1. Which of these costs would be the MOST difficult to adjust if you were looking to reduce your expenses?
Loan payment on a new car
You earn a salary of $40,000 per year and decide to save 20% of your gross pay. You then set a goal of creating a $16,000 emergency fund. How long will it take for you to achieve your goal?
2 years
Which of the following is a sign that you have a budget deficit?
You overdraw you banking account on a consistent basis
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