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Which of the following statement is correct about budgeting? It serves as a bridge for achieving long-term goals. You should budget emergency fund and savings after you budget variable expenses. You don't need to review your spending and savings patterns regularly. Budgeting cannot help you live-within your income and develop wise financial management habits. Budget is a specific plan for investment decisions. An escrow account is used to collect from one's monthly mortgage payment. both real estate taxes and homeowner's insurance interest real estate taxes principal homeowner's insurance Which of the following are not useful ways to build a strong credit score? Use check or cash for every purchase. Avoid opening multiple credit card accounts all at once. Use a mix of credit such as credit cards, retail cards, instead of just one type of credit. Pay medical bills on time. Keep the total balance on your credit cards low compared to your total credit limit