Separating your budget into fixed expenses, savings expenses, and variable costs will help you organize your bank accounts and manage your money properly. Examples include dining out, streaming service subscriptions, a club membership, cable, and clothing. Discretionary expenses Discretionary expenses can vary wildly from one month to the next. How Will Fixed, Savings and Variable Costs Help Me Learn How To Budget My Money Properly? Such expenses include groceries, car maintenance, electricity, and water usage. Sometimes expenses will fit into more than one category and if that happens, you can choose where you feel the cost belongs in your budget.
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