Summarize the following:
Once you have a solid grasp on what you are spending your money on, you can start cutting out expensive habits.  Smoking is an extremely expensive habit that can also lead to expensive medical bills, so do whatever you can to quit. Buying coffee every day instead of making it yourself can really add up. If you don't like plain coffee, try searching online for recipes that are similar to the specialty coffee drinks you like to buy. Buying bottled water or other drinks is extremely expensive compared to refilling a reusable water bottle with tap water throughout the day. Buying lunch five days a week instead of bringing leftovers to work with you can be a real budget-killer. If you can't commit to bringing lunch every day, start by bringing lunch a few times a week. Playing the lottery on a regular basis is probably not a wise use of your money if your budget is tight. You can save on everything from your next car to furnishings for your home by buying gently used items.  You can sometimes find really great clothes that have barely been worn at thrift shops for a fraction of the price. Don't forget about looking for electronics that have been refurbished by the manufacturer. If you are crafty, buy solid but ugly furniture at a yard sale or flea market and freshen it up with paint instead of splurging on a new piece. If you pay for monthly memberships or subscriptions, carefully assess how much they cost, how much you use them, and whether you could give them up.  Make sure you're not paying for services that you never use. For example, if you have premium cable channels that you never watch, you can cancel them without feeling like you are making any sacrifices. The same goes for your cell phone bill if you are paying for more data than you ever use. If you belong to a warehouse club, try to calculate how much you save on products by shopping there in order to determine if the membership cost is worth it. Look for less expensive alternatives if you do use the services. For example, if you go to the gym regularly, you probably shouldn't stop exercising to save a few bucks, but you may be able to find a cheaper gym to go to or even a less expensive membership option at the same gym. If you're on a tight budget, you want to make sure you're always getting the best deal on absolutely everything. Take some time to compare prices for items you purchase regularly and for large purchases.  If you've had the same auto insurance carrier or cable company for a long time, there might be better deals out there, so be sure to comparison shop regularly. Shopping for necessities online can be cheaper in some instances, but make sure you take shipping charges into account. Use coupons to save some extra cash. Keep in mind that many retailers accept competitors' coupons. Be careful about driving long distances to save a small amount of money. You might end up spending more on gas to get there than you actually saved! Watch out for "deals" on items you weren't planning on buying in the first place. Even if the price is great, you will save more by not buying it at all. You can always ask your service providers for better deals, especially if you've been a loyal customer. The worst they can say is no. Try this with your cable and internet providers, insurance companies, and cell phone carriers. Whether it's dining out or going to amusement parks, entertainment can eat up a big chunk of your budget. Look for less expensive ways to have fun.  Learn to cook at home and keep the fridge well stocked with ingredients for things that you know you can cook from scratch when you come home late and don't have much time to whip up a grand meal. Instead of going out to eat with friends, invite them over for a potluck. Look for free concerts and inexpensive shows in your area. You can also have a great time by simply walking around town! Don't feel like you need to buy a souvenir whenever you go to an event. If you like sporting events, try attending high school games instead of college or professional games. Always look for deals if you plan on going out. Lots of attractions offer discounts if you purchase your tickets online. It may be convenient to use a laundry service or to have someone else shovel your driveway, but if you're physically capable of doing these things yourself. Think about the money you can save. If you're not very handy, try to teach yourself to do more around the house. If you need a simple repair done, you may be able to watch a video online or take a class at a local home improvement store to learn how to do it yourself. Go green around the house to save money on your utility bills each month.  Sealing up air gaps can reduce your heating and cooling bills. If you own your home, investing in a properly insulated attic can make a huge difference. Turning your heat down just a few degrees in the winter can make a big difference in your energy bills as well. A programmable thermostat will let you automate the temperature of your house so you won't spend money on heating the place to a comfortable level when you're not at home. (You still need to keep the house warm enough so that your pipes won't freeze.) When buying appliances, look for energy efficient options. You can also switch out incandescent light bulbs with LEDs to save some money on electricity. Always turn lights off when you leave a room and unplug electronics when they are not in use. Choose your bank and credit card providers wisely in order to avoid unnecessary fees.  Make sure to only use the ATM at your bank if you will get charged for using outside ATMs. Avoid penalty charges by always paying your bills on time. Look for a bank or credit union that offers free checking and savings accounts. After a while, it becomes a game: "How can I run my life today without writing anything down in my little blue book?" "How ingenious can I be to make do with the things, food, and resources I already have at my disposal?" See how often you can turn this into a habit.

summary: Assess your daily or weekly spending habits. Buy used items. Look for monthly expenses that can be cut. Compare items or brands when shopping. Ask for a better deal. Spend less on entertainment or at restaurants. Do more yourself. Save money on energy. Avoid bank and credit card fees. Aim to have a few no-spend days a month.


Summarize the following:
In order to solve any physics problem you must know which equation to use. Writing down all of the known information is the first step to finding the right equation. If you know values for the distance, time, and acceleration, you can use the following equation:  Initial velocity: Vi = (d / t) - [(a * t) / 2]  Understand what each symbol stands for.   Vi stands for “initial velocity”  d stands for “distance”  a stands for “acceleration”  t stands for “time” Once you have written the known information and determined the proper equation, you can fill in values for the appropriate variables. Carefully setting up each problem and writing out every step of the process is important. If you make a mistake, you can easily find it by looking back at all of your previous steps. With all of the numbers in place, use the proper order of operations to finish the problem. If you’re allowed, use a calculator to limit the number of simple math mistakes.  For example: An object accelerating west at 7 meters (23.0 ft) per second squared traveled a distance of 150 meters (492.1 ft) within 30 seconds. Calculate the initial velocity of that object.  Write the known information:  Vi = ?, d = 150 m, a = 7 m/s2, t = 30 s   Multiply the acceleration and time. a * t = 7 * 30 = 210 Divide the product by two.  (a * t) / 2 = 210 / 2 = 105 Divide the distance by the time. d / t = 150 / 30 = 5 Subtract your first quotient from the second quotient. Vi =  (d / t) - [(a * t) / 2] = 5 – 105 = -100 Vi = -100 m/s west Write your answer correctly. Include a unit of measurement, usually meters per second or m/s, as well as a direction the object was traveling in. Without providing information about the direction, you only have a measurement of speed rather than velocity.
summary: Know the right equation to use. Fill in the known information. Solve the equation.