Use carlos's budget worksheet to respond to the statement that follows. carlos's budget worksheet category budget amt wages and bonuses (after-tax) $1,900 total income $1,900 rent $450 gas/electric $115 cable/internet $123 car payment $276 car insurance $95 cell phone $65 credit cards $106 gas for car $120 entertainment (dinners, movies, etc.) $350 water $12 groceries $225 savings $50 total expenses $1,987 surplus -$87 carlos is currently spending more each month than he is earning. explain, using complete sentences, three steps carlos could take to lower his expenses each month. (4 points)