Overspending Triggers and Solutions


I’ve been thinking a lot about my spending habits.

Some days are really awesome days; when I am keeping to my budget, spending wisely, and stashing lots of money away into savings…….

But then, I have moments where I S.T.R.U.G.G.L.E.  I shop impulsively.  I buy things without consulting the budget.  I develop a “I need it so I get to have it” mindset.

Does ANYONE else have this happen????

Of course I know this behavior is wrong.  I ALWAYS know that I shouldn’t be buying “x,y, and z.”  Yet, I ignore that small voice of reason and just keep on spending.

I have learned that these overspending urges are usually the result of a trigger.  SOMETHING going on in my life (usually emotionally for me 😉 ) that causes me to want to overspend.

The other day I got an urge to SPEND.  Like, really really spend.  I wanted to buy decorations for my home and I wanted to buy myself a few new shirts and I wanted to go out to eat and I wanted to take my daughters on a back to school shopping spree and I just.wanted.to. SPEND MONEY!

Fortunately, I was able to stop myself from spending; and I asked myself, “Why?  Why am I feeling that urge to spend??”

I realized that I was feeling frustrated; frustrated by my budget, and frustrated with the amount of money I am “allowed” to spend each month.  I just wanted to throw the budget in the garbage and show that budget who’s boss.  I wanted to prove that I can spend what I want and when I want!

This is not healthy!  I need to be friends with my budget!  So, I decided that something needed to change.

As a parent, I always ALWAYS choose to have money budgeted for the kids wants/needs instead of budgeting for my wants/needs.  Which I am so HAPPY to do for them, but I was limiting myself to much.  It brought on frustration which triggered me to spend.

So, I decided to change my budget.  Next month I will be budgeting more money for my personal spending money.  I am hoping that by doing this it will eliminate that trigger and will help decrease the spending urges.

Everyone will have different triggers; and you won’t always experience the same trigger.

Below are a few possible overspending triggers and a suggested solution.

Overspending Triggers and Solutions

1.  Trigger:  Boredom

You are overspending because you are bored and shopping is a form of entertainment.


Develop a new (cheap) hobby.  Ask a friend to join you in the hobby to help keep you accountable and active with it.

2.  Trigger: Lack of Confidence

You lack confidence and are trying to boost your self esteem with new purchases.


Read some self help books (from the library) about confidence.  Learn to develop inner confidence without needing to spend money.

3.  Trigger: Shopping as Therapy

You are upset or emotional and use shopping as therapy.


Find a new way to release your emotions.  Go for a run or walk.  Call up a friend or watch a favorite movie.  Find a non-spend alternative to help you calm down.

4.  Trigger: Jealous

Feeling jealous when you hear how friends have been spending their money.


If your friends are a temptation to spend money you need to distance yourself from them.  I have unfollowed friends on social media before because their posts trigger my urge to spend money.  If you need to make some new frugal friends, do it!  Just do whatever it takes to delete that temptation.

5.  Trigger: Sales

A huge sale is happening at your very favorite store and you don’t want to miss out on the good deal.


Delete all e-mails from that store so you won’t even know when they are having a sale!  Also, remember that there will ALWAYS.BE.ANOTHER.SALE.  This is the truth!  You can find the good deal again, once you have budgeted and planned for the expense.

6.  Trigger: Friends

A friend invites you to do something that will encourage you to overspend, maybe a day of shopping or a weekend trip.


Be up front with your friends.  Tell them your spending limits and the activities that you will be able to or won’t be able to participate in.  Kindly ask them to stop inviting you to the activities out of your budget.

What are your personal spending triggers?  What are the solutions YOU have come up with to help overcome those triggers?  Share with me in the comments so we can help each other out.



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