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Written by Kevin Smith

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Achieve Financial Goals with a Spending Plan A "Spending Plan" is exactly as it says - a plan of what you will be spending each month. There are usually two parts - your "fixed" spending and your "variable" spending. The fixed part is usually the same every month, with things like rent/mortgage payments, grocery bills, insurance, and car payments. The variable part changes a lot from month to month, and can include things like Christmas shopping, buying new furniture, and paying for repairs.