To avoid unwelcome adjustments in the budget process, you should: Question 5 options: be conservative in your expectations so as to maximize the probability that your actual results will be better than expected. always underestimate the expense items and potential losses because you will paying down your liabilities over time as your salary increases. only focus on short-term income and expenses so you can get out of debt sooner. always overestimate the income items because it is likely that you will be getting salary increases in the future