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:
Explanation:
Various Causes of Plastic Pollution
Plain Old Trash. Plastic is everywhere, even on those items you may not expect it to be. ...
It is Overused. ...
Fishing Nets. ...
Disposing of Plastic and Garbage. ...
It Upsets the Food Chain. ...
Groundwater Pollution. ...
Land Pollution. ...
Air Pollution.
<u>Explanation:</u>
Communication generally refers to the process of conveying thoughts or information from one person to another.
<u>Functions</u>
- It allows for information transfer.
- enables social interaction.
- allows the expression of emotion.
<u>Process of communication</u>
The process of communication involves the following:
The Speaker: who acts as the source of the information.
The Receiver: is the recipient of the information or message.
The Message refers to the thoughts sent by the speaker in either words or actions.
The Channel is the medium of communication, such as verbal or nonverbal, communication.
The Feedback refers to the responses provided by the receiver to the speaker
It is thanks to his jealousy that the Frog becomes the sole singer at the end of the poem.
He envied the Nightingale's talent and therefore tricked the Nightingale into practicing so much it died. After the Nightingale's death, the Frog became the only (and therefore best) singer. The Frog's success was only possible due to his jealousy. If he had not been jealous of the Nightingale, the Frog would not have become the singer he became.
