Overspending is a common habit and can be defined in a variety of ways. When you pay a dollar more for a snack at the corner store because you don’t feel like going to the grocery store, you’re technically spending more than you have to. Overspending manifests itself in a multitude of ways in personal finances. Here are a few ways to overcome overspending.

1. Make a list of all of your personal expenses. This task takes some thought. There may be many different items that you’re purchasing each day, either in person or online. If possible, use a debit card to make all purchases for a month so that you can easily track all costs. You also may have automatic debits set up from your checking account. Review all of your expenses and enter them into a spreadsheet.

2. Identify expenses that can be reduced. For example, in reviewing your list you may find that you’re paying a dollar for a chocolate snack each and every day. Buying that item in bulk might save you money each month. Your Internet provider may not be the least expensive available. Your cell phone calling plan may be costing you more than it has to.

3. Make changes. Commit to visiting a grocery store every week that allows you to save money when buying in bulk. Call Internet providers to find the best deal. Change your cell phone plan so that you are not paying overage charges when you don’t have to. Cook at home more often, and leave dining out for special occasions.