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Brody likes to think he is good at managing his expenses, but lately he has noticed that his credit card balance is growing, and he wonders why. Each month he receives $1,850 of disposable income from his job and makes $200 buying and selling computer parts. His rent is $1,200 and combined expenses for his car, groceries, utilities, clothing and incidentals total $1,300 a month. Which is true about Brody’s financial situation?