Look over the Spencer family's financial details. Their monthly income totals $2,500, and they earn $4.50 in interest on a savings account each month. Their monthly expenses are shown in the table below. Expenses Current short-term savings $0 long-term savings $0 rent/insurance $700 car payment $350 utilities $150 tv/cable $100 cell phones $100 clothing $175 entertainment/recreation/eating out $250 credit card (balance=$1200) $50 miscellaneous expenses $100