 TITLE: What Is Discretionary Spending? CONTENT: Take Control of Your Finances\n-----------------------------\nUnderstanding the difference between your necessary and discretionary expenses helps you gain more control over your budget. Once you understand the costs you can cut, adjust or otherwise move around, you're able to do more to make sure you're spending efficiently. Whether that means cutting the gym membership you never use or deciding to spend less of your paycheck at restaurants, discretionary expenses are the first ones to examine when you want to save yourself some cash. END