1 .		Time management is paying attention to how you are spending your most valuable resource and then devising a plan to use it more _____. [Hint]   effectively   cautiously   quickly
2 .		Because many people are able to concentrate on visual or auditory stimuli for only about _____ minutes before they begin to make errors, cramming for tests rarely works. [Hint]   10 to 20   20 to 30   30 to 40
3 .		When we talk about finances in our classes we've noticed that most college students do not _____ . [Hint]   plan   itemize   budget
4 .		If the amount of your total expenditures is _____ your monthly income, you are on your way to controlling your finances. [Hint]   larger than   smaller than   equal to
5 .		Instead of using credit cards to pay for the expenditures that cause you to go over your budget, _____ your expenditures. [Hint]   increase   multiply   modify