Which of the following is the last step in creating budget

A. Identify Variable expenses

B. Indentify income

C. Identify fixed expense

D. Determine savings or debt

Answer D, determining savings or debt, is correct. The first step is identifying and writing down your financial goal (s). The second one is to start writing down every single one of your transactions, this is the most important because it shows you your spending habits. The third step is to create the actual budget. Set aside a certain amount of money for each bill/necessity. The last step is to determine what your savings are.