Soraya is trying to avoid running out of money every month. she has asked her employer to deposit her paycheck directly into her bank account. she has also cut back on expenses by eating out just once a week, driving her car as little as possible, and limiting visits to her favorite coffee shop. she has also put all discretionary purchases on her credit card so that she can pay for everything at the end of the month. what do you think she should do to avoid running out of money every month?