In one sentence, describe what the following article is about: Use the information you learned in part one to do this. Add up your expected income in the coming months, then subtract the cost of all your necessary monthly expenses (such as rent/mortgage, utility bills, etc.). This will give you an idea of how much money you will have for discretionary spending, paying off debt, savings, etc. Take stock of your monthly bills. Look over all the payments you have each month, and see where there's room to cut back. Notice where you're spending money on unneeded goods and services and consider eliminating these expenses. Even small tweaks can result in big savings over time, eventually resulting in financial freedom.  You may be able to consolidate some services. For example, maybe you can put your family's cars under a single insurance policy instead of paying for three separate policies. In terms of cell phones, family plans are often cheaper. Call and ask for a discount or a reduced rate. If you've been a customer for a long time, you may be able to negotiate a lower rate. Also, check for any rewards systems or loyalty policies. You may be missing out on potential savings. Do you stop for coffee every day on your way to work? Maybe you could make coffee at home, saving yourself a couple bucks each day. Think about any services you subscribe to. Do you really use your Netflix account anymore? Do you watch a lot of cable? Such services could probably be cut. How often do you use your gym membership? Couldn't you find ways to work out at home? . Debt is a huge burden for many, and in order to become financially secure you'll need to eliminate as much debt as possible. Make a list of all the existing debts you have, and figure out how much you can reasonably pay each month towards eliminating these debts. You may have to make some sacrifices, like skipping the family vacation this year, but it'll be worth it to live debt free.  Prioritize your debt. Not all debt is created equal. You should aim to pay off high interest debts first, as they'll become much more expensive with time. If you have to, see if you can find a side job so you'll have money to exclusively put towards a debt. If you can work an extra 20 hours a week, even doing freelance work for private clients, you could end up with a few extra hundred dollars to put towards that mountain of debt. You should make sure you're not overusing your credit card, as this can lead to big debt. Credit cards accrue interest over time, and having debt over the long term can damage your credit score. Make sure to pay your credit card in full each month. Mark when the bill is due on your calendar. . A budget can help prevent you from overspending in certain areas. Make a strict budget regarding how much you can spend on things like groceries, eating out, recreational activities, and so on.  Figure out where you could stand to cut back. Say you realized you spend $350 eating out each month. Do you really need to eat out that often? You could cut that back to $150 and save $200. Figure out what things you really value, and what you could stand to go without. Do you really read your monthly New Yorker or Time Magazine anymore? If not, maybe you could cut those subscriptions and save some money. At the end of the month evaluate whether the changes you have made have been effective. For instance, you might see that cutting out your daily latte saved you $90, which you were able to put toward paying down your credit card debt. You may also find that you need to adjust your budget — perhaps you need to further prune your expenses, or maybe you got a raise and you can contribute more to paying off your debt and your savings goals.
Summary: Project future income and expenses. Reduce discretionary spending. Work on eliminating debt Pay your credit card bill in full each month. Make a budget Monitor your results and make changes as necessary.

The spot gold price is basically the current going price for gold if you were to try and sell your gold coins over the counter to someone.  Typically, the gold is sold by ounce, gram, or kilogram.  Check the price on a larger finance website.  The basic gold ticker is GCM16.CMX, and everything about the current price, historical price, and various financial indicators like Simple Moving Average (SMA) is listed on most financial websites.  Monex.com has current prices and charts, and has been operating for more than 40 years. Kitco.com is a more news-oriented site.  You can get the latest prices as well as lots of recent news regarding the current price of gold. Some gold coins are easier to sell than others, particularly depending on your location.  Some have purity guarantees, and can even be added to retirement accounts.  The rarer coins are more difficult to sell, because grading can be both difficult and debatable.  Within the U.S., the Canadian Maple Leaf (24-karat) and American Eagle (22-karat) coins are the most frequently used.  The American Eagle coin is guaranteed pure by the U.S. Mint. Outside the U.S., the Canadian Maple Leaf dominates.  It's also easier to sell the South African Krugerrand and Austrian Vienna Philharmonic. The U.S. made a pure gold coin called the American Buffalo in 2006.  It was intended to compete with the Maple Leaf, but it's not used as frequently. Actual gold weight (AGW) of your coins is typically displayed in Troy ounces (i.e price per troy ounce).  If the ounces aren't displayed, weigh the coin first.  After it's weighed, you'll need to know the amount of non-gold metals inside the alloy.  Once you know the AGW, multiply it by the gold price per Troy ounce to know the value of your coin.  For impure coins, you'll have to break down the fraction included in AGW.  For instance, if the coin were to weigh two ounces, and it was 50% pure, you'd have 1 Troy ounce AGW. Keep in mind a Troy ounce (31.1 grams) is not the same as a normal ounce (28.35 grams).  If not specifically listed, you'll need to confer with a professional to determine the non-gold metals in your coin. Convert grams to AGW by dividing the grams by 31.1035. Some coins are standardized, and have the weight in Troy ounces displayed prominently.
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One-sentence summary -- Research the spot gold price. Choose the gold coin to sell. Determine the weight and value of your gold.

Problem: Article: Some people may be allergic to tea tree oil. Doing a skin patch test will help you determine whether or not you are allergic to tea tree oil. If you are planning on using tea tree oil as an air freshener, room spray, or cleaner, then you don't have to do a skin patch test. This carrier oil can be any food grade oil, such as: almond, coconut, olive, sunflower, or sweet almond. You can also use jojoba or Argan oil as a carrier oil. The band aide will help keep the area moist and prevent the oils from evaporating. Do not allow the band aide to get wet during this time. If you start feeling pain, burning, itchiness, or discomfort at any point during this time, remove the band aide immediately. Wash the area with warm soap and water. You are likely allergic to tea tree oil and should not use it on your skin. If you don't notice any irritation, you probably are not allergic to tea tree oil and can use it on your skin.
Summary:
Consider performing a skin patch test before using tea tree oil for the first time. Combine three drops of tea tree oil with ½ to 1 teaspoon of a carrier oil. Place a few drops of the diluted oil onto the inside of your elbow and cover the area with a band aide. Leave the band aide on for 24 to 48 hours. Remove the band aide after 24 to 48 hours.