Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid bankruptcy [title] Total your monthly expenses. [step] The easiest way to avoid bankruptcy is to pay off your debts by coming up with a budget. Begin by going through your monthly expenses.

Ending1: Make a note of the total cost you incurred in addition to the net monthly expenses. The amount multiplied by the number of hours worked per month will indicate the total number of hours you have needed to pay off your debts. Ending2: You can either write down a list of monthly expenses or look at your credit card and debit card statements for the past six months. Common monthly expenses include the following : [substeps] Rent or mortgage utilities food health care insurance transportation child care expenses minimum debt payments [title] Add up your monthly income. Ending3: In order to reduce your monthly expenses, inflate your monthly spending by subtracting the cost of food, rent, and a car. [substeps] In addition to practicing self-employment, you can reach out to others you know in your community about your budget. Ending4: Pay them all off in one payment method that you can easily subsidize. You can then pay off your debts by bringing in your monthly rent, discharge, and you see what you can make out of each month.

Answer format: ending1/ending2/ending3/ending4