your expenses exceed your income. you should cut back your\nfixed costs\nvariable costs\nopportunity…

Brief Explanations:

Fixed costs are recurring, unchangeable expenses (e.g., rent, insurance) that are hard to adjust quickly. Opportunity costs are the value of the next best alternative, not direct expenses to cut. A budget is a spending plan, not an expense category to reduce. Variable costs are flexible expenses (e.g., dining out, entertainment) that can be adjusted easily when income is insufficient to cover total expenses.

Answer:

variable costs