your cable subscription. Change your phone plan. Cut out impulse purchases.


Summarize the following:
You can find them on eBay for around $100 USD, or maybe even in your desk drawer. They're available at the AT&T store, eBay, Target, Best Buy, and many other retail electronics stores. The phone itself is not important—only the SIM card—so get the cheapest phone you can find. Make sure your GoPhone is powered down as well. On the top of the iPhone, next to the earphone socket, is a tiny hole. Insert an unbent paper clip into the hole, and push down: the SIM tray will pop out. Remove the SIM, noting how it is oriented in the tray. Follow the instructions included with the GoPhone for details. Put the GoPhone SIM into the iPhone SIM slot, and close it back up. You are now on your prepaid GoPhone plan! You will also still be able to use Wi-Fi to connect to the internet. SIM cards generally have wireless services disconnected, but try this:  Find a Wi-Fi hotspot, and launch Safari on your Go-iPhone. Navigate to unlockit.co.nz, and tap Continue, then tap Custom APN. From the list of carriers, choose "US-AT&T" or your local carrier, whichever is appropriate. Tap Create Profile to create and download the APN file. At the prompt, choose "Install," and then "Replace." When you see the "Profile Installed" screen, restart your iPhone. When it's restarted, go to Settings, and disable Wi-Fi. Check the on the upper left of the iPhone screen, and it should say Edge or 3G.

summary: Get an old AT&T iPhone. Get a prepaid AT&T GoPhone. Power down your iPhone. Remove the iPhone SIM card. Remove the GoPhone SIM card. Replace the iPhone SIM card. Make a call. Enable wireless data.


Summarize the following:
Dating Barbara for long enough will unlock the following rewards for the pertinent progress bar ratings:   50 percent - You can begin driving Barbara's Ranger.  100 percent - Barbara gives you a police officer uniform.
summary: Redeem your rewards.