Fixed Expenses - Costs the same on a routine basis, Flexible Expenses - Regular expenses of a varying amount, Discretionary Expenses - Spending on non-essential items that are not required to maintain basic living standards, Gross Pay - Total earnings before taxes and deductions are taken out, Net Pay - Your pay after taxes and deductions are taken out. This is your take-home pay, Insurance Copay - An out-of-pocket amount paid by an insured for covered services, Budget - an estimate of income and expenditures over a period of time,

Budgeting

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