Q: Collect past bills, bank and credit card statements, and receipts that can allow you to put together an accurate estimate of how much money you spend every month. Personal finance software is quickly becoming the new trend in finance. These programs have built-in budget making tools that can help customize your budget, along with analytics that help you project cash-flow into the future and better understand your spending habits.  Some popular personal finance software include:  Mint Quicken AceMoney BudgetPulse If you choose not to use a budgeting software, you can determine your own budget by using a simple spreadsheet. Your goal is to chart all your expenses and income during the course of a year, so make a spreadsheet that shows all your information clearly, allowing you to quickly identify any areas where you can spend smarter.  Label the row of cells across the top (starting with cell B1) with the 12 months of the year. Create a column of expenses and revenues in column A.  You can list either revenues or expenses first, but try to group expenses together and revenues together to avoid confusion. You may want to group expense together with category headings.  For example, you might have a category of “utilities” that includes your electric, gas, water, and telephone bills. Decide whether you want to include items that are deducted directly from your paycheck such as insurance, retirement savings, or taxes.  If you do not include them on your spreadsheet, be sure that you list your net (post-deduction) income rather than your gross (total, pre-deduction) income under the “revenue” section. Add all of your expenses and revenues for the past 12 months, using data from your bank and credit card statements to provide an accurate representation of all of your revenues and expenses. Are you on a fixed salary where you know for certain how much you're taking home each week? Are you a freelancer whose salary varies each month? Documenting a year's history can help you get an accurate view of your average monthly revenue.    If you are an independent contractor or freelancer, keep in mind what you bring home is not the same thing as what you earn. For example, you may bring home $2,500 every month, but that's pre-tax. Figure out how much you're likely to need to pay in taxes and subtract that from your monthly income to arrive at a more accurate number. If you are a salaried employee, don't factor in a possible tax refund into your overall income. Your monthly income should reflect only what you bring home after taxes. If you do get a tax refund, you'll get to do with it as you please; if you don't, you won't need to worry about it. What are the bills that you have to pay every month? How much do you spend every week on groceries and gasoline? Do you go out to dinner with friends every Friday night or to the movies once a week? How much money do you spend on shopping? Tracking a year of actual spending will help you develop an accurate view of your spending habits, since most people underestimate the amount they believe they spend every month. If your expenses are greater than your revenue, you are living way beyond your means.  Your budget should be divided into two groups:   Fixed Expenses. These include regular monthly expenses such as bills, insurance, loan debts, food, and necessary shopping items like clothing and household products.  Discretionary Expenses.  Discretionary expenses are unfixed expenses that may be “optional.” Items that fall into this category include savings, entertainment, vacation funds, and other luxuries.
A: Gather what you need to start tracking your spending history. Consider using software to help you budget. Create a spreadsheet. Document your historical budget data for the last 12 months. Determine your overall monthly revenue history. List all of your monthly expenses on the spreadsheet. Analyze your revenue and expenses.

Article: Hydrating shampoos don’t strip away your hair’s natural oils. Look for a product advertised as “anti-breakage,” “strengthening,” “restorative,” or “repair.”  To apply, wet your hair in the shower and pour a coin-sized amount of shampoo into your palm. Massage it into your scalp and roots, then rinse well under cold water. These shampoos will help to seal your split ends and thicken your hair while keeping it shiny. Make sure that you rinse your hair thoroughly both before and after you apply the shampoo. Look for a conditioner that includes strengthening proteins and that’s specialized for your hair type. Pour a dollop into your palm and smooth it over your strands, from about mid-length to tips. Rinse off with cool water. once a week to renew and repair your hair. While your hair is still wet, rub a quarter-sized amount of deep conditioner between your hands. Gently massage it into your hair from mid-length to tips. Then, pin your hair back and let it soak in for 10-30 minutes.  You can place a shower cap over your head to keep the deep conditioner in place. To save time, wash and deep condition your hair at the beginning of your shower. Leave the conditioner in place while you wash your body and rinse it out at the end of your shower using cool water. Look for a deep conditioner that matches your hair type, whether that’s fine, thick, natural, or curly. The usual terry-cloth towels can create friction that damages your hair, causing split ends. Blot your hair dry with a microfiber towel instead, which soaks up excess moisture without leaving your hair too dry. Avoid rubbing your hair with the towel, which can cause breakage as well. Washing your hair with “hard water”—water that contains minerals like chlorine magnesium and calcium—can damage your hair cuticles, which can weaken your hair and cause breakage. Installing a simple filtered showerhead can wash these minerals out, keeping your hair strong, soft, and shiny.  You can buy filtered showerheads online and in home stores. They can range in price from $30-$100. To find out whether you have hard water in your home, check your filter for a white film. This is left behind by minerals during evaporation, indicating that you have hard water. You can also search local news sources for information on local hard water. Search “[your area] hard water.” Over-washing your hair can strip it of natural oils, leaving it more vulnerable to damage and breakage. Depending on your hair type, try to wash it as little as possible—3 times a week is a good standard to shoot for. If your hair gets oily more quickly, try a dry shampoo for a quick clean that won’t cause damage.
Question: What is a summary of what this article is about?
Wash with a restorative shampoo to strengthen your hair. Use a strengthening conditioner to moisturize the ends of your hair. Use a deep conditioner Dry your hair with a microfiber towel to avoid frizz-causing friction. Install a showerhead filter to sift harsh minerals out of your water (optional). Wash your hair 3 times a week to avoid drying it out.

Q: It's important to be as poised as you can at all times. Show that you can be well-revered by practicing punctuality upon arrival and also when it's time to board. Understand that it will be relaxed in the luxury lounge, and your host or concierge will remind you prior to being escorted to your seat on the flight.  Avoid doing thing's like showering or ordering big meals only prior to boarding. If you have a big stop-over or waiting time, you may have adequate time to do these things. Fend to be ready to go at least 30-45 minutes before the expected boarding time. Understand that holding up people when boarding is actually holding up the entire airline from Economy to First Class. Because you will be the first group boarding and settling in, it's important to show respect by being where you need to be at the right time so thing's run smoothly and you can get to your destination on-time. There is no need to rush, you have a verified seat on the plane, so show humility by letting other first class passengers board or seat before you. This is a sign of respect and implies that you are a person with a dignified nature. Before you depart on the next leg of your journey, it's important to say farewell and thank your host from the first class lounge, you may never see them again. If you feel so inclined, you could tip them for their service as a sign of your appreciation before they hand you over to your next porter.
A:
Be punctual. Exercise humility. Thank your first class host.