Sara recently graduated with a degree in marketing. She started a job that pays her $48,000 per year. Her monthly net income is $2,800. She’s moving into her own one-bedroom apartment ($900)in the city. She doesn’t own a car, but she has subway expenses ($150) per week. She also adopted a dog ($100 per month for 6 months), so she now has to pay for dog food and vet bills ($100). She likes designer handbags and shoes ($500) and likes to meet her best friends for lunch on the weekend ($50). Describe Sara's needs vs. wants. What can she do to save a portion of her paycheck each month? What should she pay first?