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Glossary

V

Variable

An interest rate that changes based on an economic index such as the Prime Rate. A variable rate credit card will often have an interest rate like "Prime + 5.9%" meaning that the interest on the card is the Prime Rate plus an additional 5.9%.

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Variable APR

An interest rate that changes based on an economic index such as the Prime Rate. A variable rate credit card will often have an interest rate like "Prime + 5.9%" meaning that the interest on the card is the Prime Rate plus an additional 5.9%.

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Variable Expenses

Variable expenses are those that can change from month to month. Variable expenses include necessities that can be reduced (such as food and utilities) and non-essentials that could be eliminated (e.g., long distance charges, cable, magazine subscriptions, etc). Reducing these expenses is the simplest step in getting control of your finances.

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