This is a test of commonsense with single/multi-choices. Complete the next sentence:

How to afford daycare for second child
Make a budget.
Making a budget is essential because it shows you what you make, what your expenses are, and where you can afford to cut. Sticking to that budget can be difficult, but doing so can help you get closer to affording that second child.

OPT:
(I) As you file your income report, try to assess the area of your budget that you can make more money with. The more areas you budget, the more money you will make..
(II) Look for expenses you may not be able to afford up front because of the year you are in school. If you live in a large area, you may need tuition or other form of financial assistance..
(III) Make a list of all your expenses. This will help you decide if you want a second child, how much you are willing to raise, what your bread allowance is, and the rest of your monthly expenses..
(IV) Start by figuring out exactly how much you make. Of course, your income may vary, but do your best to figure out what your total income is..
The answer is:
(IV)