Explanation:

• Income, Saving, and Giving are all components of a budget:
  • Income: The money you receive, which forms the basis of your budget.
  • Saving: Allocating a portion of your income to savings accounts or investments.
  • Giving: Setting aside funds for donations or charitable contributions.
• Credit score is not a component of a budget:
  • A credit score is a numerical representation of your creditworthiness, used by lenders to evaluate your ability to repay debts.
  • While your credit score can be affected by how you manage your budget (e.g., timely bill payments), it is not a direct component of the budget itself.