{"id":6293,"date":"2019-08-29T15:50:43","date_gmt":"2019-08-29T19:50:43","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=6293"},"modified":"2021-10-15T19:17:01","modified_gmt":"2021-10-15T23:17:01","slug":"are-you-an-over-spender","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/are-you-an-over-spender\/","title":{"rendered":"Are You An Over Spender?"},"content":{"rendered":"\n

Is spending money easier than saving money? Do you find that you are spending more than you are making? You\u2019re not the only one. But if you\u2019re constantly wondering where your money is going it may be time for a new financial strategy for you to meet your financial goals. Overspending can also lead to other things. If not addressed, this kind of spending can lead to things like debt, financial stress and unpaid bills. And we understand that you can\u2019t always plan what you do with your money, but that\u2019s what GoDay<\/a> is here for. For the times emergency expenses come up, you\u2019ve gone over budget or you need to make it until your next pay cheque, get more information<\/a> about how GoDay is helping people get back on track. <\/p>\n\n\n\n

Budget, budget,\nbudget<\/strong><\/p>\n\n\n\n

Here at GoDay we\u2019re big on budgeting. And it can be tricky\ntrying to keep track of where your money needs to go next. You have heard us\ntalk about budgeting before \u2013 whether you\u2019re a first time budgeter, going\ndigital with your budget, what to do when you\u2019ve gone over budget<\/a> and\ngetting and staying back on track to name a few of our budgeting tips<\/a>.\nSo what does budgeting mean as someone who has been overspending? It means that\nyou are not sticking to a budget. So how do you get back on track financially\nand overcome these overspending habits? It\u2019s all about staying on track. When\nyour expenses start exceeding more of your income you know that it\u2019s time to\nre-evaluate your finances. <\/p>\n\n\n\n

Not a budgeter? That\u2019s okay. Like other money matters, one\nof the most common\nquestions when it comes to starting a budget<\/a> is \u201chow do I start\u201d? And\nthere is no right answer. It is about what works for you. But once you have\nmoney starting to come in and expenses that need to be paid, it\u2019s time to start\nwatching where your money is going by having some sort of tracking system or budget\nin place. It\u2019s one thing to put all this effort into budgeting, but it\u2019s\nanother to actually follow through on your financial goals. By sticking to the\nbudget you\u2019ve created, you\u2019re working on creating financial stability focused\naround you and your lifestyle. <\/p>\n\n\n\n

So what happens when you\u2019ve blown your budget? This means\nyou may need to take a step back and focus on your spending\nhabits<\/a> to know how you got off track. Being aware and able to paint\nthe picture of what went wrong are the keys to understanding the state of your\ncurrent financial situation and setting an action plan as to how you\u2019re going\nto rectify or make sure you are financially in a good spot to get back on track.\nWhich brings us to our next point \u2013 do you know where your money is going?<\/p>\n\n\n\n

Do you know where\nyour money is going?<\/strong><\/p>\n\n\n\n

As we mentioned, it is not just about knowing how much you regularly have coming in, but also how much money you have coming out. This is not only a starting point for your expenses but also your savings. Off the top of your head, do you know your total monthly expenses? That\u2019s why creating a list of each expense can help layout all your costs and make it easy to see where your money is going. If you know you\u2019re not staying on track means you have an idea of your\u00a0spending habits<\/a>\u00a0to know how you have managed to overspend in the first place. There shouldn\u2019t be\u00a0any extra expenditures when you\u2019re already in a financial bind<\/a>, and by understanding how you got yourself into this financial situation is what also needs to be addressed. Once you have your costs and spending organized you will feel more comfortable by being able to see the big picture of where your money is going. Did you miss a bill payment and the interest is adding up? Is it a big month in terms of expenses? Has there been an emergency where financial assistance is required? No matter what the situation, understanding why you are in the financial spot you are in is what will help you look at your financials in a different way and help you prepare for the future accordingly. When you\u2019re in this kind of financial position, this is where we can step in to help, because that\u2019s what\u00a0our payday loans<\/a>\u00a0are for \u2013 making sure you stay afloat until your next pay cheque and get you back on track.<\/p>\n\n\n\n

Signs you are an over spender <\/strong><\/p>\n\n\n\n

There are plenty of\u00a0tell tale signs when it comes to overspending<\/a> such as making late payments, impulse purchases, not checking in on how much you\u2019re spending or only making minimum payments on things like your credit card bill. When paying the minimum, you\u2019re most likely paying interest from bill to bill and not actually tackling your debt, but accumulating more debt. It can be difficult to recognize you are overspending when you feel like you\u2019re getting by from pay cheque to pay cheque this can also be one of the signs. Would you be surprised if we told you that more people than you think are constantly overspending and falling behind financially? Canadians are burdened\u00a0with historically high levels of household debt, according to Statistics Canada. Simply put, too many people are spending more than they earn. And it is in times like this that GoDay is here to help. Our\u00a0payday loans<\/a>\u00a0are not intended to provide a long-term financial solution \u2013 they are intended to solve urgent but temporary cash-flow needs, especially in those times where we can\u2019t keep up financially or when you\u2019re making the minimum payments and falling financially behind. Getting out of the habit of making minimum payments is one of the best ways you will start to see your debt disappear and get your finances better organized. <\/p>\n\n\n\n

Making better\nspending decisions<\/strong><\/p>\n\n\n\n

No matter what you are spending money on, there is always a\nreason for the purchase right? And it\u2019s not like anyone enjoys paying bills\nwhen you can be spending your money on something else. So how do you make\nbetter spending decisions? It\u2019s about becoming more meaningful in the way you\nspend your money and knowing your means. Which is why having a budget to see\nwhere your money is going is so important. We all have them, those spending\nhabits that we wish we could break, especially when it comes to tackling debt.\nBut when it comes to debt management, it is about changing your thinking when\nit comes to what you\u2019re spending. We often also try to justify our spending.\nAre you purchasing items impulsively? Is this truly a need, or a want? How will\nthis item add value to your life? Asking yourself these types of questions\nforces you to be more mindful about what you are spending your money on. <\/p>\n\n\n\n

We also always talk about doing your research before spending\ninstead of buying the first thing you see. Because retailers\nwant you to be spending money<\/a>! Because when it comes to our money we all\nlike to save where we can. Shopping around isn\u2019t about cutting\nyour spending on everything<\/a>, but picking and choosing what you spend and\nsave your money on. Instead of buying something name\nbrand<\/a>, why not try the generic version. Whether it is shopping for\ngroceries or bigger item that you may need for your home like furniture or appliances,\ntiming those\nbig purchases<\/a> and looking at different places for the best price may end up\nsaving you money. It is making better spending decisions where you can that you\nwill start to see things add up and shopping around for the best price can\nreally make a difference on your wallet. <\/p>\n\n\n\n

It\u2019s okay to have bad\nspending habits<\/a>. You are not the only one. We\u2019ve all had those memberships\nor subscriptions that have gone unused, but it is recognizing these spending\nhabits and taking the next steps on how to make better\nspending decisions<\/a> that will have the most impact on your bank account.\nThese habits can be a variety of things depending on your lifestyle and\ninterests, but what bad spending habits can often lead to are bad savings\nhabits. We know that there are many reasons why we spend money and a lot of the\ntime it makes us\nfeel good<\/a> too. But being smarter when it comes to your spending can\nhave a big impact when it comes to spending money on the things that you really\nwant. Like that trip you definitely deserve. <\/p>\n\n\n\n

What is in your savings account?<\/strong><\/p>\n\n\n\n

There are those times we cannot always plan out financially what will happen and we end up overspending. But your savings account<\/a> is another key indicator to know whether or not you are spending too much. \u00a0Do you have to dip into your savings to help pay your bills? Have you stopped putting money away into your savings accounts? Learning to save is one financial skill that should to become a habit\u00a0but can be much easier said than done. According to\u00a0CIBC\u2019s 2017 survey results<\/a>, 85 per cent of Canadian\u2019s agree that they should be saving more money than what they currently are. In fact,\u00a079 per cent of respondents aged 35 to 54 said they worry about not having enough funds to retire when they want to. Taking a step back and having a look at what you\u2019re spending is needed because you can\u2019t start saving when you don\u2019t know what you\u2019re spending money on and looking at where there is an opportunity to save. You can also build in savings to your budget. You will be surprised at how quickly a little bit each pay cheque can make a difference in your savings, even when you\u2019re feeling like you\u2019re down to every penny. <\/p>\n\n\n\n

Do you need it, or want it?<\/strong><\/p>\n\n\n\n

You need to pay\nbills. You want the newest gadget. As we mentioned above about how we\u2019re always\ntrying to justify our spending, knowing the difference between things we need\nto spend our money on versus what we want to spend our money on can make a\ndifference when it comes to overspending. We\u2019ve become accustomed to some of\nthese things that we think we \u201cneed\u201d them because we\u2019ve had them for so long\nwhen really it\u2019s more of a \u201cwant\u201d and would be just fine without them. Living\nin a society where the latest gadget is a \u201cmust have\u201d and brands create good\nmarketing<\/a> to make us feel we \u201cneed\u201d these things is one of the ways\npeople are constantly overspending and finding themselves in debt. But just\nbecause you don\u2019t need something doesn\u2019t mean you can\u2019t buy it \u2014 it means\nsaving and avoiding overspending so you can have it. It is recognizing these\npurchases which are commonly seen as treating yourself<\/a>\nand are impulse spends that cause you to overspend and break your budget. Everyone\nsplurges now and again, but it shouldn\u2019t break the bank. <\/p>\n\n\n\n

We all have them,\nthose spending habits that we wish we could break, especially when it comes to\ntackling debt. But when it comes to debt management, it is about changing your\nthinking when it comes to what you\u2019re spending. If you are you looking to break\nthose spending habits and get out of debt or need help staying afloat until\nyour next paycheck, get your payday loan online<\/a>. Learn\nmore about us, <\/a>and how\nwe are helping people get back on track and to think about making better\nspending decisions.<\/p>\n","protected":false},"excerpt":{"rendered":"

Is spending money easier than saving money? Do you find that you are spending more than you are making? You\u2019re not the only one. But if you\u2019re constantly wondering where your money is going it may be time for a new financial strategy for you to meet your financial goals. Overspending can also lead to […]<\/p>\n","protected":false},"author":3,"featured_media":6292,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[9,10,11],"tags":[294,675,1082,1148,1414,1420,1592,1902,1609,1613,1629,1901],"yoast_head":"\r\nAre You An Over Spender?<\/title>\r\n<meta name=\"description\" content=\"Is spending money easier than saving money? Do you find that you are spending more than you are making? 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