Suppose you are preparing your personal cash budget for the year 20X2. During 20X2, assume you expect to earn $3,600 from your summer job and $1,500 for work in the college cafeteria. Also, your family always gives you gifts totaling around $800 during the year. A scholarship from your home church adds $1.000 each year while you are in college. Your family pays your college costs except for room and board. Planned expenditures for 20X2 include apartment rent of $150 per month for 12 months and annual food costs of $4.800. Gas and other auto expenses usually run about $50 per month. You need to have a little fun, so entertainment will eat up $100 per month. You need to keep a little cash in reserve for auto repairs and other emergencies, so you maintain a cash reserve of $300 at all times. To start 20X2. you have this cash reserve plus $200. Will you need a loan during 20X2? To answer this question, prepare your personal cash budget for the year based on the data given.