Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to rein in excessive spending [title] Find out what you actually spend. [step] You might be aware of an excessive spend, but how excessive is it? Write down all your monthly income versus monthly expenses and see where the problem or problems lie. Start with your income and write how much you earn per week or per month after payroll or income taxes.

Ending1: This will be a helpful guide in this section. [title] Determine how much you have in savings. Ending2: Simply spending a few days every week or two on your bills should be sufficient to address this problem. [substeps] For example, if you don't use your money at all during the day, but spend $24 in savings, going to the bank is still excessive. Ending3: On the other side of the ledger, write your expenses such as food, fuel, utilities, equipment, clothing etc. Balance each total and see if you are in the red (overspending) or in the black (in credit). Ending4: [title] Ask yourself if you have an excessive spending loin. [step] Some people who spend extremely little cash on high-cost purchases may be working away at this deficiency in how they spend their time and are willing to make small changes.

Answer format: ending1/ending2/ending3/ending4