Do you ever take a look at your checking account and wonder how you are possibly going through your paychecks so quickly? Or, are you consistently waiting for pay day to ensure you stay afloat? If this is the case, then chances are you are spending above your means, or overspending. The good news is that overspending can be super common for so many, and is something that everyone can relate to at some point in their life. Overspending can especially be difficult during a holiday, or if you get caught up in all of the latest and greatest sales and deals! However, there are some tips and tricks to ensure that you are keeping yourself on track. Here are a few ways that you can avoid overspending:

• Lower your monthly bills. First, take a look at what you are spending on a monthly basis. Is there anything that you can cut back on? Perhaps you can remove one streaming service from your monthly bills, or look for ways to lower your utilities. Even if it is a small change, it adds up overtime and can help you greatly.
• Avoid getting takeout and delivery. This one is tough (for EVERYONE!) While getting takeout and delivery is super convenient and delicious, it can very quickly add up and end up becoming very costly. Try and limit yourself to getting takeout or delivery only a couple times a month, and make sure you are budgeting accordingly for it.
• Only charge what you can pay off each month. When it comes to your credit cards, a great way to start off when budgeting is to make sure that you are only charging what you absolutely know you can pay off each month. This way, you are not accruing interest, and you are more aware of what is feasible to pay off before your bill comes along.