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.
(Click here to learn four ways you can help lower your credit card interest rate.). How compound interest works. When it comes to a savings account, compound interest is a wonderful thing. But with a credit card balance, itâs downright scary.When you carry a balance, you end up paying interest on the interest.he first thing you need to do is stop using your credit cards. At this point, your objective is to pay off your balance to minimize the amount of interest youâll have to pay. If you have a good credit score, you might qualify for a balance transfer card with a zero percent APR introductory offer.