How to Avoid Overspending

Bronze Tip Medal for All Time! 51 Tips
May 2, 2008

How to Avoid OverspendingI am not a fan of credit cards but do use them from time to time when I don't want funds tied up using a debit card or when I need to delay the payment on a large ticket item. It seems like when I use my card ONCE it loosens my resolve and I find myself swiping it more than I had budgeted! Since I usually use a debit card, here is my tip to put the restraint back in using my credit card:


Each and every time I swipe it, I place the receipts around the credit card. This simple act reminds me that I will have a bill in the very near future and is usually all the motivation to pay using cash. I can easily tabulate the funds I'll need to pay off the next bill when it arrives and can spend accordingly!

By Diana from Prospect, KY

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Kelly Ann Butterbaugh
August 18, 2006

As a middle and high school teacher I see gross overspending in September. Yes, the students cause most of it with desires for new wardrobes and expensive backpacks; however, most of it comes from well-intentioned parents who go overboard with supplies.


April 29, 2005

If you tend to overspend when shopping with a certain friend, you might want to either go alone next time. Also, "just browsing" tends to lead to overspending. Think to yourself if you really need this item?


Kelly Ann Butterbaugh
May 2, 2006

Spontaneous shopping is not only a problem but a habit as well. Have you ever gone shopping because you were bored or because it was a rainy day?


This behavior leads to overspending and overcrowding in your home. Instead, follow some rules while shopping to eliminate the desire to purchase.

Swiping a credit card through a machine.

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