Best Answer: To manipulate means to change. When you do a scientific experiment, the manipulative variable is the thing you change in order to see what happens. The responding variable is what you measure; it's the thing that changes in response to what you manipulate.
For loans and credit cards, avoid or limit interest charges. While it may sound like a bargain to pay the minimum due on your credit card so you have more money to spend on other things, the long-term costs of this strategy can be staggering.hat's because credit card interest rates can be quite high -- with the best of rates often being in the low double-digits. Instead, try to pay all or as much as possible of your outstanding credit card balance to avoid interest charges.
In other words, if you want to curtail interest when carrying a balance, pay your bill on the same day your bill becomes available. Leverage a 0% credit card: Certain credit cards waive interest rates for the first 6-24 months in order to help consumers either finance big-ticket purchases or transfer an existing balance.