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
Answer:
b. Because none of the precautions they took were effective, the pharaohs found a new burial ground in the Valley of the Kings.
Explanation:
According to the excerpt from "Egyptian Tombs: A Grave Matter,” the cause-effect relationship is illustrated in the fact that pharaohs understood their burial places were in danger of thieves, so they decided protect their tombs and treasures in the Valley of the Kings, whose location was much harder for thieves to break in.
Answer/Explanation:
The two correctly cited sourxes are:
1. Bravo, Susana. "Amazonian Black Howler Monkeys: Seed Dispersers or Pests?" Biotropica, vol. 40, no. 8 (2008), pp. 71–76.; and
2. Martins, Marcel. "Pollination and Pollinators of the Amazonian Forests." Global Rainforests, vol. 19, no. 5 (2015), pp. 17–28.
These two are correct because they contain the title of the work, the title of the journal, it's volume, year of publication and the page where the work is located in the journal.
Cheers
