If you’re whipping out your credit card more often than you should, you might suffer from an overspending habit. Signs include having more credit card debt than monthly income, living paycheck to paycheck despite making a decent salary, regularly going over your planned budget and a meager savings account.
Overspending can be one of the more difficult habits to break. Breaking that habit requires planning, effort and self control. Start by creating a detailed budget of all your expenses, bills and spending habits. Figure out what you don’t need and what you do need, and stick to your pared down budget.