These questions help us understand your monthly living expenses.  

Fixed expenses are things that stay the same each month. Phone bills, memberships, utility bills, your rego, child care and insurance are common examples.

Variable expenses are things that can fluctuate each month. You should include items like groceries, fuel, car maintenance as well as your discretionary expenses such as entertainment. Don’t include your rent, mortgage, loans, or credit cards here because we’ll ask for that separately.