Tip: Lists (like this one) are one way to impose a structure on a speech. 4. Be concise. It is said that Woodrow Wilson once gave the following reply to a speaking request: âIf youâd like me to speak for five minutes, Iâll need a month to prepare. If youâd like me to speak for 20 minutes, Iâll need two weeks.
This worksheet is an introduction to budgeting. To create a budget you need to understand both your income and your expenses. Here, fixed and variable expenses are explained and practiced. A first step to understanding budgeting is to understand your expenses. There are two main types of expenses, fixed expenses and variable expenses. Fixed expenses tend to be about the same each month, for example rent. Variable expenses tend to fluctuate each month, such as clothing.
The Definition of Variable Costs. Variable expenses represent those daily spending decisions like eating at a restaurant, buying clothes, drinking Starbucks, and playing a round of golf with your buddies. These costs are not considered variable because theyâre discretionary. Rather, they're variable because the amount that you spend differs from month-to-month. While most variable costs represent discretionary spending (such as restaurants, Starbucks, and golf), some variable costs represent necessities.