Home prices have appreciated by 45.3% in the last five years — more than double the typical appreciation rate according to Zillow.

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As a result, many buyers have overextended themselves in an effort to become homeowners. Watch out for these signs that you bought too much house.

Budgeting is a zero-sum game. If you spend more on housing, it leaves you less for entertainment, travel, healthcare, saving, investing, and everything else you want and need.

“If you’re spending more than 25% to 30% of your monthly income on fixed housing costs like your mortgage payment, insurance and property taxes, you’re pushing the envelope in terms of how much debt you should carry with your current income,” explained Realtor and investor Jacob Naig with Realty One Group.

And housing costs don’t end at the mortgage payment. They include utilities, maintenance and repairs, and they often catch first-time homeowners unawares.

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Homeowners who bought too much house typically find themselves so strapped for cash that they fail to set aside money for repairs and maintenance.

“Homeowners should save money each month for inevitable maintenance and costs,” explained investor Adam Hamilton of REI Hub. “But overextended homeowners can’t afford to, so when repairs pop up, it creates a crisis.”

Larger homes and land cost more to maintain.

Fred Loguidice, founder of Sell My House Fast Providence, sees it all the time. “That large lawn or extra square footage felt great in the beginning, but if you’re constantly shelling out for utilities, maintenance and repairs and that are dominating your weekends and your budget, you probably bought more than you can handle.”

Remember those hobbies, trips or even going out to dinner occasionally? You can have that again — if you tackle the problem head-on.

Start simple by reducing heat and cooling usage. Lower your thermostat in the winter and wear warmer pajamas. Close the vents in rooms you rarely use, and keep those doors closed.

As for that big, beautiful yard? Consider setting aside the closest part to be your mown lawn, and let the further reaches become a wildflower field.

If you bought more bedrooms than you need, consider renting them out, either to long-term renters or short-term guests on Airbnb. Even renting out space for two long weekends each month could make a big difference in your budget.