Most consumer purchases are for consumable goods or services and are budged from _____ and are paid for by using _____. 

current income; a credit card even if it cannot be paid at the end of the month if it is necessity item investment income; the investments with the lowest return percentage current income; cash or a debit card, or by using a credit card for short-term financing your line of credit; a credit card in order to keep all of your expenses on one bill