Willow’s annual budget is in disarray because of unexpected variances, some of which are not in her control. She was not expecting a 10% rent increase, which increased her expenditures, nor a 15% increase in contributions to her employer’s health insurance plan, which reduced her income. In addition, her savings lost future value when her bank reduced its interest rate by 2.5%. At the same time, she spent more on clothing, entertainment, and gifts than she realized—more than she had budgeted for. Willow is discouraged. What should she do?