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Other departments reporting smaller projected overspends in the city's half-year budget monitoring report are: City operations (including leisure services, neighbourhood and waste disposal and treatment) by PS666,000; Economic development (including culture, venues and events), PS569,000; and corporate management (including media and communications, coroner's service and policy) PS154,000.
8m and the North East Ambulance Service (NEAS) is to overspend by PS4m.
Millennials are willing to overspend for the right gift and the right deal.
A spokeswoman for Wirral council said:"The figure relates to a forecast overspend for the financial year and a further report will go to cabinet setting out the action being taken to address it.
But Cllr Michael Coker (Con, Kenilworth Abbey) said: "There has been a considerable overspend for two years running.
3m overspend, he replied: "What we have to understand is that all authorities across Wales are experiencing elderly populations, none more so than Cardiff.
The Department of the Environment said the main reason for the overspend was the "very sophisticated nature" of the system's programming.
A pounds 269,000 overspend in the leisure, sport and culture budget is being blamed on the wet summer, which hit municipal golf courses.
Dr David Bailey, vice chairman of the Welsh GP committee, said the overspend, was a result of GPs performing better than predicted.
Sightseeing and excursions were the next most likely areas of overspend.
A report before cabinet member for social services Ann Lucas shows the total overspend for the year now stands at pounds 5.
The overspend is being blamed mainly on the soaring cost of drugs and the number of agency nursing staff employed at the hospitals, where agency fees have to be paid on top of wages.
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