Avril has created a budget for the next three months. They set a goal to save $50 each month toward an emergency fund while also reducing the amount they spend on food. The biggest
obstacle is that Avril eats almost every meal out, sometimes spending more than $20 each day
on takeout food. Which of the following aspects of financial planning could be most helpful to
Avril?
O a. Identify and evaluate alternatives
O b. Develop personal goals
O c. Write down the financial plan
O d. Implement the plan