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.
Shoppers can charge everything from groceries to fast food to rent payments on credit cards. Even some taxis and vending machines now have credit-card processing capability. That means more people are getting in over their heads with debt because they're not keeping track of how much they spend.ay More than the Minimum. Increasing monthly credit-card payments is an absolute must to take a bite out of debt. For people juggling several payments, choosing even one card to focus on can greatly cut the amount of interest paid out over time. Choose the card with the lowest balance to direct extra payments toward.