{"id":1305,"date":"2019-12-06T19:51:59","date_gmt":"2019-12-06T19:51:59","guid":{"rendered":"https:\/\/www.lendnation.com\/9-signs-you-are-overspending-your-budget\/"},"modified":"2025-12-18T15:05:07","modified_gmt":"2025-12-18T15:05:07","slug":"9-signs-you-are-overspending-your-budget","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/9-signs-you-are-overspending-your-budget\/","title":{"rendered":"9 Signs You Are Overspending Your Budget"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2019-12-06T19:51:59+00:00\">December, 2019<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">9 Signs You Are Overspending Your Budget<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/signs-you-are-overspending-your-budget.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/signs-you-are-overspending-your-budget.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/signs-you-are-overspending-your-budget.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/signs-you-are-overspending-your-budget.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-ask-yourself-to-avoid-overspending-your-budget\">What to Ask Yourself to Avoid Overspending Your Budget<\/h2>\n\n\n\n<p>Do you ever go to make a purchase, only to find out that you don\u2019t have enough cash in the bank? While most of us have experienced that at least a few times, if it\u2019s happening often, it might be an issue of overspending.<\/p>\n\n\n\n<p>Overspending happens to the best of us but, with a few tips and tricks, we can all get a better handle on our money. And it starts with asking ourselves important questions that help us determine if we are, indeed, overspending.<\/p>\n\n\n\n<p>Let\u2019s look at nine questions that will clarify if overspending is the culprit of your money woes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-do-you-know-what-you-re-spending-money-on\">1. Do You Know What You&#8217;re Spending Money On?<\/h3>\n\n\n\n<p>Many of us are not always aware how we\u2019re spending money and how it could be spent, or saved, more efficiently. In fact,&nbsp;<a href=\"https:\/\/www.fool.com\/investing\/2017\/09\/01\/the-20-biggest-ways-americans-waste-money.aspx\" target=\"_blank\" rel=\"noopener\">more than 80% of Americans<\/a> admit to wasting money on a wide range of stuff. From eating out and drinking to credit card interest and clothes &#8211; even on necessities like utilities \u2013 many of us spend our hard-earned money in ways we could avoid.<\/p>\n\n\n\n<p>For example, we all know how much it hurts to throw that unused but spoiled chicken out. But there are ways we\u2019re wasting that we may not know, such as overspending on utility bills. The first step in figuring out if you\u2019re wasting money is by looking at your expenditures and &#8211; yep &#8211; creating a budget.<\/p>\n\n\n\n<p>Speaking of budgets\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-do-you-have-a-budget\">2. Do You Have a Budget?<\/h3>\n\n\n\n<p>Creating and balancing a budget is not how most want to spend their Friday night. Or any night, really. But if you don\u2019t know how much you even have to spend, how do you know how much you should spend?&nbsp;<a href=\"http:\/\/www.businessinsider.com\/61-of-us-adults-dont-keep-track-of-their-money-2014-4\" target=\"_blank\" rel=\"noopener\">Around 61% of Americans<\/a>&nbsp;are in the same budget less boat &#8211; and 34% of them carry credit card debt from month to month. Goes to show that a budget helps to avoid overspending.<\/p>\n\n\n\n<p>Creating a budget doesn\u2019t have to be equated with a restrictive diet; no one said you have to starve yourself of creature comforts or entertainment. It also doesn\u2019t have to be complicated. Start by taking <a href=\"https:\/\/www.ally.com\/stories\/budget\/whats-your-budgeting-style-take-our-quiz\/\">this budgeting quiz<\/a>&nbsp;to learn your budgeting know-how, then&nbsp;<a href=\"https:\/\/americasaves.org\/for-savers\/make-a-plan-how-to-save-money\/creating-a-budget\" target=\"_blank\" rel=\"noopener\">use these tips<\/a>&nbsp;to creating your very own budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-are-you-honest-about-how-much-you-spend\">3. Are You Honest About How Much You Spend?<\/h3>\n\n\n\n<p>At some point, many of us have lied about our age or student status to get that coveted discount. But the big issues come from\u00a0<a href=\"https:\/\/wallethub.com\/blog\/financial-secrets-survey\/131537\">when we lie to others<\/a>\u00a0about how much we make, what we\u2019ve spent, whether or not we got a deal on a new purchase &#8211; or even hiding our purchases altogether.<\/p>\n\n\n\n<p>No one wants to air their dirty laundry to the world. But lying to others about spending habits is one step away from lying to ourselves &#8211; and empty bank accounts and high credit card balances can\u2019t lie. Taking a step in the right direction means taking an honest look at what we\u2019re spending and how much.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-do-you-heavily-rely-on-your-tax-return\">4. Do You Heavily Rely on Your Tax Return?<\/h3>\n\n\n\n<p><strong><\/strong>One thing most of us anticipate each year is our tax return; it\u2019s often&nbsp;<a href=\"https:\/\/www.washingtonpost.com\/business\/quit-relying-on-your-tax-refund\/2013\/03\/09\/c9ffe72a-853d-11e2-9d71-f0feafdd1394_story.html?utm_term=.147c3ad6bbbb\" target=\"_blank\" rel=\"noopener\">the largest lump sum of money<\/a>&nbsp;we get a year and most of us use it to catch up on bills. In fact, most people use tax returns as a means to save money in the first place &#8211; in order to later pay those bills. We intentionally set up our paycheck to have the max amount of funds removed so that at tax time we get a larger return. In theory, that\u2019s smart, right?<\/p>\n\n\n\n<p>Unfortunately, no. What sometimes ends up happening is that because we are getting more taken from our checks, we have less with which to pay our bills. This can result in late payment fees that could otherwise be avoided.<\/p>\n\n\n\n<p>One option is to speak with a tax advisor to see how much needs to be taken out to avoid owing at the end of the year, but still allows less to be taken out than the max amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-do-you-have-emergency-savings-or-contribute-to-retirement\">5. Do You Have Emergency Savings or Contribute to Retirement?<\/h3>\n\n\n\n<p>Considering that&nbsp;almost half of all Americans&nbsp;spend as much as they make, the answer is no for most of us. With housing and transportation costs eating up a lot of our budgets, it can be difficult to find ways to cut back.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.cnbc.com\/2018\/01\/24\/lack-of-income-and-know-how-are-why-americans-arent-saving.html\" target=\"_blank\" rel=\"noopener\">The other issue<\/a>? A lot of people just don\u2019t know how to save. The key is budgeting in order to find creative ways to put away few dollars a day &#8211; which can relatively quickly turn into a nice little nest egg. For example, putting away $3.00\/day will net you over $1,000 in just one year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-do-you-pay-off-your-credit-card-balance-each-month\">6. Do You Pay Off Your Credit Card Balance Each Month?<\/h3>\n\n\n\n<p><strong><\/strong>Have you ever noticed how paying with a credit card feels emotionally less upsetting than paying with cash?&nbsp;<a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/cash-vs-credit-cards-which-do-american-use-most\/\" target=\"_blank\" rel=\"noopener\">Turns out, it\u2019s a real thing<\/a>. With credit cards, the loss of income is delayed; you don\u2019t have to feel it until your credit card payment date comes around, and even then, you can easily only pay a portion of it to spread out the costs.<\/p>\n\n\n\n<p>But this leaves you with a balance each month, one that\u2019s hit with interest and starts to add up. Pretty soon, the purchase you made ends up costing you three times as much. Stick to a rule of thumb with credit cards &#8211; and any loan for that matter: Don\u2019t borrow more than you can afford.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-are-you-squeezing-your-paycheck-to-next-paycheck\">7. Are You Squeezing Your Paycheck to Next Paycheck?<\/h3>\n\n\n\n<p><strong><\/strong>Yes, the cost of housing and transportation is rising while our wages aren\u2019t. That means we\u2019re stretching an already thin paycheck that much further. But if you are left with only a few dollars or less in your account each pay period, it might be more than just a wage gap.<\/p>\n\n\n\n<p>We can\u2019t recommend it enough: Figure out what you\u2019re spending money on then set a budget to better balance your account each week. If your money disappears as soon as it hits your account, try tracking your spending for a week. Identify one area\u2014like <a href=\"https:\/\/www.lendnation.com\/blog\/article\/what-are-you-spending-on-dining-and-takeout\/\">dining out<\/a> or streaming services\u2014where you can cut back.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-do-you-often-pay-bills-late\">8. Do You Often Pay Bills Late?<\/h3>\n\n\n\n<p><strong><\/strong>Every once in a while, we may forget a bill is due. Maybe we\u2019ll even intentionally wait to pay until right before the penalty fee kicks in. Frankly, sometimes it\u2019s necessary for survival. But if we\u2019re continually paying bills late each month, that\u2019s a sure sign of overspending elsewhere.<\/p>\n\n\n\n<p>Looking for ways to lower your bills is the antidote to overspending. Seek ways to save on your phone bill, utilities, and even your monthly subscriptions to help put more of that pay back into your bank account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-do-you-have-more-debt-than-income\">9. Do You Have More Debt Than Income?<\/h3>\n\n\n\n<p><strong><\/strong>Your debt to income ratio does more than just stress you out; it can have a huge impact on your credit score, which then impacts your ability to get loans. And&nbsp;<a href=\"https:\/\/www.usatoday.com\/story\/money\/personalfinance\/2017\/11\/18\/a-foolish-take-heres-how-much-debt-the-average-us-household-owes\/107651700\/\" target=\"_blank\" rel=\"noopener\">most Americans are in a significant amount of debt<\/a>&nbsp;&#8211; the biggest culprit being credit cards (outside of mortgages and car loans).<\/p>\n\n\n\n<p>Having more debt than income is a sure sign of overspending. Cutting back and downsizing are two tough but real options for spending less and saving more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-more-cash-in-between-paychecks\">How to Get More Cash In Between Paychecks<\/h2>\n\n\n\n<p>Overspending is an issue not just for Americans but for people around the world. Taking control of your spending can happen &#8211; you just have to be willing to take a close look at what you can live without.<\/p>\n\n\n\n<p>As you work through this process, remember that&nbsp;<a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">LendNation<\/a>&nbsp;is here to help with a title, installment or payday loan if you need any help bridging the gap between paychecks &#8211; and by helping you learn more about your personal finances as you become financially free!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" 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https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/missouri-title-loans-guide\/\" target=\"_self\" >Everything You Need to Know About Missouri Title Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Do you think you are overspending your budget? Ask yourself these 9 questions to find that out. At LendNation, we are here to help with your lending needs.<\/p>\n","protected":false},"author":18,"featured_media":1306,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[42],"class_list":["post-1305","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-cash-advance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>9 Signs You Are Overspending Your Budget - LendNation<\/title>\n<meta name=\"description\" content=\"Are you spending more than you should? Learn nine warning signs of overspending and get helpful tips to take back control of your budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/9-signs-you-are-overspending-your-budget\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"9 Signs You Are Overspending Your Budget\" \/>\n<meta property=\"og:description\" content=\"Are you spending more than you should? 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