Please choose the correct ending to complete the given sentence: Home and Garden: [header] How to spend less on credit cards [title] Ask yourself if you really need the purchase. [step] Think before you buy. It may sound obvious, but it is incredibly important to weigh up the benefits of purchasing an item or service now with waiting a bit longer when you have the cash spare.

Ending1: Ultimately, budgeting is key, if you buy less, the odds are it is over the top and you'll save more. [substeps] If you are looking to eat out at a fast food place or a restaurant, you need to think twice before going into that place. Ending2: [title] Before going out on a budget, consider buying an item that you know you absolutely don't need but you won't ever wear again. [step] Take your local shopping center and ask how they are doing. Ending3: Do some mental calculations first about the urgency before slapping it on the card. [title] Consider if you need to use the card. Ending4: After thinking it through one more time, go ahead and buy it. In the long-run, it will be much cheaper than getting an item that will be on your credit card every month or for the same amount of time.

Answer format: ending1/ending2/ending3/ending4