Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to understand personal finance basics [title] Gather your financial statements and information. [step] Creating a budget is one of the most important aspects of personal finance. A solid budget allows you to plan for how you'll spend the money you bring in each month and illustrates your spending patterns.

Ending1: Be as detailed as possible and make sure your monthly spending are consistent, not just the monthly activities. To begin with, start by looking over your financial statements and research possible financial partners. Ending2: To begin, gather all the financial information you can, including bank statements, pay stubs, credit card bills, utility bills, investment account statements, and any other information you can think of. [substeps] Most people make monthly budgets so your goal is to figure out how much you make in a month and what your monthly expenses are. Ending3: A budget is a visual and quantifiable picture of your life. [substeps] Financial statements can help you determine your income and expenditures. Ending4: You can set your own budget for each month, but take stock of how much money you put into various areas of your life. If you have significant accounts where you can store expenses, you may want to diversify a bit.

Answer format: ending1/ending2/ending3/ending4