What is the first step toward determining how much you can save?

(1 point)
Responses

put 15% of your income into savings
put 15% of your income into savings

stop all spending for one month
stop all spending for one month

track your expenses for a set period of time
track your expenses for a set period of time

use your debit card for all purchases
use your debit card for all purchases

track your expenses for a set period of time