The term over-spending implies spending more than one can afford or spending beyond one's means. The antonyms for over-spending can refer to spending responsibly and within one's budget. The words such as frugal, thrifty, economical, and prudent are antonyms for the word over-spending. By practicing these words, people can prevent themselves from getting into debt and ultimately facing financial hardships. Furthermore, budgeting, planning, saving, and investing wisely can serve as other antonyms for the term over-spending. By keeping them in mind and implementing them in daily life, people can attain financial stability and have a better future.