---
title: Lumi Money Blog | Prevent Overspending in Real Time
description: Insights on preventing overspending with real-time financial guidance. Learn how Lumi helps you make confident decisions between paycheck.
---

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# Overcoming Overspending

Insights on preventing overspending with real-time financial guidance. Learn how Lumi helps you make confident decisions between paycheck.

![](https://www.lumimoney.com/hs-fs/hubfs/spending%20style.png?height=500&name=spending%20style.png)

[development](https://www.lumimoney.com/blog/tag/development)

## [From Spreadsheet to App](https://www.lumimoney.com/blog/from-spreadsheet-to-app)

 See how one Excel spreadsheet evolved into Lumi Money after 11 years of solving one financial problem.

![](https://www.lumimoney.com/hubfs/Assets/Circle%20Headshot%20For%20Ricardo%20Kendrick%20II.png)

**Ricardo Kendrick II**   
Jun 30, 2026, 7:44:04 PM

![](https://www.lumimoney.com/hs-fs/hubfs/Managing%20Spending%20-%20A%20couple%20having%20a%20discussion%20about%20money%20at%20a%20restaurant.png?height=500&name=Managing%20Spending%20-%20A%20couple%20having%20a%20discussion%20about%20money%20at%20a%20restaurant.png)

[overcoming overspending](https://www.lumimoney.com/blog/tag/overcoming-overspending)

## [My Thoughts: On Conversations About Budgeting](https://www.lumimoney.com/blog/managing-spending/thoughts-on-conversations-about-budgeting)

![](https://www.lumimoney.com/hubfs/Assets/Circle%20Headshot%20For%20Ricardo%20Kendrick%20II.png)

**Ricardo Kendrick II**   
Mar 13, 2026, 12:25:23 PM

![](https://www.lumimoney.com/hs-fs/hubfs/Managing%20Spending%20-%20cashier%20ringing%20up%20a%20customer%20deciding%20what%20to%20purchase.png?height=500&name=Managing%20Spending%20-%20cashier%20ringing%20up%20a%20customer%20deciding%20what%20to%20purchase.png)

[overcoming overspending](https://www.lumimoney.com/blog/tag/overcoming-overspending)

## [Why Your Bank Balance Can Lead You to Overspending](https://www.lumimoney.com/blog/managing-spending/bank-balance-can-lead-to-overspending)

![](https://www.lumimoney.com/hubfs/Assets/Circle%20Headshot%20For%20Ricardo%20Kendrick%20II.png)

**Ricardo Kendrick II**   
Mar 13, 2026, 11:18:53 AM

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