Fatima does not think she needs a budget because she does not tend to overspend.

A budget is useful even when Fatima does not overspend because it helps her plan how to use her money toward specific goals. For example, she can set aside money for a short-term purchase or a longer-term goal such as education. The correct choice is that it could help her meet short-term or long-term goals.

AI-written and checked against the verified answer.