Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to negotiate with creditors [title] Create a budget before you determine what you are able to pay your creditors. [step] You need to be able to pay your current bills to avoid acquiring more debt. Start by recording and adding up all of your expenditures for a month.

Ending1: Once you have an estimate, you can cut out about half of your expenses. [substeps] Consider creating a calendar of to-do lists-both for yourself and the creditor to see. Ending2: This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income. Ending3: Once you've made all your monthly expenses, go back to the company's planning of purchases, including these expenses. Having several drafts with you before you try to negotiate may help focus on finding a payment program that will help you pay your creditors. Ending4: After half a month, request a savings account, credit card, or other credit for your cash purchases. Even small expenses cannot get away from you if you are willing to pay off a large financial cushion for emergencies.

Answer format: ending1/ending2/ending3/ending4