Yvonne has a goal of buying a brand new home within a year. She's afraid that she will be unable to save the money that she needs for a down payment. Which of the following should not be part of Yvonne's plan for achieving her goal of buying a home?
a. Delay buying the home for a few months
b. Borrow the money for the down payment and pay it back later
c. Adjust her budget to save more each month
d. Take on a part-time job to earn extra income
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