Which of the following steps is NOT CORRECT when developing a spending plan? a. List your monthly expenses and divided into "fixed" and "variable" columns. b. Add up all your income sources. c. Review regularly and adjust expenses accordingly. d. Gather all financial statements, including bank statements. e. Subtract your total income from your expenses. Which of the following does NOT provide a deduction that allows you to reduce your tax bill? O a. Mortgage interest (interest paid on your home loan) Ob. Donations to a non-profit charity c. Home-based business expenses d. 401k contributions from your paycheck Oe. Gas for your vehicle to drive to school