Construct a balance sheet and display it here, using the following information. Be sure the format is correct. (Show all work.)

Cash on hand	$ 75
Bank credit card balance	1,200
Utility bill (overdue)	100
Auto loan balance	3,500
Mortgage	75,000
Primary residence	105,000
Jewelry	2,000
Stocks	17,500
Coin collection	2,500
2001 Toyota	7,500

In you opinion, what categories listed on your Balance Sheet can consistently cause an imbalance in your budget? Respond with at least a 100 word reply, substantiating your answer using your textbook, personal experience and other resources.