5 Signs You’re Living Beyond Your Means in 2025 (Australia Edition)

It’s easy to lose track of your spending — especially with tap-and-go and buy-now-pay-later services everywhere in 2025. But are you spending more than you earn?

1. You Rely on Credit Cards for Essentials

If your groceries, fuel, or rent go on a credit card every month, it’s a red flag.

2. You’re Only Making Minimum Payments

Paying just the minimum on debts means interest builds fast — and traps you longer.

3. No Emergency Fund

Without even $1,000 saved, you’re walking a financial tightrope.

4. You Upgrade Things You Don’t Need

New phone every year? Designer clothes on Afterpay? Watch out.

5. Your Debt Keeps Growing

If your balances keep increasing despite regular payments, it’s time to assess your lifestyle.

Fix It: Track your spending. Set realistic goals. Focus on needs over wants.