Answer:
The answer is: B) willingness to spend
Step-by-step explanation:
If Shelby´s new job provides her a comfortable and stable income, then she; should have disposable income, buying power, at least some discretionary income, and credit (even if she had a bad credit record, she could pay her previous debts).
It doesn´t matter how much money you have in your bank account, what really matters is how much money you are willing to spend.