16. You overhear your cousin talking about the importance of creating and sticking to a budget. Which of the following reasons he gives below is actually FALSE?
a. A budget can help you identify any bad spending habits.
b. Using a budget can allow you to work towards your financial goals.
c. Having a budget can help you create an emergency fund.
d. Using a budget can qualify you for special discounts at your favorite stores

Match the situations that will develop one's personality and those that won't peter is surrounded by friends who are always encouraging him jonathan always watches television when he wants to take a break from his books libby sets small targets for herself and strives to achieve them. the smiths indulge in an animated discussion on varied topics every evening after dinner. brook loves junk food and exercises once in a while. develops your personality develops doesn't develop your personality