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Automatic bill payment occurs when money is automatically transferred on a scheduled date to pay recurring bills such as a mortgage, credit card, or utility bill. Autonomous consumption is defined as spending that consumers have to make even if they have no disposable income. A budget is an estimate of income and expenses for a certain period of time in the future and is used by governments, businesses and individuals. Deferred compensation plans are an incentive that employers use to keep key employees. Discretionary spending is spending that is not essential for working from home or business. Disposable income is net income. This is the amount left after paying taxes. EBPP are systems used to collect payments electronically. A fund is a collection of money intended for a specific purpose. Groupon started in 2008 as an online coupon site that offered daily deals as marketing promotions for local businesses. Living expenses are a breakdown of total living expenses per person.