Your Budget Is Bleeding—But Do You Know Where?
Before you blame rising prices or low income, ask yourself:
“Do I even know which of my expenses I can control?”
Understanding the difference between fixed and variable expenses is the first step to building a stress-free money life.
Let’s break it down—with the help of Vizzve Finance.
🧾 What Are Fixed Expenses?
These are recurring costs that stay the same each month, regardless of usage.
📌 Examples of Fixed Expenses:
🏠 Rent or home loan EMI
🚗 Car loan EMI
🎓 School or tuition fees
📶 Wi-Fi and DTH bills
👨👩👧 Insurance premiums
💼 SIPs or recurring investments
These are the non-negotiables of your budget. You know they’re coming—and they rarely change.
🔄 What Are Variable Expenses?
These are costs that fluctuate, based on usage, lifestyle, or even mood.
📌 Examples of Variable Expenses:
🍲 Food delivery and groceries
🚕 Transport/fuel charges
🛍️ Shopping
🎬 Entertainment & OTT
💊 Medical bills (unplanned)
✈️ Travel and weekend getaways
Variable expenses can go up or down, making them the most important area to focus on when you're trying to save.
💥 Why This Difference Matters
| Category | Fixed Expenses | Variable Expenses |
|---|---|---|
| Predictable? | ✅ Yes | ❌ No |
| Easy to change? | ❌ No | ✅ Yes |
| Budget impact | High (but stable) | Can swing your budget |
| Examples | Rent, EMI, insurance | Food, shopping, fuel |
Control your variables to create room for savings, investing, and emergency planning.
🧠 How to Use This in Your Budget
Step 1: List ALL your monthly expenses
Use Vizzve’s expense tracker for this.
Step 2: Label each item as Fixed or Variable
Example:
| Expense | Type |
|---|---|
| ₹15,000 Rent | Fixed |
| ₹6,000 Groceries | Variable |
| ₹2,000 Netflix & Apps | Variable |
| ₹5,000 SIP | Fixed |
Step 3: Cut or control variables first
Swap eating out for home meals
Pause subscriptions
Delay shopping for “wants”
💡 Even saving ₹1,000 in variable costs per month = ₹12,000/year.
💼 How Vizzve Finance Helps
📊 Auto-tag your expenses as Fixed or Variable
🔔 Alerts when variable spending spikes
💰 Monthly report card on where your money goes
✅ Smart suggestions to cut spending without feeling deprived
FAQs
Q1: Are credit card EMIs fixed or variable?
They’re technically fixed but dangerous if you keep adding to the balance. Pay them off ASAP.
Q2: What if some expenses vary slightly (like electricity)?
Tag them as semi-variable—but treat them like variable for safety.
Q3: Should I automate fixed expenses?
Yes! Use Vizzve’s auto-pay reminders so you never miss deadlines or face late fees.
Final Word
Fixed expenses keep your life running.
Variable expenses decide if you’re thriving—or just surviving.
With Vizzve Finance, you’ll know exactly where your money goes—and what to do about it.
Published on : 8th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.