5 Overspending Habits Keeping You Broke Every Month

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1. Grocery Shopping Without a List

You walk into the store for milk and somehow leave with five bags and no milk.

That’s what happens when you shop without a list. Your brain turns into a “grab everything” machine.

Here’s what this habit really costs you:

  • Impulse buys add up. You grab snacks, extras, and duplicates you don’t need.
  • Missed essentials. You forget key ingredients and go back later, spending even more.
  • No plan = waste. You buy things that expire before you ever use them.
👉 Here's How You'll Do It: Plan meals for the week, make a short list on your phone, and refuse to buy anything that’s not on it.

Make It Easy: Consider a magnetic meal planner board on your fridge so you always know what to buy.


2. Shopping When You’re Stressed or Bored

Online shopping becomes therapy when life feels overwhelming. But it’s therapy with shipping fees.

You convince yourself that a new top or gadget will make you feel better, but it just adds clutter and guilt later.

This one sneaks up on you fast:

  • Emotional spending. You’re soothing stress, not solving it.
  • Impulse checkout. One-click purchases remove the time to think.
  • Regret factor. The rush fades fast, but the credit card bill doesn’t.
👉 Here's How You'll Do It: Next time you’re stressed, go for a walk, call a friend, or tackle a small chore before opening that app.

Make It Easy: Try keeping a “stress basket” with things like candles or nail polish for quick self-care instead of scrolling.


3. Buying Convenience Over Planning Ahead

Convenience is nice until it drains your wallet one coffee and DoorDash order at a time.

You pay extra for speed because you’re tired, busy, or forgot to prep, and those little charges add up faster than you think.

You’ll notice it here:

  • Takeout habit. You’re paying triple the cost of home meals.
  • Delivery fees. You spend more for the same groceries.
  • Quick fixes. You buy prepackaged items instead of cheaper bulk ones.
👉 Here's How You'll Do It: Choose one day a week to prep snacks, meals, or even coffee for the next few days.

Make It Easy: Use a set of glass meal prep containers so dinner is always ready to grab.


4. Constant Online Shopping “Just to Browse.”

You tell yourself you’re “just looking,” but your cart says otherwise.

Browsing online stores is the digital version of wandering Target. You find 10 things you didn’t know you needed.

Here’s where it gets dangerous:

  • Saved carts = temptation. You go back later and buy it anyway.
  • Email discounts. You sign up, get “10% off,” and spend 100% more.
  • Free shipping traps. You add more just to hit the minimum.
👉 Here's How You'll Do It: Set screen limits or delete shopping apps until payday to stop random scroll sessions.

Make It Easy: Try using a storage bin for unopened impulse buys. Seeing the waste hits harder than any “checkout now” button.


5. Takeout Meals That Replace Home Cooking

Ordering takeout feels like a reward after a long day. But it’s slowly eating your savings.

You convince yourself it’s “just once this week,” but suddenly your bank statement looks like a restaurant directory.

It usually plays out like this:

  • Delivery fees stack. You pay $10 extra for every order.
  • Food waste. Groceries sit untouched while takeout wins again.
  • Portion creep. You order more food than you’d make yourself.
👉 Here's How You'll Do It: Keep one or two easy go-to meals for nights you’re too tired to cook (pasta or quesadillas work wonders).

Make It Easy: Pick up a non-stick skillet set that makes cleanup painless and cooking faster.


📌 SAVE IT FOR LATER! 📌


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Lily Thompson

Hey, I'm Lily! I'm a mom who's really good at two things: stretching a dollar and talking about stretching a dollar. I created Money Vice after one too many grocery trips where I watched my total climb and thought, "There's gotta be a better way." Spoiler: there is. Think of me as your money-savvy friend who's always got a tip (and coffee in hand).