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Once you realize you’ve chipped away at whatever cushion you had in place, you’re left scrambling for money – or worse, using credit cards to cover your bad moves.

Overspending is often a learned behaviour that can result from emotional issues (“I’m in a bad mood, so I’m going shopping”), family upbringing (“I couldn’t afford much as a kid, but now I can”), or even lifestyle inflation (“I got a raise, so I deserve a new car”).

Karate will teach you discipline and morals at the same time.

Allowing the kids to do that kind of training early on is an energy release.

Fox brought about a firestorm when she insinuated that her ex rapper beau, 50 Cent, was gay.

If you start each month with great intentions and spend according to a set plan, but eventually find yourself making mindless purchases justified by that ever dangerous “a little won’t hurt” attitude, you’re likely facing an empty bank account and severe buyer’s remorse by the end of the month.

It also means you’re accruing interest and possibly incurring expensive fees for hitting your max.

When your spending is no longer about what you have in your wallet, but how much you can get your hands on to continue buying, it’s time to make a change. You Only Pay Your Credit Card Minimum When your credit card balance is so high or your budget is so tight that you can only make your minimum payment every month, you’re overspending.

Your monthly income should always be higher so you can make those credit card payments in full along with all of your other debts and financial responsibilities. You Splurge on Fun Stuff, But Neglect Bills and Fixed Expenses Pay before play.

Financially savvy people understand the importance of paying fixed expenses before purchasing fun items such as clothing, electronics, and holidays.

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