The category of consistent expenditures that describes predictable payments such as car payments and rent payments in managing a personal budget is known as fixed expenses. Fixed expenses are costs that remain the same each month and are predictable, making them easier to budget for. Examples include rent or mortgage payments, car loan payments, insurance premiums, and other recurring bills that do not fluctuate frequently

. In summary:

• Fixed Expenses : Regular, predictable payments such as rent, mortgage, car payments, and insurance

• These differ from variable expenses, which can fluctuate month to month, like groceries or utilities.

Thus, car payments and rent payments fall under the fixed expenses category in personal budgeting.