*TIMED LOTS OF POINTS* Which of these is an appropriate attitude to take toward personal budgets? a. Personal budgets are mainly useful for managing financial trouble or getting out of debt. b. Personal budgets are useful regardless of your financial status and can be used by anyone. c. Personal budgets make a good tool for beginners or those just starting out, but those with more experience should try to avoid relying on them. d. Personal budgets are useful for people with many investments or large amounts of wealth, but are largely a waste of time for more average people.