Do you know the difference between your variable and set expenses? When it comes to budgeting it is important to identify your variable expenses, because they are the ones that you can change. Your set expenses are not going to change; they will remain the same from month to month. Your variable expenses change from month to month. Often it is best to average these expenses over a twelve-month period, and then budget that amount each month. Here are variable expenses that you may consider set expenses, because they are bills that you have to pay each month. One is … Continue reading →