Fixed costs are the regular, predictable expenses necessary to keep your business running. However, there are a large number of hard-to-manage operating costs that are prone to billing errors and tend to creep up over time. These include: insurance, property taxes, utilities, shipping, SaaS spend, treasury services, telecom, and many more. These SG&A costs may be termed “fixed” but they can be adjusted, optimized, or negotiated, to reduce your overall business expenses.