The budget allocation item that can be changed if one alters their daily spending habits is B. savings.
Savings refer to the amount of money that one puts aside regularly.
Unlike rent, insurance, and car payment, which are fixed payments, savings can be altered with changing spending habits.
This implies that if one spends less than normal, they can save more and vice versa.
Thus, the budget allocation item that can be changed if one alters their daily spending habits is B. savings.
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