1. Parallelism completed

Total score: 10 out of 10, 100%

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The best ways to avoid debt are budgeting and avoiding credit cards.

The best ways to avoid debt are budgeting and to avoid credit cards.

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Correct. The elements joined by and (budgeting and avoiding) are parallel; they are both gerunds.

To make a budget, draw up a plan for spending money wisely and to stay within your means.

To make a budget, draw up a plan for spending money wisely and staying within your means.

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Correct. The elements joined by and (spending and staying) are parallel; they are both gerunds.

The first steps are writing down your expenses and to separate your "needs" from your "wants."

The first steps are to write down your expenses and to separate your...