live beyond your means
US /lɪv bɪˈjɑːnd jʊər miːnz/
UK /lɪv bɪˈjɑːnd jʊər miːnz/

1.
to spend more money than you earn
:
•
Many people live beyond their means by constantly buying new gadgets and clothes.
•
If you continue to live beyond your means, you'll end up in debt.