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How to Avoid Lifestyle Creep

July 15, 2019

Tip of the Week

Try to avoid lifestyle creep.

1 min read

Maybe you just got a raise, or figured out a way to bring in more money each month through a side hustle. Congratulations! But as you earn more, it’s important to try to use the extra money sensibly.

Jargon Hack

What is lifestyle creep?

Lifestyle Creep

The tendency to spend more as you earn more, particularly on non-essential items.

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Jargon Hack

What is net pay?

Net Pay

Net pay is what’s leftover in your paycheck after state and federal taxes have been taken out, as well as deductions for Medicare and Social Security.

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Consideration: Lifestyle creep isn’t always a bad thing. If you previously had to make a choice between buying groceries and paying your electric bill, and now you can afford to do both, that’s great! Lifestyle creep gets to be a problem when luxuries—such as always needing the latest and greatest new smartphone or handbag—become essentials.


Put that extra money from your raise or promotion to work for you, and remember to have some fun! 

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By Stash Team

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