3 Budgeting	Questions (use the Wall Street journal complete personal finance guidebook) by Jeff Opdyke	Answers
1.	Fixed costs that are billed less often than monthly should or should not be considered an emergency expenditure.
2.	Emergency funds should be kept ___________.
3.	________ allow one to allocate and reallocate discretionary income on the fly.
4.	If you are single, by subtracting your minimum necessary living costs from your take home pay will yield the monthly __________ funds you will need.