单选题 A budget is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course, preparing a budget takes planning, and following a budget takes willpower (自制力). Your budget should meet your family"s needs and income.
The first step in creating a budget is to set your goals. What does your family need and want? You must know all that to work out the details of the budget. Never spend more than you can. Then decide which goals are the most important.
The next step is to estimate family income. Before you can plan wisely, you need to know how much money you have to spend! Write down all the money you expect to receive, such as wages, saving, interest, etc., during the planned budget period. After you have calculated how much money will be available, it is time to estimate expenses. List all your family expenses. Look carefully at your spending. Studying your records will show where overspending has occurred.
It is also a good idea to set aside a small amount of money for emergencies. Every family has small emergencies.

单选题 What is a budget? It is a plan ______.

单选题 The first step in making a budget is to set up goals. What do the "goals" refer to?

单选题 A good budget should ______.

单选题 Studying a record of your spending will ______.

单选题 This passage is mainly about ______.