October 31, 2018　=========

☆  discretionary  自分で使える

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Happy Halloween! Is Halloween becoming more popular in Japan? It is becoming very popular in Australia – but it’s really just a marketing trick to get people to spend their discretionary income! Any money that you spend on things other than the necessary items of shelter, food, and clothing, is your discretionary spending. So, buying chocolate and decorations for Halloween? Definitely discretionary spending!

Hobbies, travel, luxuries, entertainment, these categories of spending are all discretionary, too. If you have a budget, then it’s important to have these discretionary categories, too, right? Otherwise, you’ll be saving a lot of money, but you’ll probably feel really restricted and unhappy. Finding the happy balance between wants and needs, discretionary and non-discretionary spending, is really the key to a good budget, don’t you think?

Well, that’s the end of our month on the topic of saving money! I hope you’ve learned some new English words and have save some money, too. 🙂

Bye,

Chris