M: Hi, Nancy. Could I borrow some money until payday?
W: Uh, yeah, I guess. How are things going anyway?
M: Well, not very well.I've used my credit cards to pay off a lot of things recently,but now, I can't seem to pay the money off.
W: Uh, do you have a budget?I mean,(1) _____________________________________?
M: No, but I guess I should have some financial plans.
W: Well, let me see if I can help you.How much money do you spend on your apartment?
M: Uh, I pay ＄890 on rent for the studio apartment downtown,not including utilities and cable TV.(2) _______________________________.
W: Uh, ＄890! Why are you paying so much for such a small place when you could find a cheaper one somewhere outside of the downtown area?
M: Yeah, I guess.
W: How much money do you spend on entertainment a month?
M: Well, I spend a few dollars here and there on basketball and movie tickets,a concert or two, and ballroom dance lessons.
W: Uh, exactly how much do you spend on all of these?
M: Well, oh...about ＄400.
W: No wonder you're having money problems.(3) _____________________________!And what about transportation?
M: Oh, I commute to work everyday in my new sports car,but I got a great deal, and my monthly payments are only ＄450.
W: Well, I think you've got to reduce your spending,or you'll end up broke.I suggest you get rid of your credit cards,cut down on your entertainment expenses,and sell your car.Take public transportation from now on.