How to avoid over expenses and have discipline

[Miles2006]

I think the easiest way for those of you who want to avoid excessive expenses to save your money in people who can manage your money, for example if your wife is good at managing money then trust her to manage your finances, in my opinion the average woman is good at managing money, if Do not have a wife, so the choice is your mother, it's much better for those of you who cannot control your desires.

With a note that you know they can control finances, if they are the same as you I think you only have to try more to discipline yourself in managing finances.

It is tough to save money these days since there are too many bills to pay, and if you have children, how do they manage with all the expenses? It is not easy for everyone. You make plans, and then additional problems emerge from nowhere. If you have a good wife who manages money properly, you are fortunate. The majority of women in this generation do not want to work because all they worry about is the male addressing all of their problems, which causes the man to be unstable.

I think if you differentiate your needs from want you will be able to save your money, I personally don't want to talk about needs but we humans can't do without need cause it's essential but I see want as satisfying your desire when it's not necessary like buying ice cream, going for shopping etc, I understand your point having a supportive wife that's willing to support the family now in this generation is rare.
But the op actually mentioned making a realistic budget I think that will help if everyone can keep to the budget list and secondly making a family budget doesn't stop anyone from living a luxury life, the problem is most people fail to understand how to spend their money and they find themselves running short of money, making a budget shows how dicispline a person is when it comes to financial matters.
But the 24 hours rule it sounds as an oppression cause as a family man sometimes expenses comes unexpected.

[1715291803]

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[1715291803]

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[1715291803]

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[Lanatsa]

1. Make a realistic budget
3. Break down luxury expenses

This two would be the key or simply just my own personal choice considering that i have that a bitter experience because of buying with luxury expenses without even trying to think about on how
i would be able to pay and maintain up for long term. Yes, it could give out that kind of happiness and contentment but on the time that you are already experiencing burden on your back
specially on monthly payments specially if you do have mortgages then it would really be that an another story have. This is why you should really that mindful when it comes to your
expenses and other means on which if you arent that mindful about it then you would really be finding yourself on a great debt.

Everything should really be in moderation on which it does really need up that kind of control because we know that once you do mess up with this then
it would really be bring that huge impact into finances.

[Twentyonepaylots]

1. Make a realistic budget

I think this one should be the best advice everyone should take note of. We always budget on everything, and when we say budgeting it also covers the cents we spend. Having a realistic budget also mean that you are thinking ahead of time, this means you already thought of the things you may need to spend from 0.1 to 100.

3. Break down luxury expenses[/b]

I don't have such a luxury on my body, not just a fan of, but I do have some expensive stuff but I can't find it any luxurious, however with luxury it should also be taken down based on our capacity. If we don't afford any luxury don't spend on it, even just to experience at least once, this is a big no. One thing I could advice to spend in luxury is if you can spend x10 of it, like sports car, mansion, designer clothes.

Everything should really be in moderation on which it does really need up that kind of control because we know that once you do mess up with this then
it would really be bring that huge impact into finances.

At the end of the day, this all comes down to our discipline on our finances. Be in control, do not let your money control you.

[bakasabo]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

[kingvirtus09]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

I just think that we can no longer avoid overspending in the reality of our lives. Whether we are rich or poor, we experience it; the only difference is that the rich will not feel that they have over expenses.

It's not like people like us or me who can feel it and notice it, but as much as possible, if we can avoid it, let's do it so that there is no problem and we are not affected in real life. That is why having self-discipline is important.

[eightdots]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

[JunaidAzizi]

Isn't it stressful when we spend more than expected, right? especially if we follow a budget, having a smart spending habit is a good way to avoid such situations or events....

Op you are absolutely amazing and the points which you mentioned are very awesome and it will help in the economy of every house if they follow. Well I personally follow the whole week food chart in which I decided what to eat on which day and there are also plan for the guest as guest come at every time . Some people buying a branded things and I am wonder why they are wasting that money if the same thing will work better then that branded things. Mostly our monthly budget is out because of the wrong management and expenses on useless things. Just write the whole month groceries in a note book and fix a suitable fund for it and then you will be free form buying it to the whole month. If we make plan and going according to it then we will easily manage it even in a low salary.

[Raflesia]

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

The problem with this is that when we don't realize from the start that such things can be dangerous, we will indeed get carried away and forget, leading us to shop for things we want (not need) carelessly.
This kind of thing always happens which makes us a hedonistic person because we don't have good self-control and financial management.
But on the other hand, things like this always happen when there is a transition where we have more money because we always want to try something that we have never felt just to fulfill our own curiosity.

This obviously has to be reduced but it's not as easy as it looks because it's just human nature that when their finances increase then indeed the consumptive lifestyle always attacks and makes us complacent which ultimately makes us regret it at the end.

[Quidat]

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

The problem with this is that when we don't realize from the start that such things can be dangerous, we will indeed get carried away and forget, leading us to shop for things we want (not need) carelessly.
This kind of thing always happens which makes us a hedonistic person because we don't have good self-control and financial management.
But on the other hand, things like this always happen when there is a transition where we have more money because we always want to try something that we have never felt just to fulfill our own curiosity.

This obviously has to be reduced but it's not as easy as it looks because it's just human nature that when their finances increase then indeed the consumptive lifestyle always attacks and makes us complacent which ultimately makes us regret it at the end.

Realization could neither be directly felt on first tries or would really be able to find out when things get messed up? This would really be that indeed varying on each person because we do know
that we do have different insights and views towards things and making out some decisions according into the situation we are in.In overall, having a good budget or financial allocation would really be that something crucial or something which is really that important.  If you are just that earning less then it would be just that normal that you would really be needing to adjust.
Spend only on the amount which is really just that right on your daily needs, if you do have some extra money then better kept it for savings and if there's still another extra then
this is the time you would be considering on buying some of your wants but of course everything should be in moderation.

Just stick into your budget plans and never ever make yourself get overdropped because if you do then you would mess up in the end of the line and this is something that must be
avoided in the first place.

[Davian144]

I just think that we can no longer avoid overspending in the reality of our lives. Whether we are rich or poor, we experience it; the only difference is that the rich will not feel that they have over expenses.

It is very common for rich people not to experience excessive spending because they have more income to meet every need they need in life. So this is only more likely to be felt by poor people because poor people are constrained by their income level which is still less than the amount they need. So what you are saying is a very normal thing, even though in the current conditions it is actually very difficult for anyone to avoid excessive spending because most of the basic necessities have become expensive.

It's not like people like us or me who can feel it and notice it, but as much as possible, if we can avoid it, let's do it so that there is no problem and we are not affected in real life. That is why having self-discipline is important.

Everyone may have tried their best not to feel that way in their own lives, but this will still be felt by some people who still have very low incomes. Because in terms of daily needs, things are now starting to look the same even though everyone is still struggling not to spend too much money every day. However, this is still difficult to do except by simply trying to earn more income in each of our lives through different jobs.

[bakasabo]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

Impulsive purchases not always lead to spending more money than you have, but I agree that they play significant role. Humans are so tricky, that they can always explain and convince to themselves why they need to purchase exactly that thing and do it right now. Which transforms impulsive purchase into a regular purchase.

I would like to add to a list of actions to avoid spending to much such thing as changing habits. If we put on a list all the things we have bought or spend money on during month, we would see that there items or services we buy automatically, while they aren't needed that much or can be substituted. I'll give an example - morning coffee. We can get it home and pay only for coffee, electricity or water. Not expensive in general. We can get same cup of coffee at work, where your employee most likely give it for free. Or we can get it for 9,99 at Starbucks. Each day, several times per day.

[Dickiy]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

Yes, avoiding to allocate money to purchases is indeed a very appropriate action in terms of financial management in our lives, none other than because we must make considerations to adjust expenses with income. I think consideration is very important so that we can reach the right decision and avoid regret when something we buy is really not useful or has a good impact on ourselves.

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

[erep]

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

You are right, our effective steps must be to differentiate basic needs and other needs to organize maximum financial management. If we have a limited budget, we must calculate the amount of monthly expenses for basic needs and the rest for other needs if necessary, but I suggest you have monthly savings for increase emergency needs funds. Of course, managing financial patterns in life is very simple, but our instincts are difficult to control to buy other needs without consideration, which is why many people do not have emergency savings funds which are very useful for future financial needs.

[Mahanton]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

Yes, avoiding to allocate money to purchases is indeed a very appropriate action in terms of financial management in our lives, none other than because we must make considerations to adjust expenses with income. I think consideration is very important so that we can reach the right decision and avoid regret when something we buy is really not useful or has a good impact on ourselves.

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

Its truly impossible for someone not to be able to know on where their money would be going not unless if they do have those vices like gambling, drinking liqour and other activities which is really that consuming out too much fund on which you would really be just only be able to realize when its late but if we are talking into those typical spending like in food and other important things then it would really be needing that good allocation or budgeting on which we know that it would really be that so crucial on this part on having this kind of consideration. Having that kind of planning would really be saving up yourself on potential devastation or overdropped
with your budget and this is something that we dont really like because it would really be giving out that huge impact specially if you do have a family to raise on which budgeting would really be something
that recommended or something that crucial.If you arent really that something mindful about these basic stuffs then you would  really be ending up on having that kind of disastrous kind of situation
in speaking about finances.

[Fortify]

Isn't it stressful when we spend more than expected, right? especially if we follow a budget, having a smart spending habit is a good way to avoid such situations or events.

1. Make a realistic budget
           In budgeting it is important that we consider everything. It should be realistic and achievable, It cannot be said that the budget is only 20$ for a week for food if you are 8 people who will eat at home. Plan what to eat every day and budget for it. Write down all the ingredients or how much to buy and how much it will cost in pmashae or gasoline if there is a car. Do everything with consideration and do it consistently.
Stop yourself from buying things you don't need, like buying coffee at starbucks when you can just buy 3 in 1 sachet coffee that just tastes like coffee. Because if we cannot prevent such expenses, include them in the budget.

2. Find out what triggers the cost
            It's important that we know this if it's stress, boredom, pressure from friends, need to follow the trend and so on. It is important that we have discipline in these things if you want to avoid overspending. For example, if you're bored, you hang out online shopping at Lazada, Amazon, and others, this habit should be replaced with something more productive, such as cleaning the house and others where you can avoid it and do something good.

3. Break down luxury expenses
             Try to list the things you have spent and separate the luxury and the things you have spent. It is important that you know what is really needed and the word I deserve it.

4. Make the 24 hour rule
             This rule helped me when I was building in this way. Because when I want to buy something, I put it off for 24 hours, and during this time I learn how to assess these things. Usually the excitement we experience disappears immediately after a few hours. You imagine the sacrifices you will make when you accomplish them. Like the small savings you have or sometimes we will even borrow the money we will use here. At least in this way we can avoid impulsive buying or bursts of emotion.

5. Set a budget
            Allocate a limit on expenses, know all areas of expenses from food, rent, electricity, water, shopping and other things related to spending. Once you set all of your spending limits, make sure to follow them and do it because everything will be ignored if you don't do it.

I hope this somehow helped us and the community here on the forum.

These things will ultimately change over your lifetime, things that apply to people at a younger age will be totally inappropriate for somebody that is approaching retirement. Take general spending for example, when you are young you should get a lot of value from building life experiences through events, socializing and travelling. These things can bring you a depth of knowledge and experiences that are better than having money sat accumulating in a bank. However when you're near retirement age, you might start de-risking with things like your pension plan, swapping out equities (stocks) for bonds that pay less but are much more secure and unlikely to go down much in an economic crash.

[passwordnow]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice.

That's the start and that's what we call learning from his/her own experience. Because if you never experience the hardship of living under pressure and having nothing, you'll still be the type of person that never grown. Over expenses is a spending habit that you shouldn't really adopt even if you're the richest person in the world. Look at those people, their overspending habit are on assets and not with useless things.

We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Especially on this generation, about the healing the inner child when they're still thinking of the things that they have never bought because they can't avail it and now that they've grown up, it's like checking all of those things that are on their list. It's gonna be a nonstop list and checking and that's part of over spending and losing their discipline towards their money habits and management.

It's true that we get to plan and budget but most of the times when we're no longer disciplined, we're not following all of those plans, the budgeting and etc. Because what we're thinking is we can afford it despite that it's not really part of the plan.

[bakasabo]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice.

That's the start and that's what we call learning from his/her own experience. Because if you never experience the hardship of living under pressure and having nothing, you'll still be the type of person that never grown. Over expenses is a spending habit that you shouldn't really adopt even if you're the richest person in the world. Look at those people, their overspending habit are on assets and not with useless things.

We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Especially on this generation, about the healing the inner child when they're still thinking of the things that they have never bought because they can't avail it and now that they've grown up, it's like checking all of those things that are on their list. It's gonna be a nonstop list and checking and that's part of over spending and losing their discipline towards their money habits and management.

It's true that we get to plan and budget but most of the times when we're no longer disciplined, we're not following all of those plans, the budgeting and etc. Because what we're thinking is we can afford it despite that it's not really part of the plan.

People can plan their budget differently. They can plan to spend today more than they have, if their income during X period would be constant. That is also planning, but it consist having over expenses. Or people might plan to buy something they cant afford, and plan to repay it during X period. So planning also have underwater stones. For example right now I am planning to buy a car and cover part of its price by credit, even though I can pay whole amount at once.

Imo the problem of over expenses rises from oversaturated market. We have to many things to buy. We have to many things we want to have. I think if people wants to solve over expenses problem, they should start from that.

[EarnOnVictor]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

Yes, avoiding to allocate money to purchases is indeed a very appropriate action in terms of financial management in our lives, none other than because we must make considerations to adjust expenses with income. I think consideration is very important so that we can reach the right decision and avoid regret when something we buy is really not useful or has a good impact on ourselves.

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

All these still buttress on being conservative and I can say emphatically that I am very conservative, however, doing this too much is also very bad. Good, we should not live beyond our means but instead of trying to be too conservative, you might want to add to your income sources, this is now my resolve to the situation. You see, many of us who believe that one thing or the other might not be needed at times are doing that because we've not reached our financial freedom. Frivolities are the only things I would not support, and even at times, I still close my eyes to living big even as I am always trying to be conservative and not waste money. The reason is because what we eat and use are only ours in the land of the living and anything can happen at any time. So depriving yourself and your family might not be the best choice all in the name of being conservative and investing.

I hope you get my gist. In summary, as we are trying to be conservative, we should moderate things, and if money is the problem, is better we increase our hustling rather than depriving ourselves of the good things of life in the name of being conservative.

[carlfebz2]

I think that to avoid over expenses a person must experience first what it is like to live under pressure of owing money to someone. Real life experience is what differs theory from practice. We can say a lot about making budget, planning, avoid impulsive purchases. But people would still get tricked by taking wrong decisioins. But if we already know what will life would be, when we have already burned, then it will be much easier to avoid.

Avoiding impulsive purchases may be the biggest factor in solving the problem. Most of our unnecessary expenses are things we buy on impulse. If we can prevent these, we will have taken a big step towards achieving what we want.

Companies that want consumption to happen take steps to deceive people, and they are very successful in this. The amount of money we spend on things we don't need is increasing day by day. To prevent this, we must make a list of our unnecessary expenses. What we seem to need today may not be needed tomorrow. It is necessary to think in detail before shopping.

Yes, avoiding to allocate money to purchases is indeed a very appropriate action in terms of financial management in our lives, none other than because we must make considerations to adjust expenses with income. I think consideration is very important so that we can reach the right decision and avoid regret when something we buy is really not useful or has a good impact on ourselves.

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

All these still buttress on being conservative and I can say emphatically that I am very conservative, however, doing this too much is also very bad. Good, we should not live beyond our means but instead of trying to be too conservative, you might want to add to your income sources, this is now my resolve to the situation. You see, many of us who believe that one thing or the other might not be needed at times are doing that because we've not reached our financial freedom. Frivolities are the only things I would not support, and even at times, I still close my eyes to living big even as I am always trying to be conservative and not waste money. The reason is because what we eat and use are only ours in the land of the living and anything can happen at any time. So depriving yourself and your family might not be the best choice all in the name of being conservative and investing.

I hope you get my gist. In summary, as we are trying to be conservative, we should moderate things, and if money is the problem, is better we increase our hustling rather than depriving ourselves of the good things of life in the name of being conservative.

Everything is too much would really be that always bad and it doesnt matter on which thing but everything on this world does have that kind of limitation and its not bad on buying up something that we do like
specially if we do have the money on which it would be normal that you would really be that buying on that on something that makes you happy but of course if things turns out to be too much then this is where things starts on messing up and this is something that must be avoided. Just like on what most people been saying on here that moderation and control is indeed crucial. If you do see that you are just only earning the amount which is something that it is really just that enough for your daily needs and having some small savings then its better not to consider on spending it again on gambling or trying out to risks it because its never been that recommendable on doing so.

Who would really be on their right minds that they would really be that tending to gamble our their life savings? Or trying out to gamble his/her income
just they do believe that they could make out several folds with it and would be ending up on having tons of money which is more than on what he bet?
You are really just that making yourself delusional on this aspect.

[Fredomago]

In my opinion, one of the things that can be done for prevention is to do research in advance about what you really need within a month or one year, such as separating what your basic needs are within a month and if that's all you need then you can put the amount of money that you need for expenses, and also on the other hand we must learn to distinguish what is meant by needs and desires, sometimes people like to be fooled by something they think is a need when in fact it is just a desire from their lust that will only give them satisfaction but not get any other positive impact.

You are right, our effective steps must be to differentiate basic needs and other needs to organize maximum financial management. If we have a limited budget, we must calculate the amount of monthly expenses for basic needs and the rest for other needs if necessary, but I suggest you have monthly savings for increase emergency needs funds. Of course, managing financial patterns in life is very simple, but our instincts are difficult to control to buy other needs without consideration, which is why many people do not have emergency savings funds which are very useful for future financial needs.

And make sure that each planning ahead will be executed well, most of the time even you already plan everything there's unnecessarry expenses that you need to address, things that will ruin everything and to the point that you need to use your credit cards or loan money to cover that expenses, not alone with those what you want but emrgency that needed to be well-covered, it also affected your budget.