Mark the letter A, B, C or D on your answer sheet to indicate the best arrangement of utterances or sentences to make a meaningful exchange or text in each of the following questions from 13 to 17.

1. David: What’s the hardest thing about saving money?
2. David: How do you usually manage your budget?
3. Jane: Resisting the temptation to buy unnecessary things, especially online.
4. Jane: I track my expenses using an app, so I know where my money goes.
5. David: I think having clear financial goals makes it easier to stay disciplined.