Please choose the correct ending to complete the given sentence: Home and Garden: [header] How to save money on everyday things [title] If you are paying high interest charges on cars, mortgages, etc. [step] You may be wasting a lot of money. Consolidating your debt into one small bill may be helpful and economical.

Ending1: [title] Compare your mortgage companies to see who would offer you the best deal. [step] Your home mortgage is your highest debt; why not look for a good deal. Ending2: Just pay off those debts on a day to day basis. You may feel like you don't have enough money to make regular payments. Ending3: To make your monthly expenses less stressful, split the bill in half and make one single monthly payment. Monthly payments will save you a considerable amount of money, even though you will pay out more debt each month. Ending4: [title] Convert your own retirement savings money into a monthly savings plan. [step] The idea is to save a part of your birthday and christmas payments the same month they will be due.

Answer format: ending1/ending2/ending3/ending4