Answer :
These expenses, as the name implies, will change from month to month and are likely the biggest spending category. Items like groceries, utilities, entertainment costs, and clothing are examples of variable costs.
These are the costs you incur that remain constant from month to month. Examples of fixed expenses are your mortgage or rent, car payment, and insurance. You may expect them to remain constant for at least a year at a time, though they might change somewhat from year to year (like a rent rise, for example). These are the costs that are most difficult to anticipate and that are most likely to catch you off guard. Periodic costs include items like yearly vehicle registration, significant auto maintenance, and gift-giving throughout the holidays. Set aside a small amount each month to cover the cost of things you know will occur at least once a year.
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