Am I spending too much?
You checked your bank account and came straight here. Let's look.
Example situation
“I make $72k/year ($4,800/month after tax). Rent: $1,650. Car payment: $480. Subscriptions: probably $200ish? Eating out 4–5x a week, maybe $600/month. I have $2k in savings and $11k in credit card debt at 24% APR. I keep saying I'll budget next month.”
Judgment —
Yes. And it's worse than you think because you don't actually know where $870 goes every month.
Reality —
Your known expenses: $1,650 + $480 + $200 + $600 = $2,930. Take-home is $4,800. That leaves $1,870 — but you only have $2k saved and you're $11k in debt, which means roughly $870/month is disappearing into things you can't even name. That's $10,440/year you're spending unconsciously. The credit card debt at 24% APR is costing you $2,640/year in interest alone — that's $220/month just to stay in the same hole. You're not overspending on one big thing. You're bleeding from twenty small ones you've stopped noticing.
Cost —
At your current trajectory, in 12 months you'll have roughly the same $2k in savings, $13–14k in credit card debt, and a vague sense that you 'really need to get serious about money.' The credit card interest alone will cost you $7,900 over 3 years if you only make minimums. That's a vacation you'll never take, paying for meals you've already forgotten.
Move:
Tonight: pull your last 90 days of transactions and categorize every dollar. Not next month — tonight. You can't fix what you can't see. Then put the $870/month ghost spending toward the credit card. At $870/month, you clear the debt in 14 months and save $4,400 in interest.
Real OneShot output — 1 input, 1 answer, no comfort