What to do with that raise

Did someone mention raise?!

Okay so if you're not dealing with a salary freeze, you received some type of increase- either a raise or a cost of living increase. Do you really need the extra money? As you may have figured out by now, once you get accustomed to a higher living style it is really difficult to go back. Thus, keep your living style to the basics and put your raise in a 401K account. You won't really miss the extra trip to a restaurant and you'll be thankful when you are able to retire earlier.