Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to create a budget [title] Record the net monthly income that you receive. [step] Net income is the amount that you actually get to take home, after all the deductions (taxes, health care) have been subtracted. Include other sources of income as well if applicable, such as tips, monthly bonuses, cost of living increases, dividends, interest income, etc.

Ending1: [substeps] What do you do if your income is constantly changing? You pretty much have to do things topsy-turvy. Determine all your essential, priority and lifestyle expenses first. Ending2: [title] Divide the net monthly income by monthly expenses. [step] In order to create a budget you must get all sources of income from all sources, whether it is loan and paycheck withdrawals, education expenses, rent payments, etc. Ending3: Record these sources with the deductions being deducted. [substeps] Make a note of any expenses you don't normally contribute. Ending4: [title] Try to determine whether your net monthly income actually covers some expenses. [step] Deductions such as principal can be deducted separately from net income.

Answer format: ending1/ending2/ending3/ending4