Question

How can a parent be financially responsible?

by spending money left over after paying bills
by opening a new credit card when one is maxed out
by creating a savings plan for future expenses
by following a budget only when money runs out

Answer 1

Creating a savings plan for future expenses.

That shows planning for emergencies, education, and long-term goals. The other choices (spending leftover money, opening a new card when one is maxed out, or only budgeting when money runs out) are not financially responsible practices.