before you start dreaming of luxury vacations, begin to remodel the kitchen, or go “SHOPPING”,
CONSIDER ALL OF YOUR OPTIONS:
Has your lifestyle been creeping into a lifestyle change?
Maybe this raise only catches you up to how you are actually living!
Do you have an emergency fund?
Maybe you need to have 3-6-9-12 months of expenses put aside!
Begin saving money.
Maybe you need to give this gift to yourself —
IT IS PEACE OF MIND!!