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.
1 To stay out of debt, make a plan for paying it down. 2  Do pay the balance in full each month. 3  Only make charges if you can pay off the entire credit card balance when it is due. 4  Avoid interest charges by paying off the balance in full each month.5  Do pay on time. Do pay on time. 2  When a consumer pays a bill late, the credit card company can charge late fees and can raise the interest rate to the default rate specified in the terms of the credit card agreement.