One thing I have been fighting recently was overspending. Overspending can happen when I decide to spend my money on something I normally do not spend it on. Overspending is more likely to happen during summer months when I am more likely to want to go somewhere on vacation. It is not rare for my friends to encourage me to go somewhere with them. For me, this means overspending. I usually do not include my vacation expenses in my budget. Since I do not go on vacation every month, I do not see a reason to include it in my budget.