6d (edited) • 40 Days of Financial Clarity
Day 8 - Fixed vs Variable expenses
We begin week 2: Cash Flow Mastery with a deep dive into our expenses. For today, I want you to get 2 numbers: your fixed expenses and your variable expenses.
• Fixed expenses = consistent, recurring amounts (rent, mortgage, insurance, subscriptions)
• Variable expenses = fluctuating amounts (food, shopping, travel, entertainment)
• Clarity creates control: if you don’t separate these, everything feels random and the picture is murky
• Fixed costs tell you your baseline survival number
• Variable costs reveal your behavior patterns and emotional spending
For today: List all fixed expenses first (no guessing - use real numbers)
• Then review the last 30 days and identify variable spending
We are going from: “Where did my money go?” to: “I know exactly where it goes.” You don’t have to share any numbers, just reflections or surprises and that you’ve done it!
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Day 8 - Fixed vs Variable expenses
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