Article in English: Fixed expenses may be fixed, but that does not mean you can't replace them with lower fixed expenses. Take a look at each type of fixed expense and examine if there any ways to reduce them.  For example, your cell phone bill may be fixed every month, but is it possible to drop down to a plan with lower data to save money? Similarly, your rent may also be fixed, but if your rent takes up more than half of your income, you should examine perhaps downgrading from a two bedroom to a one bedroom apartment if possible, or relocating to a more affordable area.   If you have car insurance, be sure to contact your broker each year to see if there are better deals available, or alternatively, continually shop around for better deals. If you have high levels of expensive credit card debt, consider a debt consolidation loan to reduce your fixed interest expense each month. This will allow you to pay off your credit card debt with a lower interest rate consolidation loan. This is where most savings can be found. Take a close look at your expenses each month and see where your spending that is not towards fixed expenses goes. Look at small expenses that add up over time like coffee purchases, eating out, grocery bills, gasoline, or leisure purchases.  When looking to reduce these expenses, think about what you want, versus what you need. Look to cut out as many wants as possible. For example, you may need to have lunch every day at work, but purchasing lunch at the cafeteria is a want. You could select the more affordable option of making a lunch each day. The key is to look at variable expense areas that take up a large portion of your budget. Is most of your extra spending on gasoline, food, entertainment, or impulse purchases? You could target reductions in those areas by using more public transport, packing more lunches for work, opting for more affordable entertainment choices, or leaving your credit card at home to reduce impulse spending, for example. Do an online search to find innovative ways to reduce your...

Summary in Vietnamese:
Tìm cách cắt giảm chi phí cố định. Tìm cách cắt giảm chi phí biến động. Tính lượng tiền còn lại sau cắt giảm.