When to Revise

Reasons to rethink your spending plan include:

• A new job, promotion or raise
• A change of marital status
• A major purchase to make, such as buying a new car
• A new home
• A new baby
• Inflation factors (higher utility rates, fluctuating gasoline prices, etc.)
• Paying off a major debt
• A raise

Try depositing a former loan payment amount or salary increase into your savings. Both are painless ways to save since you're already used to not having that cash around.