Here are five warning signs to look for when you’re about to go over your budget.

Number 1: Buying Outside of Your Budget

Seems obvious, doesn’t it? If you value something – like a new outfit or getting your hair done – then it should definitely be in your budget.

Number 2: Impulse Buying

“Can’t I splurge once in a while?” The temptation to spend is strong for everyone. If you’re splurging, you’re not thinking ahead.

Number 3: Not Keeping Track of Your Spending

If you don’t have an idea of where you stand with your budget, you’re about to go over. You should always know how much money you have within $20-50. Keep track until you know by instinct.

Number 4: Running Out of Money Long Before Pay Day

If you budgeted $50 for lunch for the month and it’s spent by the end of the first week, you’re in trouble. Follow the advice in Number 1 and make sure your budget is realistic.

Number 5: Using Your Credit Card Like Cash

Almost all of us are guilty of pulling out credit cards when we want something and don’t have the money at that moment. Follow the advice in Number 2 and make sure you’ll be able to pay that debt off soon. If you don’t have the money to pay for it now, it’s unlikely you’ll have it later unless you plan and save!

Look at these scenarios to see what kind of spender you are.