Fixed vs variable expenses: distinguish them to manage better

Fixed expenses: predictable and incompressible

Fixed expenses are those that come back every month for a stable amount:

• Rent or mortgage
• Insurance
• Subscriptions (phone, internet, streaming)
• Loan repayments

They often represent 50 to 60% of the budget. You can't easily reduce them, but you can anticipate them perfectly.

Variable expenses: this is where the margin is

Variable expenses change from month to month:

• Groceries
• Gas or transportation
• Outings and leisure
• One-off purchases (clothes, gifts)

This is where you have room to maneuver. It's also where budget overruns happen.

Exceptional expenses: the invisible trap

There's a third category often forgotten: exceptional expenses.

Car repairs, medical fees, vacations, taxes... These expenses don't come every month, but they represent a significant budget over the year. Not anticipating them guarantees a tough month when they arrive.

How Yosanami integrates all three types

Yosanami takes into account your fixed, variable, and exceptional expenses to calculate a daily recommended balance. Fixed expenses are automatically spread out. Variable expenses are estimated based on your habits. And exceptional expenses are integrated as soon as you add them. Result: a single number that tells you if you're on track, every day.