Write an article based on this "Consider a teen’s emotional state. Try to think of reasons why a teen might not want to shower regularly. Ask them why they don’t want to shower."
article: During the teen years, there is a lot going on in terms of hormonal changes and body development. Not only that but most teenagers are trying to learn how to be more like adults at the same time. With all of this going on, it isn’t unusual for teens to experience difficult emotions or even depression. Thus, it is important for you to consider whether your teen’s poor hygiene is a sign of something more serious. If a teen was bathing normally but has suddenly stopped, and if you have noticed other symptoms such as moodiness, changes in their school performance or social behavior, or if they have started using drugs or drinking alcohol, then it may be time to seek help from a doctor. There may be a logical reason behind why the teen isn’t showering, so you should spend some time reflecting on what those reasons might be instead of just assuming they are being lazy.  For example, there's a teen who has very long hair, maybe they aren’t showering because they don’t have time to do their hair afterward. In this case, you could purchase them a shower cap, or suggest that they take a bath on the days that they don’t want to wash their hair. Some people simply don’t need to wash their hair every day. Maybe the young person is having a hard time finding the time to shower. Many teens have a lot on their plates with school, friends, extracurricular activities, and chores. It could be that they feel they can’t find the time. If this is the case, maybe you can help them figure out a way to manage their time better, or even cut out one of their chores so they have 15 extra minutes to shower. Many times, teens rebel over little things simply to feel like they have some control over their lives. If you haven’t already done so, consider asking the teen why they don’t want to shower. Asking will hopefully help you figure out why they don’t want to shower. Additionally, it will also show your teen that you acknowledge that they are growing up and have opinions and thoughts of their own.  Hopefully, the reason they don’t want to shower will be a fairly straightforward one. For example, if the teen doesn’t like the smell of the products, then you can easily let them pick ones they do want.  On the other hand, if their reason for not showering is more philosophical (e.g. they don’t want to shower because they feel they should be natural, or something like that), then you’re going to have to do a bit more work. You’ll have to spend time educating them on the health implications of poor hygiene and hope that makes sense to them. If it comes to it, you may have to start revoking privileges.

Write an article based on this "Get active. Smile. Do what you're good at. Eat well. Learn relaxation methods. Be comfortable in your clothes."
article: In addition to benefits like weight loss, exercise has also been linked to fewer depressive symptoms and a lowered risk of heart disease. This means that keeping a regular exercise routine will keep you feeling uplifted, energized, and secure in your good health. If you find it difficult to find the motivation to begin, try starting small by adding brisk walks to your week. Then, you can gradually increase the amount of cardiovascular or strength training exercise to the degree that your lifestyle permits. Try to exercise in ways that increase your flexibility. This way you will learn to see your body as something that is always evolving and changing. Do you ever have those unbearably happy mornings? The type where you find yourself smiling at everyone on an early grocery run, for example? These experiences may actually change how you see yourself and how others see you, too. Compared to people who are not smiling, folks who tend to show their pearly whites more often are considered by others to be more sincere, social, and even competent. Even if you don't feel like it. It'll make you feel and look a lot happier! Remember that taking good care of your teeth is a great way to increase confidence in your smile. Brush and floss regularly, and reduce your risk of tooth decay by rinsing your mouth out after eating or drinking sugary foods. Spend as much time as possible doing things that let you see how talented and capable you are. A feeling of accomplishment is part of what creates the sort of beauty that emanates from within. This may seem obvious, but sometimes the things we're truly good at can slip away from us if a job or school responsibilities ask that we diverge from our talents. For example, if writing is your forte, craft poems and prose in your spare time. If you're brilliant at sports, join a team that plays on the weekends so that you'll always get your healthy dose of competition. Remember that healthy eating is not the same as going on a diet. Diets tend to be temporary and unsustainable in the long run. Eating well requires habits like introducing more fresh veggies, fruits, and whole grains to your shopping list, and cooking with a good degree of variety. If you're big on foods with lots of fat, sugar, and salt, consider cutting back significantly.  Because balance is key, treating yourself is also a part of eating well. If you're tempted by the occasional ice cream cone or pastry, don't deny yourself outright--this is where moderation comes in. Treating yourself will help you remember that how you treat yourself is a big part of the self-confidence that makes you radiant. When you are at ease, people will respond positively, making you feel attractive and present to others. Think about it--when you see someone who looks comfortable in her skin, you can't help but want to be a part of that relaxed way of being. The following are helpful practices that will slowly lower the amount of tension you habitually carry in your body:  Progressive muscle relaxation Yoga Intentional breathing If you feel physically uncomfortable in what you’re wearing, you will begin to develop an oppositional relationship to your body; in other words, a negative body image. Forcing yourself into clothes that don't fit well will make you see your body as too large or too small to wear what you want to wear. Especially for women, wearing well-fitting clothing can change your perception of yourself for the better, increasing your confidence related to emotional management, social skills, and work-related tasks.

Write an article based on this "Compile a spreadsheet of all your bills. Separate your bills by type. Rank the unsecured bills by APR. Consider a balance transfer. Set up a payment plan. Consider closing unnecessary accounts."
article:
Using either Microsoft Excel or free online tools like Google Sheets, include information like your current monthly payment, the minimum monthly payment, the monthly due date, and the interest rate being charged (if applicable). This spreadsheet will help with your bill consolidation but will also be a handy reference for future budgeting! Record more information (account balances, credit limits, accounts numbers) to create an even more complete spreadsheet of your current bills. The more information you have in front of you the better. Now create a way to differentiate your debts by payment terms  and status. The following are common types of debt that can help you categorize and prioritize your debt:  Secured debt is secured by collateral, such as your mortgage loan being secured by your house. This collateral can be repossessed if you do not make your payments. You should usually pay secured debt first. Unsecured debt uses no collateral, such as many credit cards or a personal loan. These usually have a high interest rate as they are a bigger risk to the lender. Fixed interest rate debt means you pay the same interest rate for the life of the loan. Variable interest rate debt means the interest rate may vary for the life of the loan, going either up or down. Fixed repayment term means the debt must be paid within a certain time period or by a predetermined date. Variable repayment term means there is no predetermined end date by which you must pay back the loan. A deductible loan, such as a mortgage or student loan, has some tax benefits. A deductible loan, such as a credit card, has no tax benefits attached. Gain some immediate insight into your current financial situation by looking at which debts/bills are charging you the highest annual percentage rate (APR). APR is a combination of your interest rate as well as any additional costs or fees. These will be the first priority to consolidate and/or pay off since they are costing you the most money. Prioritize your payments. Now that you can see which debts are costing you the most, focus on putting any extra money into those debts first. Anything above the minimum payment on a debt will help to pay down the debt faster, but note that you'll need to keep paying at least the minimum on all your bills to avoid costly late fees. You may be able to transfer your high interest rate account balances over to lower (or zero) interest rate credit accounts. This process is called a balance transfer. Balance transfers are usually limited by your current credit rating; it can difficult to qualify for the lower-rate credit card offering the balance transfer. In addition, balance transfer terms may contain harsher penalties. One late payment may be enough to rescind the original interest rate and raise it to one higher than what you were paying before you executed the transfer. Lastly, balance transfers typically charge a percentage fee on each transaction and these fees will add to your total cost.  For more detailed information on balance transfers, read How to Apply for a Credit Card Balance Transfer and How to Find Credit Card Balance Transfer Offers. One risk here is that you'll transfer the account balance, then run the original debt back up, effectively doubling the debt. Avoid this by closing the original debt account. Watch for offers from your bank or other banks guaranteeing a specified time frame in which you won’t be assessed an interest rate on new balance transfers. Use your spreadsheet and your priority list to make a plan and follow it. Setting up automatic payments or other reminders is a great way to avoid being late and incurring more fees. It also simplifies your life and is one less thing to remember. If your account balance is zero you may want to close those accounts; however, keep in mind that canceling a credit card can negatively affect your credit score. If you don't think you'll be too tempted to use the card in the future, go ahead and keep the account open and just don't use it.