21. Save Your Raise

If you got a raise tomorrow, what would be your first instinct? You probably already have a laundry list you’d want to change or purchase like a better car, bigger apartment or home, new furniture, and clothes, a new phone, or other electronic devices.

The issue lies int he fact that we often change our lifestyles right off the bat after a raise, so it’s no wonder our savings can’t keep up with us. Most of us already know how to live on our earlier budgets, so we should try to continue doing so until we reach our savings goals.

Just hold back on any sudden changes and you’ll be thankful for taking it slow in the future!