How to deal with overspending???

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can u be nice and answer this ? with sincerity i need answers!!!!!

there are several ways for you to deal with over spending

1make yourself a buget, this much money goes for rent, this much for food, this much for my own personal use

2uy things you only need, not things you want

3go window shopping instead of looking for new things to buy

5Stay within your spending limits.

6Give yourself plenty of time to shop.

7Don't buy on impulse.

8Don't give in to "buy now pay later"offers.

9Compare prices before you make a purchase.

10Shop using catalogues, if you have time.

11If it's not in your plan, do not buy it (or revise your plan).

12Pay with cash whenever possible.

13When shopping, do not take more cash with you than you have planned to spend.

14When possible postpone buying gifts until January sales.

15Avoid borrowing to finance Christmas.

16If you cannot avoid borrowing use the lender with the lowest interest rate.

17Don't run up an overdraft without talking to your bank and arranging it beforehand.

18Keep a record of all your credit or store card purchases.

19If you have to use credit pay the maximum amount possible when the bills come in.

Make yourself a budget that you can stick. Unless you're really desperate, don't deprive yourself of little luxuries, but just keep them within reason. Before you make a purchase, ask yourself, do I really need this? Is this something I really want or do I just want it for the heck of it? Also, when you go out, limit yourself on how much money you're allowed to spend. If this means keeping the debit cards and credit cards at home, then do it! If you're working on a cash-only basis, then you certainly can't spend what you don't have in the first place.

Never feel guilty about buying stuff that you NEED. Buy stuff that you WANT _occasionally_ and only after you've looked at your bank statement. Use online banking websites to keep a close watch on your balance. Set aside SOME money everytime you get a paycheck even if it's a small amount.

Find a new compulsion... try overeating!

It depends. How much are you spending in a day, week, or month? Look at your bills. Comsider how much you get paid for working
The condition that exists when expenditures and encumbrances (legal and binding obligations) exceed awarded funding for an existing/ongoing agreement. For purposes of these procedures, salary and benefit encumbrances (and related overhead) are not considered legal and binding obligations. Thus, overspending will be determined as follows:

Total funds received, by contract, program, and division as appropriate
Less expenditures
Less non-salary & benefit (S&B) encumbrances

uhh dont go looking through magazines and stuff

Get in touch with a pimp or a rich old fat guy!!!!!!!!!

You can try to control it like people who are overaeting.

Your spending diet should however be reasonable so that you don't get the "yoyo effect".

So - first of all make a budget. Calculate and put aside money for the "must have" and then "nice to have" and a category for "unexpected/emergencies"

Make sure you do not put all your money into the budget, leave something. If there is leftover move it into some kind of savings which you can not easily access. Like fill up your 401K, fill up an IRA or heck...buy a CD with a long run time. Just don't touch that money.

Then get rid of your credit cards and checking cards. Every form of "easy money". Only pay with cash/checks.
Credit cards make thoughtless shopping way too easy.

And then you can as well check what and where you buy. Can you shop cheaper? Like bulk quantities which you share with a friend of family? Buying at Costco saves plenty of money.

And then look where else you can become more frugal. Buy smaller portions and sizes the daily stuff. Instead of new check out whether you can get stuff used. Save electricity by changing your light bulbs against energy savers (again Costco recently had an offer where they sold those bulbs cheaper than regular bulbs). Our power bill decreased 50% by using those bulbs.
When you leave your home or go to a different room switch the lights off in the unused room.
Have only one phone, either cell or landline.

Use a smaller car or try public transportation instead.

When you are going shopping - walk! That will keep you from buying too much if you have to carry it :-)

When going shopping for food only go when you just had a meal. Never shop hungry or thirsty.

Evaluate how often you go out to restaurants, cut this in half.

And so on...you can actually reserach every aspect of your life about how to save money. When you succeeded write a book, sell a lot of copies and get richt. Enjoy!

If you find yourself about to buy something, step back and ask yourself if you'd rather spend your money on that or an ice cream cone (or something else you like). Compare prices rather than jumping at the first thing you see; that will at least give you time to think about whether you really want it.

How do I deal with overspending? Let's see I make myself aware of my credit limit and never spend over 30% of it. I keep all my receipts on everything I spend. And I also make a note to why I made that purchase in my notebook. I usually don't buy something for the first time just because it is new. If I purchased it, it was likely a necessity.

I often withdraw cash from my checking account to spend and leave my credit cards at home. That way I see what I am spending, and am more resistant to compulsive buying. I guess you can say I like to live my life extremely conservative so I don't wind up getting myself in too deep. It's all about self-disipline.

My husband said that if I didn't quit spending so much money, he'd divorce me. He doesn't spend much at all. He's pretty frugile. If it's really a problem for you, there is a group like AA called Shopper's Anonymous. The divorce thing pretty much did it for me.

Here is a simple exercise that you can do that will help you.
Get a small note book that will fit in your pocket or purse or planer. Every time you earn money or spend money, write it down. Keep track of every penny that comes or goes in or out of your life. Pick a penny up off the side walk, right it down. Lose one and don't bother to pick it up, right it down. You don't have to do this forever. Just one month. At the end of the month you will be supprized at what you have done with your money. Don't feel bad about it though. The average home in america spends between $1,000 and $1500 that they can't account for. I can live on less than that and feed all 5 kids to boot.

Once you are done with the project above, don't be embarressed. You don't have to show it to any one least of all me. However if your honest, you must look at it. It will shock you. It happens to every one I have ever done this with. Nearly all want to just go hide rather than talk to me about it.

the next project is to look at your pay stub. how many hours did you work for that paycheck. Include commute time to and from work and any work at home time you put in off the clock. Next get a calculator and do the following. Enter the total dollars you took home and put in your bank account. Don't include things like insurance or retirement programs...you can't pay your bills with them till you retire or get sick. So just use the actual dollars the check was writen for. Hit the divide key. Enter the total hours that you came up with. Hit the equal symbol. Now have a good cry. Thats what you REALLY make per hour. Don't worry about over time. It doesn't matter. You worked X hours you got Y dollars. Its that simple.

Next step is to go back into your monthly list of expenses you just made in step one. Look at each item line by line. Enter on your calculator the dollar amount of each item. then hit the divide key, then enter the REAL dollars per hour. Now hit the equal button. Thats the hours you worked, for that purchase.

Next step. Ask yourself one question. "Do I really want to spend that much of my life at my job in exchange for that item?" You will have one of three possible answers.
#1. YES
#2. NO
#3. I would like to spend more on this item/ catagory.

Beside each entry put a + sign by the ones you wish to spend more on.

Beside each entry put a 0 by the ones you want to continue to spend about the same on.

Beside each entry put a - sign by the ones you want to spen less on.

Repeat over and over till you get almost all zeros on your monthly statment. You will find you are much happier because your money is going where you want it to go. You will be much happier because you will see your life energy going to things that are important to you. Why would you work so hard and so long to just fritter away your money? Your pissing away your life when you do that.

One new spin on all of the above. I was married, I'm divorced now. My former spouse spent 3 dollars for every dollar I earned. Thats why we are not married any more. We were 10's of thousands of dollars in the hole in just 18 months. Further more we had nothing to show for all that money. She just pissed it away. It was my life she was pissing away. I wanted to see my kids. I didn't see my house in daylight for months at a time. I was putting in 92 hour weeks. I worked 3 jobs. I still could not earn enough to catch up to her ability to spend. I gave her the boot. If you are not the primary bread winner, let me put it to you a little differently. How much of your spouses time do you want? If you hate him/her, leave. If they mean something to you, treat his/ her paycheck like it was sacred. It is after all his/her life your spending. Thats right, those arn't just dollars. Those dollars are symbols of the hours of some ones life spent feeding you and the rest of the family. So show a little respect. Show a little appreciation.

I came home form work and was treated badly by my first wife. She had no idea what I did to provide. She learned after she had an affair and I stopped supporting her.

My second wife treated me well to my face but behind my back she was looting the family funds.

I hope I have been helpfull to you. As a side note don't worry if you fail the first time you try this...no one i have ever worked with was successful the first time at recording every penny in and out of their life. Keep at it you will begin to figure it out. If your honest with your self you will succeed. Integrity in your money will translate to integrity in every other aspect of your life. Honest people tend to be honest in all things. If not you will by like my second wife. She has judgments against her, she has lost her children, her home, her car, her cell phone, the list goes on and on. She is on the verge of jail time. And she still spends what she doesn't have. The difference is now its her life she is pissing away.

Hope my unique perspective is of value to you. Good luck, and best wishes.

Your overspending or someone else's??? Over anything is like a twelve step program including admitting that you have a problem. It's been said that denial is the first step to overcome. The reality is to make more than you spend so with that in mind, throw a few bucks into savings off the top (after maxing a 401K plan) for a rainy day. Spend what you can afford and try to find ways to either increase income or decrease expenses.

Don't buy anything on credit.

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