How Much Is Too Much?

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This really helped me manage my money.

We all love having money, but sometimes when we get this money, especially if you haven’t seen this kind of cash before, you might be tempted to treat yourself and indulge a little too much.

You need to be intelligent with your spending, and while you may think that taking advantage of bank deals seems like an excellent idea, it could quickly come back to haunt you if you are not careful. There is a fine line between sensible spending and irresponsibility. Too much responsibility can soon leave you in the red, with no apparent solution in sight.


Some people say that the optimum amount of credit cards any one person has is around five. This can help you designate different payments for different things. However, credit cards can easily be taken advantage of, particularly if you are too frivolous with your spending.

It is too easy just to throw some luxury purchases on your credit card. Many people choose to do this and end up suffering worst in the long run by paying extra fees. If you are looking to find the right credit account to suit you, looking at reviews on can help you find the right one for your needs that will be in your best interest.


When opening a bank account, you will typically be asked if you want to set up overdraft protection. This can come in handy if you are struggling one month and need to dip into what many consider to be free money (hint: it isn’t) that puts your account in the negative.

However, overdrafts come with charges. Depending on your limit, which can be anywhere between $250 to $1500, it can be hard to drag yourself out from a hole if you get in too deep. People will try to pay it off with every paycheck, but every day you are in your overdraft, the bank will charge you. An overdraft too small could put you in a tight spot in the short-term, but one that is too large can lead you to become complacent with your spending and can cause more significant problems in the long-term.


Of course, you might think that any amount of debt is too much, and this might be correct. However, debt is a necessary evil in life. You will inevitably encounter debt at some point in your life such as student loans or after buying a house.

While this debt is sometimes unavoidable, you want to ensure that you don’t become consumed by it, as this can have terrible ramifications on your credit score and can lead to you finding it near-impossible to purchase a car, for example, and achieve financial freedom. When looking at your debt, try to pay it off as frequently as possible and if you struggle with this, then setting up a direct debit will make the payments automatic so you don’t need to worry about overspending and missing any payments that may incur further charges.


Money can be a complicated thing to manage. However, knowing the right tricks and skills to ensure you stay financially stable is essential to eradicating your money worries and living the life you want. While the prospect of supposedly free money (again, it is never free money) can be attractive, the bank will always win out, and so being sensible and considerate about your payments and purchases is a must.

*This is a contributed post

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