Ways to Reduce Variable Expenses
Expense
TOTALS
Monthly
Savings
Annual
Savings
Budgeted
Monthly
Cost
Current
Monthly
Cost
Vacations
Childcare
Health care
Subscriptions (magazine, newspaper)
Maintenance (home and auto)
Food and groceries
Entertainment (movies, books, parties) and
Recreation (golf, health memberships)
Transportation
Alcohol and tobacco products
Utilities
Restaurant meals
Clothing and apparel; dry cleaning
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