This is a test of commonsense. Complete the next sentence:

How to avoid bankruptcy
Total your monthly expenses.
The easiest way to avoid bankruptcy is to pay off your debts by coming up with a budget. Begin by going through your monthly expenses.
You can either write down a list of monthly expenses or look at your credit card and debit card statements for the past six months. Common monthly expenses include the following : Rent or mortgage utilities food health care insurance transportation child care expenses minimum debt payments Add up your monthly income.