Understand trends in saving and spending and align them with financial goals. Amos is creating a personal budget to track his financial activity. He started by identifying and listing his financial goals for the current year. What should Amos's next step be in creating the budget? a.) He should determine the number of columns and rows that his budget will require. b.) He should find the difference between his actual spending and his projected spending. c.) He should establish rules for the amount of money he can spend in the next few months. d.) He should identify his sources of income and current expenses