People without enough___ often use credit to cover immediate shortfalls even if they can in theory afford them but this approach can be very costly

answer

the most effective ways of dealing with and reducing stress could be; listening to relaxing music, yoga, aromatherapy and meditation

explanation

when stress is effectively managed, it the effect stress has on a person’s life so they can be productive, happy and healthier. it is vital to identify the source of stress to be able to manage it. some stress management tips are keeping a positive attitude, practicing relaxation techniques, exercising regularly and eating healthier.

answer:

9+10= 21

explanation: