It was a mixture of various reasons, although for the Spanish and Portuguese it was a question of reaching India for spice trades after the embargo instated on them by the Ottoman Turks.
The Portuguese went around Africa, and the Spanish tried sailing west across the barren ocean, and accidentally discovered America through Columbus.
She should try to reduce her expenses as much as possible, prioritizing the things and services she needs and curtailing luxuries.
A. predictable and generally have a higher interest rate