Questions about the Fixed, Variable & Hidden poster

What’s on the Fixed, Variable & Hidden poster?

Fixed — same every month against Variable — changes monthly, side by side. Fixed — same every month: Rent or mortgage; Fixed — same every month: Insurance premiums; Fixed — same every month: Subscriptions; Fixed — same every month: Loan repayments; Fixed — same every month: Easy to see, hard to change quickly; Variable — changes monthly: Groceries and fuel; Variable — changes monthly: Energy, especially seasonally; Variable — changes monthly: Eating out, entertainment; Variable — changes monthly: Harder to see, easier to change; Hidden costs are the third kind: annual renewals, car servicing, Christmas, birthdays…. Divide every irregular cost by twelve and set that aside monthly. The surprises stop being surprises.

Who is the Fixed, Variable & Hidden poster for?

Fixed, Variable & Hidden belongs to the Money section rather than to a school year, because money is not something one grade owns. Anyone learning basics can pin it up — a beginner, a student mid-course, or someone revising years later.

When should you use the Fixed, Variable & Hidden poster?

List every annual and quarterly payment. Divide by twelve. That number is the one nobody budgets for. A wall chart earns its place by being glanceable from where the work is happening, so Fixed, Variable & Hidden belongs on the wall where that money work actually happens, within glancing distance, rather than filed away.

What other posters go with Fixed, Variable & Hidden?

Tracking Spending, Structuring Accounts and The 50/30/20 Budget sit alongside Fixed, Variable & Hidden in the Money section. Printed together they make a wall rather than a single sheet, which is how a reference set actually gets used.Tracking SpendingStructuring AccountsThe 50/30/20 Budget

Is the Fixed, Variable & Hidden poster free to download and print?

Yes. Fixed, Variable & Hidden downloads as a free PDF with no account, no email and no watermark, like everything else in the Money section. Print as many copies as you like for a home, a classroom, a library or a tutoring group; reselling the file is the only thing the licence rules out.Read the licence

What size does the Fixed, Variable & Hidden poster print at?

Fixed, Variable & Hidden is a vector PDF laid out for US Letter, and prints on A4 with Fit to page — the same file, no separate download. Because every mark on it is drawn rather than photographed, it stays sharp enlarged to A3, A2 or A1 at a copy shop. Colour carries emphasis only, so a greyscale print of Fixed, Variable & Hidden loses nothing.Printing guide