| I | underspend | 
|---|---|
| you | underspend | 
| he/she/it | underspends | 
| we | underspend | 
| you | underspend | 
| they | underspend | 
| I | underspent | 
|---|---|
| you | underspent | 
| he/she/it | underspent | 
| we | underspent | 
| you | underspent | 
| they | underspent | 
| I | have | underspent | 
|---|---|---|
| you | have | underspent | 
| he/she/it | has | underspent | 
| we | have | underspent | 
| you | have | underspent | 
| they | have | underspent | 
| I | had | underspent | 
|---|---|---|
| you | had | underspent | 
| he/she/it | had | underspent | 
| we | had | underspent | 
| you | had | underspent | 
| they | had | underspent | 
