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Fixed Costs

So what should you actually include in your fixed costs? When it comes to budgeting, fixed costs are the non-negotiables—the expenses that stay the same every month, no matter what. These are the “must-pay” bills that keep your life running. 🏡✨ Here’s what to include: ✅ Housing Costs: Rent or mortgage payments. ✅ Utilities: Base fees for water, electricity, and internet. ✅ Insurance: Health, car, and renters/homeowners insurance. ✅ Debt Payments: Monthly minimums for loans or credit cards. Notice I didn’t include subscriptions? That’s because subscriptions (like streaming services or gym memberships) are flexible—they’re nice to have but can be canceled if your budget needs adjusting. 💡 Pro Tip: Aim to keep your fixed costs under 50% of your income. This helps leave room for savings, flexible expenses, and building the life you want! What’s the biggest fixed cost in your budget? Let me know in the comments! 👇