The document discusses factors that can lead to overspending and provides tips to prevent it. It identifies easy access to cash via debit cards and widespread availability of credit options like credit cards, auto loans, and mortgages as primary reasons for overspending. It warns that while convenient, relying on credit and failing to recognize the debt incurred can encourage impulse spending beyond one's means. The key is only using credit cards for purchases that can be paid off each month to avoid interest charges that drive up total costs.
9. For tips on preventing overspending and other personal finance help, go to ibudgetmanager.com. Image Credits: http://newtech.aurum3.com/ http://www.lifehack.org/
![Factors Affecting Overspending ,[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)