Q: If you need a small loan to cover an unexpected expense, many banks and credit unions offer small personal loans that have much lower rates than payday loans. Likewise, you may be able to save a lot of money by using your credit card instead of taking a payday loan.  Always read the fine print and make sure you understand exactly how much you will owe in interest, regardless of how you borrow. Sometimes bank loans are actually not more affordable than payday loans. Use all kinds of credit cautiously. You should never borrow more than you are capable of paying back, unless you have a true emergency. . Pay off the loan first, then set aside at least a little bit of money to make sure you never need to take out a loan again. Even $10 per week could be $520 in a year, but try to go beyond that if you can. Stick to a budget to make saving easier. Start with a blank piece of paper and write all your monthly income in one column. Write all your monthly expenses in a second column. The difference between your income and expenses is what you can put towards savings or discretionary purchases. Not all emergencies can be foreseen or avoided, of course, but a bit of planning can help protect your from financial ruin.  Try to put off big purchases until you have plenty of money to pay for them. Keep your routine car maintenance up to date so that you're less likely to have to pay for major repairs. If you have a hard time managing your money or creating a budget for yourself, seeking professional help may help you to avoid having to take loans out in the future. There are many counseling agencies that will charge minimal fees, and some may not charge any fees at all. Search online for a credit counselor in your area, or call a credit counseling hotline. If you "borrow" against your savings to pay for an unexpected expense, increase your savings rate until it is paid back at least to its previous level.
A: Borrow from a bank or use a credit card.  Start saving Prevent emergencies. Talk to a credit counselor or financial adviser. Pay yourself back.

Q: Smile to let her know that you’re having a good time.  Make sure your smile is genuine.  She’ll be able to tell if you’re faking it.  A smile is an international sign that we like the person we’re talking to. Girls don’t like being hit on by guys who smell like the inside of a keg.  While a few drinks may help you loosen up, too many will make you look sloppy.  If you’re slurring your words and stumbling all over the place, she’ll know you’re too drunk to focus on her. Don’t invade her space by trying to touch her before you build a connection with her.  She’ll think you’re sleazy and only after one thing.  Get to know her and let things develop naturally.  Let her know you respect her boundaries. Don’t kiss a girl on the cheek when you first meet her.  Try shaking her hand. Be direct and tell her that you really enjoy hanging out with her.  Be sure she knows you like her for her personality.  Keep your eyes on her face while you’re telling her you like her and try not to check out her body in an obvious way.  Refrain from using sexual innuendos. Don’t be overly sexual or treat her like a piece of meat. After you have a connection with a girl,  politely ask for her number.  By asking for her number, you’re showing her that you’d like to talk to her again and giving her a chance to do the same by giving it to you.  Don’t give her your number or she’ll think you’re afraid to put yourself out there. Don’t be pushy.  If she doesn’t want to give you her number, move on.  She’ll find you annoying if you try to force her to give it to you.
A: Smile at her. Be somewhat sober. Take it slow. Let her know you’re attracted to her. Ask for her number.

Q: Leaving the refrigerator door open lets the cold air out, meaning your fridge has to work harder to maintain its inside temperature.  Also, try to remember that oven-baked foods will cook more quickly and evenly if you can avoid opening the oven door repeatedly to check on the food.  Try to pull everything you need from the refrigerator in one go. Use an oven timer for help with preheating, checking on your food, and remembering to turn the oven off. Putting frozen items in the refrigerator to thaw is safer than thawing them on the counter. Frozen foods also help to keep the interior of your fridge nice and chilly as the cold seeps into the surrounding air. Thawing foods like meat or casseroles all the way will reduce their cooking time once you're ready to start. If you're only using a small saucepan to cook with, put it on the smallest burner. Using a larger burner will allow heat to escape into the room, and does not cook your food any faster. This can be especially helpful around the holidays or if you enjoy baking large batches of pies or cookies. You can also turn off the oven before the end of the specified cooking time; the residual heat will continue to cook the food for several minutes. It'll boil faster that way, and keep steam heat from escaping into your kitchen. If you boil water every day, an electric kettle can save time and energy because they heat up very quickly. For speed and convenience, many people try cooking meals where all the ingredients can be cooked together in one pot. Soups, pasta dishes, and rice-based dishes are great examples of recipes that can be made using only one pot. This may require cooking in stages, i.e., browning the meat, boiling the pasta, and then finally combining all ingredients in the pot to finish the cooking together. Once your pot has reached the boiling point, turning the heat down will save energy by allowing the heat trapped inside the pot to do most of the cooking.  Leaving your soup to boil increases the possibility of scorching food at the bottom of the pot, so lowering the heat can have more than one benefit. Cooking outdoors is a great summer pastime, but you can grill year-round if the weather permits. Cooking over an open fire or charcoal grill won't add a dime to your energy bills, and you can cook large amounts of food for use throughout the week.
A:
Open the refrigerator or oven door only when absolutely necessary. Thaw frozen foods in the refrigerator. Match the size of the pot to the stove top element. Optimize your preheated oven by cooking several items in a row. Use a lid when boiling a pot of water. Try one-pot cooking. Put soups and stews on simmer. Use a charcoal grill outdoors.