Best Answer: To manipulate means to change. When you do a scientific experiment, the manipulative variable is the thing you change in order to see what happens. The responding variable is what you measure; it's the thing that changes in response to what you manipulate.
For loans and credit cards, avoid or limit interest charges. While it may sound like a bargain to pay the minimum due on your credit card so you have more money to spend on other things, the long-term costs of this strategy can be staggering.hat's because credit card interest rates can be quite high -- with the best of rates often being in the low double-digits. Instead, try to pay all or as much as possible of your outstanding credit card balance to avoid interest charges.
Paying by credit card: 1  Responsible use of a credit card can be a safe and easy way to build up your credit rating. 2  If you choose to make a purchase with a credit card, you can reduce the amount of interest you pay by paying more than your minimum payment each month.hoosing debit: Debit cards provide easy recordkeeping and are accepted at many merchants which makes purchasing convenient. Unlike a credit card, which requires you to pay the bill later, the money comes directly out of your checking account. This is a great way to avoid spending more money than you have available.