user: Every expense is fixed, variable, or discretionary. Fixed expenses are mandatory expenses that are always the same and cannot be influenced by your decisions. Examples include rent and health insurance.  Variable expenses are mandatory expenses that you can influence the cost of.  Examples include utility bills and transportation costs. Discretionary expenses are expenses that could be eliminated entirely if needed. Examples include alcohol, entertainment, and restaurant meals. Eliminate discretionary expenses that do not provide you with pleasure. For example, do not participate in the office gift exchange if you do not enjoy it. Cut back on discretionary expenses that provide you with pleasure to maximize your enjoyment to dollar ratio.  For example, eating one nice meal each month in a sit down restaurant instead of taking a weekly trip to McDonalds may save you $10, and it will give you more pleasure for the money that you do spend. Think of ways to cut your variable expenses.  Use the tips below.  Think creatively about ways to reduce expenses. Every budget has a little fat. Trim yours slightly more. Incorporate a new tip every few weeks. Decide what works for you and stick with it.
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One-sentence summary -- Review your spending habits. Reduce your spending. Cut your spending further.


Lemon curd is delicious with vanilla ice cream, but you can also try getting a little adventurous! Experiment by adding it to ice cream and fro-yo flavors like chocolate fudge, black cherry, and banana nut. Drizzle lemon curd on top of an ice cream sundae to add a lemony kick. You can try this on any kind of cake you want! If you’re looking for inspiration, lemon curd would pair well with pound cake and vanilla cake. Heat it up for about 10 seconds in the microwave first to make it easily spreadable. You can also just drizzle it on top of the cake! For a tropical take on this classic dessert, spread lemon curd on one side of a graham cracker. Add marshmallow sauce or cream cheese on top of the graham cracker. Spread lemon curd on another graham cracker, then stack the graham cracker on top of the marshmallow or cream cheese. Enjoy your key-lime S’more! Replace cream cheese sauce with tangy lemon curd in your favorite fruit pizza recipe. Smear the curd "sauce" on a crust of graham crackers or baked sugar cookies. Add fresh fruit toppings like strawberry slices, kiwi, pineapple, and blueberries. Dig in!
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One-sentence summary -- Enhance the flavor of ice cream or frozen yogurt with lemon curd. Use lemon curd as icing on your favorite cake. Replace the chocolate sauce in S’mores with lemon curd. Use it as a sauce for fruit pizza.


The plank exercise is an all-in-one movement that works a variety of muscle groups.  Including your back, the plank also works your shoulders, legs and abs.  This is a great combination pose for your body.  To start, lie face down on the floor.  Push yourself up into a typical push-up position however rest your body on your forearms instead of your hands.  Make sure elbows are bent and aligned with your shoulders. Engage your core by rotating your pelvis forwards towards your head.  Keep your body in a straight, rigid line for as long as you can hold the position. Release pose and repeat as necessary. The bridge exercise functions as a back bend, a core strengthener and a balance pose. You should do this exercise on a yoga mat or other springy surface, since you'll be supporting all your weight on your hands and feet in order to stretch out your back.  Lie flat on your back on the ground.  Bend your knees at a 90 degree angle while keeping your feet flat on the ground.  Lay your arms by your sides. Push your body upwards through your pelvis towards the ceiling.  Your body should be in straight line slanting downwards from your knees towards your head. Press to hold this position with your buttocks and back.  Hold for a few seconds, lower back down almost to the starting position and then push back up to the top. Repeat as many times as necessary. This yoga pose is a great exercise to help strengthen and stretch your entire back.  Start this position on your hands and knees with your fingers pointing away from you. Tuck in your toes and lift your knees off of the floor.  Push up through your pelvis and point your buttocks towards the ceiling.  Your body should look like an upside down V. Straighten your legs however leave a slight bend in them. Push your pelvis up and away from the floor and push firmly with your heels and hands. Keep your core, arms and legs firm to hold your body in place. Let your head dangle in between your arms in front of you. Hold this position as long as you can and repeat as necessary. The downward facing dog is a fairly straightforward stretch, so if you want to challenge yourself you should take a look at the whole sun salutations series. This pose is a good resting position stretch at any time during the workout. This is an easy-to-do strengthening move that can help tone the entire back side of your body including your back.  Lie face down on an exercise mat.  Stretch your arms forward so they are laying straight out in front of you. Lift your legs, with toes pointed away from your body, up straight in the air.  At the same time, lift your shoulders, head and arm off of the floor as well.  Your body should look like you're flying or in a slight U shape. Hold this position as long as you can and then relax and repeat as necessary. In order for this exercise to activate your back muscles, focus on keeping it as straight as possible. This also assists in building arm and chest strength.  Lie on the floor face down.  Lift your body up into a straight line balancing on your toes and hands.  Make sure your hands are shoulder width apart and wrists are under shoulders. Lower your body down (keep your body straight) by bending your elbows out away from your body. Slowly lower your body until your chest is about an inch or two away from the ground.  Push yourself back up to the starting position and repeat as necessary. This low-intensity exercise improves flexion and extension of the spine. Try to do the movements of this exercise as smoothly as you can in order to maximize its effectiveness.  Get down on the floor on your hands and knees.  Use an exercise mat to make this exercise more comfortable on your hands and knees. Flex your back so that it's curved up towards the ceiling.  Press through your lower back upwards.  Drop your head down towards the floor.  Hold for a few seconds. Slowly release the position and push your lower back down towards the floor so your back is concave.  Extend your face upwards towards the ceiling.  Hold this position for a few seconds. Repeat this sequence as many times as necessary.
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One-sentence summary -- Incorporate the plank pose. Do the bridge pose. Try the downward facing dog pose in yoga. Do the superman or swan dive pose. Do push ups. Do a cat and dog exercise.


. Next time you pop open a bottle of soda make sure to save the caps, as you can use them to make these cute earrings! . If you're a bit of a tech-junkie, these funky SIM card earrings are the perfect accessory! . Feather earrings are pretty and unique, adding a free-spirited feel to your look. . Bookworms rejoice! Now you can wear books in addition to reading them! ake food earrings. If you're a bit of a foodie, these earrings are perfect for you - they double up as a whimsical accessory and a tasty snack! . Origami is the delicate Japanese art of folding paper, which is used to make these pretty earrings. . Quilling is another paper-based project. Coil long strips of paper and form those coils into unique designs for some stylish new jewelry. If origami and quilling aren't your style, there are lots of other paper earrings you can make, too! . Everybody always has a bunch of spare buttons lying around, so why not repurpose them into some twee little studs?
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One-sentence summary --


assistant: Make bottle cap earrings Make SIM card earrings Make feather earrings Make book earrings . Make origami earrings Make quilling earrings Make button earrings