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.
Stop wasting money on interest fees! If you're carrying balances on high-interest credit cards or you need to make a purchase that you won't be able to pay off right away, there's no need to waste money paying interest. In fact, you can avoid any interest payments at all well into 2016.he 15-month 0% APR period will take you into 2016 with zero interest payments, and it's a great card to help you manage any credit card debt you may currently have or to make large purchases now that you don't want to pay off until next year.