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6 Ways To Give Yourself A Tax Free Raise advice




Reckless spending can quickly consume a lot of money.

The secret to making cash flow greater than outflow is to reduce outflow.

Cutting back on expenses isn’t unreasonably difficult once you understand that it’s like giving yourself a tax-free increase. Every dollar you don’t spend is another dollar in your wallet or bank account. The challenge is to find realistic but painless ways to cut expenses. Even if you don’t have a job, you can give yourself a raise.


With the exception of payments that you have to send in the mail, living on cash is a good way to limit mindless spending. It is not easy. In fact, it’s hard. But if you are ready to teach your brain and attitude to process this movement as you would a job, it will become a very useful challenge.

Surveys show that customers with cash pay more attention to what they are doing and therefore spend much less than those who pay with plastic.


Unless you have a specific need and the money to pay for it, don’t wander aimlessly around the mall or surf the internet just to see what works for you. Remember this: A real need is never discovered while standing in a store. It is carried out during normal and everyday life.


Study your latest bank statement by looking for subscriptions such as streaming services, music services, product and entertainment subscriptions, and other types of subscriptions. Think about: which ones do you use most often? Which one did you completely forget? How to replace it with a free service (information, music or entertainment)? You could be spending a lot each month on things that you don’t use or want. By removing unnecessary subscriptions, you can give yourself a small increment each month.


Frequent trips to the ATM and / or frequent runs of that debit card linked to your bank account is like a little hole in the bottom of a boat. This constant leakage can quickly lead to capsizing. Stop the leak by developing an envelope system for areas that can get out of hand such as entertainment and fast food.

Get envelopes. Label them accordingly for food, gasoline, etc. Divide the money among the envelopes according to how you will spend it. As you buy food, gasoline, coffee, etc., take the money from the corresponding envelope. When empty, the money is gone, which means there are no more expenses in that category until the next full.


Have you taken a peek in your pantry and freezer lately? You might be surprised how much food you have already paid for. Use it before taking another trip to the supermarket.

Before buying something new, you should stop long enough to ask yourself this question: do I already have something that will do just as well for now? You will be surprised how many times the answer is yes.


If you change your credit card balances from month to month, you are paying a lot of money in interest. Pay off those debts as quickly as possible and don’t replace them with new debts. The interest you no longer have to send to your creditors is money in your wallet. Yes, just like giving you a raise.




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