Many emloyers give annual evaluations and merit increases. If you are in this group....each year you should save 1/2 of your raise. Either increase your 401k contribution by 1/2 of your merit increase or put those monies in a savings to investment vehicle! It will suprise you what you will have in a few years!!
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Always a good plan! My last increase put 12% in 401K. Amazing what builds in 6 months!!
Related Secrets
Buy in bulk and share
My sisters and I will often buy bulk items and split it and the cost between us, 10 pounds of potatoes would be much too much for just DH and I. But split 4 ways it's just enough. When one of us sees a bargain, we'll call the others to see if they need or want to share.
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Recent bargains: 5lbs sharp cheddar cheese: 10.50 (5.25 split with one sister)
25lbs organic long grain brown rice: 23.00 (Split 3 ways)
2 weeks on the road during 2011 Christmas, and I split meals with my wife, always using portion control!
MORE INFORMATION:
I was never deprived of local delicacies...I went through N'awlins, BBQ Country, Christmas cookies, and Lincoln, NE with Valentino's Pizza and Runzas! Came home, weighed in at 168.2. My maintained weight is 170!