Exhibit 1: Carrie's Paystub Answer This: 3. What information from Carrie's paystub is important to know and use when creating her budget? Net Pay Now that you both know how much money Carrie is working with, the next step in creating an effective budget is to track expenses. In order to create a budget and see where Carrie can find the extra money for her rent, you have to see where she spends her money each month. Carrie uses her debit card for most purchases, so she can somewhat easily track her monthly spending by looking at her bank account transactions. She prints her last bank statement, credit card statement, and pulls out her most recent receipts to give to you. She loves to shop, so her clothing expenses are a bit high. She charges an average of $300.00 per month on a credit card to her favorite store - Clothes, Clothes, Clothes. Her minimum monthly payment on this account is approximately $20.00 (she must pay at least this amount each month, but strives to always pay it off in full)