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pink_me | What are 6 ways to spend a raise? |
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Jen G
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- If you have debt, put it towards your smallest debt each month until it is paid, then do the next one.
- If you have no debt... 401K is a great choice. |
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EL-BRAY
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A saving acc. because it is money that you can do without ,since you have been doing without it . The best thing is to pay on high interest balances if you own a credit card. Think of it as not more money to spend but more money to save. |
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momof3
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Well, the Fed and State taxes spend it for u when u get it, so don't be too upset when u can't get another 4 reasons! |
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<-kate->
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how I would spend a raise is i would not becuase i would invest i would put it in a savin a account and then when you really need it it is there becuase from some that i have answered so far if they would have put there money up and saved it for when they truely needed they would not be in debt so that is really the only way i would us it but hey it is yours so what ever you want. WELL GOOD LUCK with that,Dear Abby Advice. |
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Me
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put in your 401k |
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momo
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This largely depends on your priorities and how you view money. If by spend you mean how to prudently save/invest it, that is considerably different than how to actually "spend" a raise on luxery items. Also it would help if you listed a specific dollar amount. However with just the facts given, I'd say "spend" it on the following (provided it is enough):
1) a short-trip to relax
2) a day at the spa
3) a nice outfit you've been watching
4) a month or longer time of maid service
5) hold a nice family gathering at home
6) buy yourself a new digital camera
If you trying to save/invest the raise, this is also what I'd recommend:
1) pay off any outstanding debt, priority credit cards esp. if more than one, try to consolidate and get one with the lowest fixed rate, no annual fees, a good grace period, and some benefits, i.e. cash back
2) if you own a home make an extra payment, this will help in the long-run
3) if you own a car likewise
4) consider enrolling in a finance class at night to learn more about how money really works or enroll in a wine or food class for fun
5) fully fund your Roth IRA, then your 401k but just enough to obtain the employer match assuming there is one
6) invest a quarter in no-load international funds, a quarter in large cap domestic indexed funds or the S&P 500, save a quarter in an online savings acct to build up your emergency fund and splurge the remaining quarter on something you like (or just use some of the ideas from the first list).
Have fun spending! |
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The Big Achiever
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In my personal experience here's what I've decided to do with my recent raise.
Last year we bought a house. With a house comes house tax(yearly) ok. I calculated that I'd need to put aside about 70 bucks monthly in order to have that cash separate and put down waiting to be paid on the tax. I just received my yearly increment with a value of about 90 bucks...BANG...That's it...I've chosen to continue with my current budget and put this extra cash away by itself so that I won't have to go "find" the cash to pay when the time comes.
We often make the mistake of taking a pay raise for an expense raise. We survive on 10 bucks a day for quite a while then suddenly we earn 15 bucks an hour and there's a multitude of 'stuff' that we 'must' get in order to spend right back down to a level that's often lower than before the raise. |
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ginabgood1
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Only spend a portion of it on something you really want. The rest should be invested in your 401K, a CD, or something that will earn money for you. Always pay yourself first. |
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Cookie Preston
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1. Regular payments to pay off your debt
2. Put some in savings
3. If you don't have health insurance look into getting into a plan
4. Go visit the dentist
5. Get maintenance done on your car or house
6. Use a small amount to help someone else or give a small offering to your church or any church |
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Debt Free!
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invest it
buy into a mutual fund
buy a stock
buy a book on investing
buy a subscription to a finance magazine
buy a new pair of shoes |
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passion for art
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I can give you the most important way to spend a raise. Pay off your debts! |
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