income - Income is money or something of value, commission - A percentage of the sale price, benefit in kind - non-monetary rewards for work, fixed expenditure  - fixed expenditure fix amounts and fixed time car insurance, irregular expenditure  - different amounts at different times , discretionary expenditure  - spending after you have paid the fixed and irregular expenses ex holiday, impulse buying - unplanned buying or buying on the spur of the moment, false economy - this is where you think you are saving money but you are not , opportunity cost - having to do without one item in order to buy another , capital expenditure - spending goods and service that would last for many years ex car , current expenditure - spending on goods and services that would last a short term ex food , budget surplus - planned income is greater than planned expenditure , household budget deficit - save, invest, increase discretionary , budget deficit - increase income, rearrange bill due dates, borrow , consumer - person who buys goods and services for there own use , buying a product or service - do i really need it, can i afford it, is it false economy, is it a safe product  , responsibility's as a consumer - to avoid impulse buying and false economies, to know their legal rights, to keep receipts as proof of purchase, to shop around for the best value  ,

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