Multi-choice problem: Continue writing the next sentence in this paragraph:

How to spot unhealthy spending habits
Use an app to track spending and spot bad habits.
There are all sorts of apps designed to help you keep track of your spending. These can be useful to help spot spending habits that you might want to adjust.

Possible answers:
(I) These apps can help you track your spending, even if you don't note them on a daily basis. Many apps are free to download, so you can check a variety of options to get a feel for habits that you should be able to ignore if money is an issue..
(II) The level app, for instance, links to your bank accounts and tracks your electronic spending. It's designed to help you learn how to save, and helps point out spending habits that are keeping you from doing so..
(III) The disadvantages of these apps are that they are often hard to use regularly. They have features that allow you to see your spending habits, but no way to take detailed measures to see how much you are spending..
(IV) Start a journal for at least five days to record purchases. You can then track your spending throughout the week or month..
(II)