Shelby is struggling to pay her bills. she has a decent paying job, but yet she keeps falling short each month. what is the first thing that shelby should do to fix this situation? a) shelby should analyze her 401k and other retirement plans to see if she can borrow money on them to her get out of debt. b) shelby needs to evaluate both her income and her spending. she then needs to determine if she has an income or spending problem. c) shelby needs to contact friends and family for a loan. perhaps she has a rich relative or parent who can her with her income needs. d) she should request that her employer liquidate her annual vacation pay and add it to her monthly salary. this way shelby will have enough money to pay her bills.

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Shelby needs to evaluate both her income and her spending. She then needs to determine if she has an income or spending problem.

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B) Shelby needs to evaluate both her income and her spending. She then needs to determine if she has an income or spending problem.

Explanation:

IN this situation, when wantig to have healthy finances Shelby should see if she is under-earning or over spending, in this case she needs to adecuate her style of life to one that she can better afford, the key to sane finances is being aware of how much can you spend a month and how much can you save. She right now need sto be more organized with her spending habits and try and find a way to earn the money that could give her the spending habits she has.

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