Porinita is a single mother and trying to find where her money goes because she is not saving as much as she thinks she is. Use the following information to answer the question.

Gross monthly income: RM5,000

Income taxes withheld monthly: RM300

Monthly interest income from investments: RM300

Monthly insurance payments: RM500

Monthly housing expenses: RM2000

Monthly food expenses: RM900

Miscellaneous expenses: RM2000

What is Porinitas current savings ratio?

Select one:

a. - 8 percent

b. None of the above

c. Zero

d. 10.3 percent