Verb phrase: "go over budget" is used to describe going beyond the budget, making the sentence more direct and clear.
Past participle as an adjective: "hidden fees" using past participle as an adjective to describe the type of fees, adding descriptive and detailed information to the sentence.
Infinitive phrase: "spending can spiral out of control" using an infinitive phrase to describe the possibility of spending spiraling out of control, emphasizing the potential risks and consequences.