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12 cards from this deck
Three
Regular payments that stay the same regardless of usage
It doesn't - cost stays the same
Rent, car insurance, TV licence, loans, motor tax
Payments where amount & timing change based on usage
Amount varies based on usage
Electricity, groceries, petrol, phone bills, car servicing
Optional spending on wants rather than needs
Wants rather than needs
Holidays, Netflix, dining out, concerts, games, gifts
Fixed & irregular first, then discretionary
50% needs, 30% wants, 20% savings
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