Answer:
Probably Fall, since that is the time school starts.
Explanation:
I think that the correct option is C: the role of the idiom in this sentence is to explain that bad habits are creating a bad financial situation.
An idiom may be defined as a figure of speech established by usage that has a meaning not necessarily deductible from those of the individual words. Idioms are not always meant to be taken literally.
In this case, the idiom is explaining the cause of financial situation.