Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to know when to use your rainy day fund [title] Check if the expense is necessary. [step] You didn't build up a rainy day fund simply because you might want to buy new clothes or new appliances. Check if the expense is absolutely necessary.

Ending1: [substeps] Do you need something in order to do your job? If so, then it probably is a necessary expense. Car repairs or a new laptop are probably necessities because you can't work without them. Ending2: Otherwise, you could have a bad credit score. [substeps] Receipts come in handy when you need to pay bills for mortgages, utilities, food supplies, and other services. Ending3: [substeps] Check the amount of money you invest in your rainy day fund annually. Sometimes your donations should be due in the first few months and sometimes the expenses will become due the middle of the month. Ending4: If you're looking to save money, you should make sure that the expense is documented. [title] Determine whether the expense is eligible for default.

Answer format: ending1/ending2/ending3/ending4