With the holiday shopping season in full swing, the personal finance website WalletHub analyzed the 50 states and the District of Columbia to analyze consumer spending habits and determine which states' residents are most at risk for spending more than they earn.

The list is based on several spending and debt factors in each state, adjusted for income and the cost of living. Among the factors WalletHub looked at were food and beverage spending; spending on housing, utilities and health care; and auto and credit card debt. 

WalletHub found that the following states are home to consumers who spend the most money as a percentage of their incomes.

The states are listed in ascending order.

No. 10
Georgia

Ranked among the highest for automobile and credit card debt and for food and beverage spending.

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