Places to look for lifestyle creep? We’re in our mid-30s with great savings, a very affordable mortgage, a kid with a growing 529, and good paying jobs. Most of this is luck (minimal college debt with good degrees, in demand professions, a moderate windfall from family) and a bit of it is a modest lifestyle (one reliable 10 year old car, not fancy vacations, bought a home very muc…

Need advice on avoiding lifestyle creep with new salary Background Information Age: 25 Relationship Status: Single with no dependents Net Worth: $136,000 Income Old Salary: $70,000/year New Salary: $187,000/year (with $160,000 being base) Housing Current Rent: $1,000/month New Proposed Budget: $2,600/month I’ve just received a significant salary increase, going from $70,000 to $187,000 per year…

Lifestyle creep – reversing it Has anyone here successfully reversed their lifestyle creep without being in a forced situation? (I.e. decreased income) I was looking at our family spending and just wondering how we got to spending like we do… but none of it feels like crazy choices. Just a lot of little/medium ones. However, 5 years ago I would’ve been shocked. We aren’t in d…

How do you combat lifestyle creep up? I’ve always been frugal but with ocassional once or twice a year trip abroad to explore a new country. I go hard with good food too. But lately I noticed that when I got a bonus from work I basically just threw $1,000-1,500 into gear and new clothes/shoes. I didn’t need it but it just felt like I could. I have buyers regret because of this. How …

Are we falling into the trap of lifestyle creep? My husband (28M) and I (29M) are about to move to new jobs in a new city and are penciling out a budget. We are graduating and so our incomes will be much higher, but the expenses are adding up and we need a reality check. Here is our anticipated monthly budget, after maxing our 401ks Take home 14,000 Rent 4,200 Utilities (gas, electric, …

Is lifestyle creep inevitable? My spouse and I are both in our late twenties. Our current combined household income is about $230k. Which comes out to around 14k per month. We both work pretty hard so we’ve been spending money on things like hiring a house cleaner, getting a monthly massage subscription, and eating out often. Our expenses come out to be around $7k a month. W…

LPT Request: How to get out of situation with a creep How do you get out of a situation with a creepy person immediately if not avoid it all together, specifically if they insist on talking to you? Context: I was at the bus station today and the area pretty much had no one. A guy came up and sat next to me but I kept my head down and left, that’s usually what I do and it works. This other guy came …