The primary disadvantage to having a total consumption budget.
a. there is no discretionary income
b. it is difficult to manage properly
c. it only allows savings for short-term goals
d. it does not insure that all bills get paid

The primary disadvantage to having a total consumption budget is that there is no discretionary income. The answer to your question is A. I hope this is the answer that you are looking for and it comes to your help.

The infrared radiation in the sunlight damages skin. In direct sunlight, the temperature of human skin rises to about 40°C as it converts the absorbed IR into heat. The result of a brief exposure is sunburn. Prolonged IR exposure induces new blood vessels to form from pre-existing ones in the skin.