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  • You look really distracted today, is there anything that worried you?
  • To be honest, yes, I spent a lot of money this three past months and I have some debts to pay
  • I have to pay my car and house loan, both of them
  • Okay let's talk about. First, what are the debts you have?
  • Okay I see. Maybe you should control your personal budget cautiously
  • If you don't mind, can we go for a walk while you explain it to me slowly?
  • Sorry if I look stupid but, what's that?
  • No problem! It is just a spending plan in which you reduce your variable costs
  • Yes, of course!
  • I have to recognize I spent a lot o money in games and clothes recently
  • Yes, you are right, I should control better those expenses
  • That is called discretionary expenses, for you to understand me, that games and clothes are whims
  • Are you spending your money well? First think about that
  • Maybe I can make a list of expenses
  • Yes! And classify them in variable, fixed and discretional costs
  • What do you think about going to a coffee shop?
  • I think it is a great idea, I have to relax
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