Multi-select problem: How does the next paragraph end?

How to work out a repayment plan
Formulate a budget.
In its simplest terms, a budget is just a record of how much income you have vs. how many expenses you have. A good budget will track all of your sources of income (e.g., main paycheck, child support, side jobs, etc.

Options are:
*) and calculate how much you can realistically afford to cut out your largest sources of revenue. Analyze the total cost and determine how much you can reasonably cut out of your annual salary.;
*) and record these costs on a spreadsheet. Look at how you compare these different sources of income to determine if your plan is a good choice.;
*) as well as your regular spending (e.g., bills, food, clothing, etc. ) Contact your creditor as soon as possible.;
*), as well as any irregularities such as health costs, debts, etc. If you've written down your monthly income, you can now create a breakdown of all of your expenses or find other ways to estimate those expenses.;
) as well as your regular spending (e.g., bills, food, clothing, etc. ) Contact your creditor as soon as possible.