Here are five warning signs to look for to avoid going over budget.

1. Buying outside of your budget
If you value a particular luxury, like a new outfit each season or having a massage every couple of weeks, then it should definitely be included in your budget.

2. Impulse buying
The temptation to spend is strong for everyone. If you’re splurging, you’re not thinking ahead, and it’s easy to blow your budget on a shopping spree.

3. Not keeping track of your spending
If you don’t have an idea of where you stand with your budget, you’re at risk of spending more than you should. You should always know how much money you have within $20-50. Keep track until you know it by instinct.

4. Running out of money long before pay day
If you budget $50 for lunch for the month and it’s spent by the end of the first week, you’re in trouble. Make sure your budget is realistic and then make an effort to stick to it.

5. Using your credit card like cash
Almost all of us are guilty of pulling out credit cards when we want something now and don’t have the money for it. If you do this you need to make sure you’ll be able to pay the 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!

So with some realistic budget planning, and setting goals for those bigger purchases, you’ll be able to enjoy your (planned) spending without the worry of blowing your budget and getting into debt.