Secrets of Success

Understand Fixed And Variable Spending




Know which items are immovable objects in your financial plan (rent or mortgage, utilities, etc.) Those are fixed and can't be changed. Everything else is up for grabs. Can you negotiate lower interest rates on loans and credit cards? Cut your grocery bill? Every bit helps.

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Member Comments

  • I think it is important to remember that utilities are also changeable. With cut backs in use and also reviewing which carrier one uses for internet/cable etc. How many phones a household really needs, etc. These can change too.

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