A、He often borrows money from others. B、He has just received his monthly pay. C、He can’t pay off his credit cards. D、He has kept

M: Hi, Jenny. Could I borrow some money until payday?
W: Uh, yeah, I guess. How are things going anyway?
M: Well, not very well. I’ve used my credit cards to pay off a lot of things recently, but now, I can’t seem to pay the money off.
W: Uh, do you have a budget? I mean, do you keep track of your income and expenses?
M: No, but I guess I should have some financial plans.
W: Well, let me see if I can help you. How much money do you spend on your apartment?
M: Uh, I pay $990 on rent for the studio apartment downtown...not including utilities and cable TV. But the place has a wonderful view of the city.
W: Uh, $990! Why are you paying so much for such a small place when you could find a cheaper one somewhere outside of the downtown area?
M: Yeah, I guess.
W: How much money do you spend on entertainment a month?
M: Well, I spend a few dollars here and there on basketball and movie tickets, a concert or two, and ballroom dance lessons. About $50 perhaps.
W: And what about transportation?
M: Oh, I commute to work everyday in my new sports car, and my monthly payments are $480.
W: Well, I think you’ve got to reduce your spending, or you’ll end up broke. I suggest you get rid of your credit cards, cut down on your entertainment expenses, and sell your car. Take public transportation from now on.
Questions 1 to 4 are based on the conversation you have just heard.
1. What do we know about the man?
2. How would you describe the man’s apartment?
3. How much does the man spend on transportation every month?
4. What dose the woman suggest the man do at the end of the conversation?