Where Does My Money Go? Identifying Everyday Spending Habits

Join our weekly #CreditChat, launched in 2012 to help our community strengthen their understanding of credit and key personal finance topics such as saving, managing debt, and building healthier credit scores. Hosted by @Experian on X (formerly Twitter), the conversation is open to everyone—feel free to DM us with any questions.

This week’s #CreditChat is all about understanding your everyday spending habits and where your money really goes. We’ll explore simple ways to track expenses, identify spending patterns, and make more intentional financial decisions. Join us to take greater control of your budget.

Topic: Where Does My Money Go? Identifying Everyday Spending Habits

When: Wednesday, August 12, 2026

Where: Join the live hashtag discussion

The panel will include: Felicity Watts: Author at American Consumer Credit Counseling; Nika Booth: Award-winning debt expert and founder of DebtFreeGonnaBe.com; Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of JeanneKelly.net; Danielle YB Vason: Founder of SheMakeCents; Deacon Hayes: Founder of Well Kept Wallet; Patrina Dixon, CFEI, RFC Founder and CEO of It’$ My Money®; Cameron Huddleston: Personal Finance Journalist and author of Mom and Dad, We Need to Talk; Ashley Quamme, LMFT, FBS®, CFT™: Financial Behavior Specialist and Founder of Beyond the Plan®; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Sr. Consumer Education and Advocacy Manager at Experian.

Questions we’ll discuss:
1. When you think about your everyday spending, how would you describe your current habits? What do you think influences them the most?

2. What’s the best way for someone to get a clear picture of their everyday spending without feeling overwhelmed?

3. What spending habit or category catches people off guard most often when they finally start tracking their expenses?

4. How can people tell the difference between spending that reflects their priorities and spending that’s simply become a habit?

5. How do convenience, technology, and lifestyle—from mobile payments to one-click checkout and delivery apps—influence the way people make and think about everyday spending decisions?

6. What role do emotions play in everyday spending, and how can people become more aware of those influences?

7. When reviewing a budget or bank statement, what should people pay attention to beyond just how much they spent?

8. How can people identify recurring expenses or subscriptions that no longer support their financial goals?

9. What are some realistic ways to become more intentional with spending while still enjoying the things that matter most?

10. If someone could make just one change to better understand or improve their everyday spending habits, what would you recommend?

Check out our complete list of upcoming personal finance Twitter chats here.