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2. What Is Discretionary Spending? How You Can Reduce It and ...

   www.aol.com/discretionary-spending-reduce-save...

   Here are some examples that can help you better understand discretionary spending and some easy ways to reduce these non-essential expenditures. 1. Dining out at restaurants or ordering takeout.

3. 5 Tips To Cut Nonessential Expenses Today and Build Up Your ...

   www.aol.com/finance/5-tips-cut-nonessential...

   Review what subscriptions you’re paying for to avoid unnecessary expenses. Check bank and credit card statements, look through your email inbox, and browse the settings in your phone’s App ...

4. 10 Expenses Most Likely To Drain Your Checking Account ... - AOL

   www.aol.com/10-expenses-most-likely-drain...

   Review these expenses and think about downgrading packages, canceling unnecessary subscriptions and looking for free alternatives. For example, workout at the park or borrow media from the library ...

5. Personal budget - Wikipedia

   en.wikipedia.org/wiki/Personal_budget

   Personal budget in an Excel sheet. Several personal finance softwares and mobile apps have been developed to help people with managing their money. Some of them can be used for budgeting and expense tracking, others mainly for one's investment portfolio. There are both free and paid options.

6. YNAB - Wikipedia

   en.wikipedia.org/wiki/YNAB

   Embrace true expenses: All expenses are planned for, so that there are no surprises. Roll with the punches : Being flexible when there is overspending. Age your money : Keeping money in your budget without immediately spending it.

7. Microsoft Excel - Wikipedia

   en.wikipedia.org/wiki/Microsoft_Excel

   A backup of an Excel Spreadsheet Add-in (DLL) .xll: Adds custom functionality; written in C++/C, Fortran, etc. and compiled into a special dynamic-link library: Macro .xlm: A macro is created by the user or pre-installed with Excel. Template .xlt: A pre-formatted spreadsheet created by the user or by Microsoft Excel. Module .xlv

8. 30 Expenses That Quietly Eat Away at Your Budget - AOL

   www.aol.com/finance/30-expenses-quietly-eat-away...

   You can't fail to notice the big bills your paying each month, like your monthly mortgage or car payment, but expenses that are smaller and easier to miss can sneak past and pile up. Check Out: 5...

9. Envelope system - Wikipedia

   en.wikipedia.org/wiki/Envelope_system

   The envelope system, also known as the envelope budgeting method or cash stuffing, is a popular personal budgeting method for visualizing and maintaining a flexible budget. The key idea is to prioritize cash income to meet separate categories of household expenses in physically separate envelopes. [1] [2]