Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to create a budget sheet [title] Understand how a budget works. [step] A budget is a plan for how you will and can spend your money. It helps you see where your money is going; can help you save for a vacation, car, college, or retirement; and can help you stay out of debt.

Ending1: An accounting notebook, or journal, can provide support for those expenses. [substeps] You will also want to help plan for the future. Ending2: [substeps] You can calculate basic expenses such as employee wages, for example. You should also try to include such necessities as rent, living space, mortgage, credit card debt, career insurance, and health insurance. Ending3: The bottom line of a budget is that your expenses be equal to or less than your income. [substeps] Expenses (also called expenditures) are costs that you have: bills, loan payments, dry cleaning, food, clothes, and other needs. Ending4: [substeps] A budget sheet is a pattern that you follow to figure out the best amount to spend each month. For example, your budget might have 6-month periods, month after month, and year after year.

Answer format: ending1/ending2/ending3/ending4