1. What value does a spending journal have? a. It provides an opportunity to analyze where you may be wasting money. b. It provides a base from which you can easily create a personal budget. c. It...

1. What value does a spending journal have?

a. It provides an opportunity to analyze where you may be wasting money.

b. It provides a base from which you can easily create a personal budget.

c. It provides insight into your spending habits.

d. All of these.