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Have trouble with overspending. Here are some tips to break the habit. Spending mindfully is a sign of healthy money habits. On the flip side, spending until your bank account is almost empty can lead to overdrafts getting hit with fees and added stress. One way to spend more comfortably is to give yourself a buffer instead of spending until your account is at zero. Redefine what zero means. It could be $50, $100, or whatever amount works for your budget. Redefining zero can help you limit over spending so you can stress less while you wait for your next deposit. If you're having a hard time keeping a buffer in your account, take a look at your expenses. Are there ways to find savings on necessities like groceries and utilities by using coupons or switching your phone plan? What about your non-essential spending? Does it align with your values? Or do the extra costs actually end up adding stress? Are there things you can cut out without impacting your happiness? When you spend wisely on the things that really matter most to you, you are taking care of your money and mindset. For more tips and inspiration, visit and mindset.

Help limit overspending by redefining zero balance.

Stress-free saving

See how this mindset shift can help you build a buffer in your bank account.

Spending until your bank account is almost empty can lead to overdrafts, getting hit with fees, and added stress. One way to help avoid this is to redefine what it means to be out of money. Instead of seeing $0 as zero, think of $250 as zero—or whatever amount makes sense for your budget.

This mindset shift can help you limit overspending, so you’ll stress less while awaiting your next deposit. Spending money is a necessity­­but the way you spend it can separate financial stress from financial success.

For more help getting on the path toward better financial confidence and well-being, check out this collection of stories.

This content does not constitute legal, tax, accounting, financial, investment, or mental health advice. You are encouraged to consult with competent legal, tax, accounting, financial, investment, or mental health professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.