To ensure that you do not have a total consumption budget, which two categories should be added to your budget

If these were the missing choices:

A. savings and checking

B. savings and miscellaneous

C. savings and vacation

D. vacation and miscellaneous

My answer would be: B. savings and miscellaneous

Total consumption budget is defined as a budget where every centavo is allocated to a planned need like shelter, food, water, etc. There is no residual amount in this budget because the net balance is 0. Thus, for a budget not to become a total consumption budget, there must be some left over amount for discretionary spending like savings and other miscellaneous expenses.