Article: Instead of thinking how nervous you are, think of these feelings as excitement. You are excited about giving this speech and having the opportunity to share your thoughts and expertise on a topic. During your speech, use your nerves to energize your gestures and body movement. Try to keep it natural, however. Don’t pace around, but it’s okay to walk a bit if you feel comfortable doing so. Fear of public speaking is one of the most common phobias, but many of these people hide their nerves well enough that the audience isn’t aware of their anxieties. Don’t tell the audience that you’re nervous or anxious. If the audience perceives you as confident and positive, you will feel more confident and positive. Though many people think making eye contact will make their anxiety worse, it can actually reduce it. Simply find some friendly faces in the crowd and imagine that you are having a conversation with them. Allow their smiles to encourage you throughout the speech. Do not get hung up on mistakes. You may mispronounce something or stumble over some words, but do not let that bother you. Most people in the audience will not even notice. Set realistic expectations for yourself. Don’t beat yourself up if you make a mistake.
Question: What is a summary of what this article is about?
Read your anxiety as excitement. Speak confidently. Find friendly faces in the audience. Let go of mistakes.

Problem: Article: To save money effectively, you will need to first pay down any existing debt you may have, such as credit card debit or student loan debt. Do this in monthly payments and always try to pay down as much of your debt as possible, as fast as possible, as this will prevent you from being charged high interest rates. You can set up automatic payments through your bank where you pay down the same amount on your outstanding debts every month. With consistent payments, you should be able to pay down your debt quickly and efficiently. at your bank. Once you have paid down all your debts, you should open a savings account at your bank. Talk to a bank representative at your bank about opening an interest free savings account, where you are not charged a fee for depositing money into the savings account every month. Some savings accounts are also set up to reward you for depositing a certain amount into the account every month.  Depending on your employer, you may also be able to direct a portion of your paycheck into your savings account every month. Talk to your employer about this possibility. If you really want to ensure you do not spend any of your savings, you can open up a savings account at another bank that is not your main bank. This way, your checking account and your savings account are completely separate and are not easily accessible from one account or one debit card. Another option is to pay yourself first before you pay your bills. This means putting your paycheck into your savings account and then making recurring weekly payments to your checking account to pay for bills and expenses. This will help to ensure you do not neglect your savings account or use your savings to pay for unnecessary expenses. Set a minimum amount of money you will be depositing into your savings account every month and stick with it. This could be small, $200-$300 to start, especially if you have a high amount of expenses. Try to increase the amount as your income increases and your expenses become more manageable. Ideally, you should be saving a good amount of your income so your savings account continues to grow and thrive. Your employer may also have a retirement plan that you can enroll in, known as a 401(k). This plan allows your employer to match the amount of money you deposit in your 401(k) fund and the maximum annual contributions for these funds get larger the longer you work at the company. This can help you save for retirement and be smart about your savings. It can be difficult to save money every month, especially when you’re tempted to buy new clothing or go out every night. Focus on saving with purpose, where each dollar you save will act as an investment in future purchases or experiences. Think about a big ticket item you are saving for, like a new home or a continuing education course, or a life changing experience, like a two month backpacking trip or a semester studying abroad. Having a purpose for your savings will motivate you to continue to add to your savings account and reward yourself for being conscious of your spending.
Summary: Pay off any debt before you start to save money. Set up a savings account Commit to saving a certain amount of money every month. Use your savings as investment in a future purchase or experience.

If possible, try not to be outdoors at dawn and dusk, when many species of mosquitoes are most active. Keep in mind that mosquitoes are also most active when the weather is warm and humid. If you are planning on being outdoors during a time when you know there will be a lot of mosquitoes, protect yourself from bites by wearing tightly woven long sleeve tops and long pants.  Bright colors like red and yellow may attract insects, so stick to light colors. Woven fabrics like nylon and polyester offer better protection from bites than knit fabrics. If you are hiking in areas that have lots of mosquitoes, you may want to purchase special gear, including clothing that is treated to repel insects and a mesh head net. If you have a baby, make sure to protect the stroller with netting. Pay extra attention to covering areas where your skin is thin, such as ankles and wrists. Repellents that contain the active ingredients Deet or Picaridin are most effective. If you are concerned about the possible health risks of chemical repellents, you can buy products that contain lemon eucalyptus oil, which the CDC recognizes as an effective repellent. Certain plants, including lemon thyme, citrosa, and rosemary, are believed to produce oils that repel mosquitoes. Try crushing the leaves and rubbing them on your skin. These plants are not as effective and do not last as long as chemical repellents, so you will need to reapply frequently. Make sure your windows and doors have tight screens that will keep mosquitoes out. You should also ensure that there are no other openings into your home that a mosquito might use. Installing a screened-in porch might be a good option if you would like to spend more time outdoors without having to worry about mosquitoes
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One-sentence summary --
Avoid peak mosquito hours. Wear protective clothing. Apply an insect repellent. Try mosquito-repelling plants. Keep mosquitoes out.