Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid chapter 7 bankruptcy [title] Create a budget. [step] To avoid bankruptcy, you first need to live within your means. Create a detailed budget and live by it.

Ending1: To begin, you should list all your monthly expenses, including your current debt load. Look at the last six months and write down everything you spend money on. Ending2: Look up the following to help you make it easier : [substeps] Start with the essentials first. Your expenses should be about the same, and you can find these items on your bank statement. Ending3: For example, if you have $80.00 in monthly payments, you need to reduce this to $7 , 000 each month. If you have more, and you need more money to move forward, use a savings account instead. Ending4: Give yourself a piece of paper and pencil and outline everything you need to budget. [substeps] Discretionary spending can be very helpful.

Answer format: ending1/ending2/ending3/ending4