I'm a freelance financial journalist and a regular contributor to U.S. News and CreditCards.com. I've written for Life + Money by Citi, Bankrate and The Balance, among others. You can find me on ...

A major part of budgeting is projecting fixed expenses versus variable expenses. The fixed ones are often much simpler to plan for because they will change less frequently and often the merchant ...

Determining your fixed and variable expenses is paramount to effectively building a budget. But while accounting for necessary costs is a simple and straightforward task, including discretionary ...

Budgeting, quite simply, is the act of spending your money efficiently. The importance of budgeting cannot be overemphasized, and whether you’re looking at your individual finances or running a ...

Remembering finance definitions can feel like a struggle, especially when you’re not familiar with them. But according to experts, they shouldn’t stand in the way of you creating the best budget you ...

Being able to survive and thrive as a business owner has as much to do with managing costs as it does with generating revenue. Like the chief financial officer of any company, you have to be concerned ...

When calculating cost of production, some figures are “easier to find,” while others are “harder to calculate.” Variable costs tend to be simpler, though some may require reviewing 2025 records. Fixed ...

If you’ve ever tried to get your finances under control, then you’ve almost certainly tried to make a budget. And while you know that budgeting is a great way to control your spending, it’s often ...

The best way to improve your finances is to arm yourself with knowledge and tools to understand your spending. Learning how to make a budget spreadsheet is a smart financial practice regardless of ...

Choosing between a fixed-rate and variable-rate loan can affect how much you pay over time and how easily you can budget each month. Fixed-rate loans offer predictable monthly payments and protection ...