The first step to start saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip.
Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Use your credit card and bank statements to make sure you’re accurate—and don’t forget any.
Tip: Look for a free spending tracker to help you get started. Choosing a digital program or app can help automate some of this work. Bank of America clients can use the Spending & Budgeting tool, which automatically categorizes your transactions for easier budgeting in the mobile app or online.
Once you have an idea of what you spend in a month, you can begin to organize your recorded expenses into a workable budget. Your budget should outline how your expenses measure up to your income—so you can plan your spending and limit overspending. Be sure to factor in expenses that occur regularly but not every month, such as car maintenance.
Tip: Include a savings category—aim to save 10 to 15 percent of your income
The participial or infinitive phrase in each sentence are in bold
Julia withdrew money from each paycheck to renovate her old and dingy bathroom.
Humming to himself, he appeared in good spirits as he walked to the office.
Audience members, bored by the dull guest speaker, quickly lost their interest in the presentation.
To become an expert archer, Natasha dedicated long days to repetitive target drills.
The movie featured an unknown actress described as a rising star.
To gain admittance to Yale University was Nicholas's top priority.
Tonight's gala event is an effort to help raise money for natural-disaster relief.
Answer:
Following the paths of others
Making a point of rebellion
Spending time in nature
Taking many interesting walks
Explanation:
This is a poem about love that has been lost and he is sad. I am not sure which of your answers meet this definition of the poem, but he has many interesting walks in life. He just wishes that he could still have that love that is lost. The snow is a symbol for pain and suffering and his heart is aching. It is not just about nature and walking through it, but trying to follow that old path that he cannot follow any longer.
I believe the answer is conflict. I hope this helps!:)
