Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to do envelope budgeting [title] Create your budget. [step] This means dividing your money into categories. Avoid " miscellaneous " categories, as you should ideally know where your money is going.

Ending1: When consulting with a financial planner, he or she can help you determine what you need to do to save money and to be able to achieve your long-term goals. [substeps] To gather your funds, write down the best version of your expenses each month. Ending2: Instead, consider buying what you can really afford. When you first start investing in an investment-thinking it might be more fun to spend less money-make a list and remind yourself that you have enough capital to sustain a business. Ending3: [title] Decide what you will do with your envelope savings account. [step] Depending on your personal finances, you might have some savings accounts. Ending4: Some suggestions include : [substeps] Rent or mortgage payment childcare automobile costs: gas, insurance, repairs, etc. Groceries club fees (or some type of organization): gym, girl scouts, yoga studio, etc.

Answer format: ending1/ending2/ending3/ending4