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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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