Discretionary Spending
The spending you choose — eating out, streaming, hobbies — as opposed to the bills you must pay either way.
Discretionary spending is everything optional: takeaways, concerts, that third streaming service. It is distinct from fixed commitments (rent, insurance) and essential variables (groceries, petrol).
It is also the only lever that moves quickly. You cannot renegotiate rent by Friday, but you can skip a takeaway tonight — which is why knowing your discretionary number precisely beats guilt-tracking every coffee.
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