Which of the following tend to be budget busters for most pe…

Which of the following tend to be budget busters for most people: No children [a1] Discretionary spending [a2] Dining out frequently [a3] Impulse purchases [a4] Too much home or car [a5] Kids attending public schools [a6] Hobbies [a7] Daily Starbucks coffee [a8] Spending on needs [a9] Private Schools [a10]