The best way to change your spending habits is only to buy things that fit within your budget. If you don’t have limits in place, living beyond your means can happen without realizing the problems.

How do you avoid spending less than what you earn each month? It looks different for each person and family. You may need to cut back on luxuries, avoid debt, and set financial goals. It would help if you created a plan that takes you to the place you want to be and stick to it.

That process starts when you can identify that you’re living beyond your means. Here are the most common symptoms of this issue.

You’re Worried About Perceptions

Some people can go out each weekend for a night on the town while staying in their budget. Putting peer pressure on you to do the same can make it hard to live within your means. If you’re worried about others will think, saying yes could be financially devastating to “prove” you have the same resources.

You Have No Savings

An emergency fund should manage six months of expenses if something happens to your income. If you have a $2,000 mortgage, that means you need $12k in the bank with enough to cover utilities, food, and other essentials. With over 40% of American households having less than $1,000 in the bank, it is easy to see how many people are living beyond their means.

You Have Credit Card Debt

Wealthy people use debt strategically. If it helps them to make more money, they’ll use a balance. If not, they avoid it. When you can’t pay off your balance each month, you may have a spending problem to curb. Points and rewards are only useful if you’re not spending your hard-earned money on interest.

You Have Overdraft Fees

It feels good to get paid. Your finances go from being in the red to the black when that happens. What occurs next determines if you’re living beyond your means. Does your spending require you to dip into your overdraft protection? If it does, it is time to start changing your spending habits.

Another way to fix your budget is to earn more money. Starting a side hustle or getting a second job ensures that you can have the lifestyle you want. When you can find the right balance, life can be good.