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
Loren, the new manager, is the <u><em>antithesis</em></u> of compassion; just yesterday, she fired two people because they were late to work once this week. Corporate headquarters, upset with declining sales, appointed Loren to replace a[n] <u><em>impotent</em></u> manager who had been spotted on the golf course during work hours one-too-many times. Loren's many changes and <u><em>emendation(s)</em></u><em> </em>to company guidelines caused a[n] <u><em>maelstrom</em></u> in both the warehouse and the salesroom. Employees faced evaluations and new instructions that drove many to resign; however, it was part of Loren's plan. The people who quit, she reasoned, were just <u><em>impediment</em></u> to meeting the expected monthly profit margin. Loren spent the first two weeks familiarizing herself with the <u><em>labyrinth</em></u> of shelves and palettes in the warehouse. Shreds of textiles littered parts of the packaging area; some were hefty snippets of wool, and others were <u><em>diaphanous</em></u> scraps of silk that hovered in the gust created by passing forklifts. She occasionally stopped to introduce herself to the workers, but she ceased her introductions after noticing the regular look of <u><em>chagrin</em></u> on workers' faces as they scrambled to look busy or stumbled over the proper responses to her questions. After the first round of resignations-and, firings, most of the workers were intimidated by Loren's <u><em>bestial</em></u> management techniques.
Hope this helps! Please let me know if you need more help, or if you think my answer is incorrect. Brainliest would be MUCH appreciated. Have a great day!
Stay Brainy!
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i dont know much but ill try
The main issue with the use of technology is that minors in grade school will be obsessed with texting and face-timing that they rarely focus on actual work and their future careers. They wouldn't even sleep cause their up all night on their technological device!
I would address that problem by making sure the device is shut off at bed time and limit it to 45 mins a day.
The answer is D. The title of a poem based on a piece of music that inspired it