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Depends on the pay raise but I’d just generally go out of my way to grab something nice. My last big title bump allowed me to breath a little bit easy and throw more on my student loans and that was weirdly just nice. 🙁
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I increase the amount that I have pulled out for general savings, IRA, and 529s. I treat myself already, so I just farm it out for the future.
I allow a small treat, buy some flowers for myself and do something fun with the Daughter.
Then I bang the rest into savings.
When I 1st started working in research I got a significant pay raise. Plus it was hourly vs salary. I put all my overtime in the bank.
Then we got a raise for marketplace analysis. And man that really helped. A good chunk of that went to savings.
I also did do regular pedicures and manicures. Shopped better skincare and makeup brands.
I’m glad I put so much in savings. It helped me buy a camper and golfcart. Then has helped me in the past year as I have spent approximately 4 months unemployed. Had a multiple home and camper repairs. Car repairs.
I went out and had oysters for dinner. After, it was all normal spending again.
I bought a puppy 💙💙 hes a whippet and 8 months now. He’s the best thing I’ve ever bought.
Expensive takeout is always the first thing for me lol.
So nothing , do not change your lifestyle and invest the incremental difference in an index fund , this will help you retire early , if you get a raise the following year , treat yourself but still invest some in the index fund
Maybe buy something nice like a bag or a pair of shoes, cause the ones I use is already worn out, nice dinner, a new book, skincare, new appliance etc. Nothing too fancy.
Half to early mortgage payoff ..1/4 to savings 1/4 to regular checking.
When I get it I go to a nice dinner out maybe blow 2 or 300