a$.$I prefer to use borrowed money, rather than my income, when shopping.$$b$.$When my income varies greatly from month to month, I should borrow more money to reduce my exposure to risk.$$c$.$I don$$t believe that bankruptcy $($the legal proceeding that can result in the sale of my assets to repay unpaid legal obligations$)$ can adversely affect my future credit score.$$d$.$One negative consequence of borrowing money is that it allows me to live beyond the means afforded by my paycheck. One positive effect of using debt capital is that it increases my exposure to risk.$$e$.$If I receive a tax return of $$500,$ I would rather pay down a car loan than my credit card with an outstanding balance.