response 4.1

Read your classmates' posts and respond thoughtfully to at least two of them.

To pay for anything, use cash rather than a credit card or other cards. It's a lot easier to notice when you're getting close to the bottom. Make a list of all of your monthly earnings and spending. Make a weekly budget for things like food. Once a week save some amount of money for that day you're going to buy a single pricey item you truly need, such as shoes or a specific device. When you're considering purchasing an expensive item, ask yourself if you truly need it. The answer is typically no if you already have one. 

Also another thing which I found useful is that pack your lunch at home or eat at home. In a month we are spending $300 on food. Buying lunch a few times a week may appear innocuous at first. Also make a coffee at home we are spending $5 each day on coffee. save money by just making your coffee at home.