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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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