What are non-negotiables? They are things that you need. My non-negotiables were internet/cable, cell phone, groceries, and health insurance. The monthly cost of my non-negotiables were $810/month. What are negotiables? They are things you want. My negotiables are Netflix, Spotify Premium, and the cost of owning a pet bunny. The monthly cost of my negotiables were $103.97/month. Why do you put aside extra savings? In case your financial situation changes such as if you lose your job. I decided to save 10% of my monthly paycheck which came out to $531.25/month.