7 signs you're spending more money than you can afford - Business Insider

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There are a few giveaways that you're overspending

5. Your rent or mortgage exceeds 30% of after-tax income

The standard measure of housing affordability in the US is 30% of pretax income. For example, someone with an annual salary of $50,000 should ideally spend less than $1,250 a month on housing costs. But that doesn't factor in taxes. A more helpful way to gauge whether you're overspending on housing is to try and limit your monthly expenses to 30% of your after-tax income. This can be tough to manage in a high cost-of-living city, but it's a good benchmark to aim for. Use6. You buy things to keep up with or impress your friends

If you're buying a ticket to every festival or joining every happy hour because that's what your friends are doing, it may be a sign you're spending more than you can afford. Social media exacerbates the "Keeping up with the Joneses" affliction many of us suffer from. You probably don't know the financial situation of each of your friends and assuming you can afford something because they can — or worse, you're trying to impress them — isn't a sustainable strategy.and big expenses should always be a part of your budget.

 

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Why, I was so scandalized upon perusing this article that I almost choked on my aspic.

Well, wearing a top hat at a boozy picnic is definitely a good sign you might be splurging. The fanciest thing I bring to picnics is the Mediterranean scenery on my tub of hummus.

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Anyone that has student loans or any kind of long term high interest debt should have a negative net worth, they shouldn't even be buying shit, they should be paying those loans off

We don't have enough money to spend on daily food..

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