It doesn't matter what your income is, if your spending is completely out of control.

So the income is not always the problem sometimes.

It's the spending and that we are not intentional.

Hey guys, welcome to the Rachel Crucio podcast.

I am so glad that you're here.

In this episode, we're going to talk about all things budgeting.

I'm going to go over seven things that might be keeping us from our money goals.

And I'll also go over 15 practical budgeting tips to make budgeting less intimidating.

But first, let's go over three categories we tend to overspend on and how to build those

forgotten expenses into your budget.

Take a listen.

All right.

If you already have a budget, then you're probably doing really well with your money.

I'm impressed.

But even if you have a budget, there are categories that we all tend to overspend on.

So we're going to walk through three of the most common places we tend to overspend.

And then later on, we're going to talk about three ways to safeguard against overspending

because it can be so easy.

But the first one, the first area we always tend to overspend is online shopping.

Guys, this is a hard one because it is so easy, so easy to overspend because it's convenience,

it's a time saver.

Stuff just shows up on your front porch.

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