Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to maintain a budget for personal use [title] Determine your income. [step] Review recent check stubs. Total your monthly income.

Ending1: Mark, but not disclaimers, any unearned income you received from employers, or any equivalents. Define how many possible deductions you have on your monthly income. Ending2: [title] Determine all of your outgoing expenses, including bills and spending money. [substeps] The best way to determine your outgoing expenses is to only make purchases and pay bills through your bank account for a 30 day period. Ending3: Try to identify any discretionary income to help you keep track of your expenses. [substeps] Monthly income might include more money for housing, paying for a pet, paying a utility bill, or emergencies, such as a loan. Ending4: Compare it with your initial estimate of your credit score (ex: yes, use 25% less than 10% on a credit report) and compare this with what your income typically is. [substeps] For example, if you're making salary payments for the first time, you might need to borrow more to pay your bills.

Answer format: ending1/ending2/ending3/ending4