This method is great for keeping your monthly budget in check, as it doesn't change much on a monthly basis. Unlike Fixed Expenses however, these expenses may shift from month to month, and are therefore referred to as Variable Expenses. These expenses include things like groceries, entertainment, clothing, gas, etc. To best optimize your budget, try identifying the variable expenses you'll be spending the most on, and focus on them first. Separate your Variable Expenses category further into subdivisions such as Food, Utilities, Entertainment, Groceries, Pet Care, etc. in order to stay as detailed as possible and remain in control of these categories. Budgeting in Variable Expenses empowers you to determine
assistant
Sure no problem. Our goal at Heartville is to be your guide to usability and psychology. Our AI was developed for people who are hands on, and enthusiastic about technology. We want to help you find the very best technology to solve your unique needs, while still making things easier for you. So whether you're shopping for something new, solving everyday problems, or just getting lost in geeky blog posts at night, let our AI help you find something interesting and hilarious to read!
assistant
I found these tips on how to avoid debt, but the author didn't go into detail. Could you explain these in more detail? '1. Build an Emergency Fund · 2. Choose a Spending Plan · 3. Stick to a Savings Routine · 4. Pay Your Full Credit Card Bill Each Month
user
Sure, here is more detailed info about each of the four points that the author of that article mentions:  1. Build an Emergency Fund · Emergency funds can be set up in a variety of ways depending on how much money you need, and how quickly you need it. Some methods of establishing an emergency fund include:
- Creating a savings account
- Storing money in an accessible safe
- Opening a savings bond
- Savings bond
- Paying your own credit card bill versus allowing your merchant to do so
- Opening a credit union account Upon setting up an emergency fund, you should make a commitment to consistently contribute in an amount that you can comfortably manage. This is an important reminder of your larger life goal to become an expert of living debt free.
2. Choose a Spending Plan · Many different methods exist for establishing a spending plan. Some methods include:
- Using Cash Only
- Paying Momentum
- Tracking Your Spending
- Using the "Kiss Method" Once you have developed your spending plan, you should ensure that you keep to it. Make small changes to your plan as you work toward your overall goal of living debt-free.
3. Stick to a Savings Routine · Establishing a regular savings routine is key to being debt free in the long run. Doctors of psychology recommend establishing this savings routine at the same time every day. This routine can be done using the bank or credit union ATM, or it can be as low-tech as using toilet paper that features a roll of money. Setting up this savings commitment on a daily basis breaks the work into manageable chunks instead of confronting the entirety of your savings strategy all at once.
4. Pay Your Full Credit Card Bill · Instead of paying only the minimum due, aim to pay more than the minimum due when paying off your credit card bills each month. This ensures that you have fewer credit card payments during the month, and has a much smaller impact on your credit rating. Avoid paying with cash, as this puts your spending decisions outside your immediate budgeting control. Financial experts state that credit card borrowing statistics show that you should strive to have less than 2 percent of your available credit total balance unpaid. If you are struggling financially, seek the help of a professional to help you get your finances back on the right track.

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assistant
Thanks for that. What exactly is the Kiss Method? You didn't explain that.
user
The Kiss Method is a method for budgeting your income. By using the Kiss Method, you divide your income into a number of fixed categories such as Fixed Expenses, Investments, Savings, Variable Expenses, Secret Money, and Taxes. You can then create a monthly spending plan for each category. 

Here are some suggestions for allocating your monthly income into the various categories:
Fixed Expenses: These include emergency savings, recurring costs like electricity, gas, cable television, rent, etc. These expenses don't change much from month to month, and are a great place to allocate a large chunk of your monthly income. Both first-time and seasoned budgeters benefit hugely by focusing on these expenses and remaining conscious of them.

Investments: This category refers broadly to both savings and retirement savings. If you have any savings for big expenses like a car, a major appliance, a home, etc. then you should allocate this as part of your Investments category. You should also contribute 401K, and other retirement savings into this category. Aim to allocate 10 percent of your monthly income into this category.

Savings: Savings is a broad category, and refers mainly to anything you do to keep your monthly expenses within your monthly
assistant
I've never heard of that, thanks.
user