Overspending can lead to credit card debt, low savings, an un-prioritized retirement plan, and missed opportunities to allocate saved cash to investments which can then yield a higher return on your money. Ill leave a link to a free easy to use monthly budget spreadsheet and saving tracker in the description below. So feel free to download the spreadsheet to start tracking your monthly finances. 13 POWERFUL Tips On How To STOP overspending & Start Saving Money.