6 spending triggers to outsmart
Landing a raise
If you receive a raise, it may be tempting to simply absorb that extra money into your budget rather than using it strategically. Just going ahead and spending the money doesn't help you get ahead and could lead to more phantom costs.
Some advisers recommend upping your retirement savings so you won't notice the difference in your paycheck, and you'll end up with a long-term gain. Other suggestions include savings accounts with sub-accounts for specific savings goals or a "guilt-free" spending account.