d$.$ If there is a surplus, what would be a prudent strategy for her to follow? $($Select the best answer below.$)$

Jane can borrow money from her bank or withdraw money from an existing savings$/$investing account. Another alternative is to cut down on any unnecessary expenses.

Jane can use hor monthly surplus to open a savings$/$investing account or increase the balance on an existing account. Alternatively, she could reduce debt by paying more for some obligations like her auto loan, credit cards or mortgage. In order to maintain her monthly surplus she should maintain her current level of expenses.