Haley has been tracking her monthly expensDeveloping __________ skills allows individuals to use various digital tools to efficiently manage and track their finances. a.) problem solving b.) agility c.) productivity d.) technologyes in different categories over the past year. She wants to understand what percentage of her money is spent on eating out, groceries, entertainment, travel, and clothes. What is the first step to calculate this? Divide the monthly expense in a category by the annual expense in that category. Divide the monthly expense in a category by the total annual expenses. Add up all expenses to arrive at her total expenses for the year. Multiply the expenses in each category by 100