insurance erm
Bills? Is this all?
Okay, I'm thinking of moving into an apartment very soon here. I'm sure that's taken all my bills and expenses account so I will not have any surprises when I'm there by myself. So I have rent, car payments, insurance, cable, telephone, electricity, car insurance, food and gas, ERM …. 'm forgetting something? Yes, power is gas or electric. Garbage collection is included in the rent and, Yes, both renters and car insurance.
Aside from what everyone else mentioned: toll-Auto-maintenance. Mainly oil changes, inspection, search, brake pads. Laundry supplies, cleaning, hygiene-Furniture-interest credit cards or loans, ATM fees, late charges, other fees (which add up quickly)
Embedding ERM: A Process of Evolution
