You pay off your credit cards in full, contribute to a 401(k) and coupon-clip like it’s a competitive sport.

And then... a heat wave hits and you’ve suddenly wasted $300 on tiki torches.

Turns out, while rational thinking can help you tighten your purse strings, accidental overspending is much harder to control.

Check out our list of sneaky emotional triggers (from hunger to heartache) that can cause you to go over budget. Then learn what you can do to outsmart your shopaholic instincts.