{"id":360098,"date":"2022-04-21T07:00:00","date_gmt":"2022-04-21T13:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=360098"},"modified":"2022-04-19T11:19:49","modified_gmt":"2022-04-19T17:19:49","slug":"lifestyle-creep","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/lifestyle-creep\/","title":{"rendered":"What is lifestyle creep and how can you avoid it?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1501\" height=\"501\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature.jpg\" alt=\"What is lifestyle creep and how can you avoid it?\" class=\"wp-image-360099\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature.jpg 1501w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/10\/two-friends-shopping-looking-at-pink-dress-hero-feature-1400x467.jpg 1400w\" sizes=\"(max-width: 1501px) 100vw, 1501px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards<\/a><em>.<\/em><\/p>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-ask-for-raise-at-work\/\" target=\"_blank\" rel=\"noreferrer noopener\">Getting a raise<\/a> or a new, higher-paying job is cause for celebration. You\u2019ve worked hard and now your salary will reflect that, so there\u2019s nothing wrong with increasing your spending budget along with your increased pay\u2014right?<\/p>\n\n\n\n<p>The answer is a bit more complicated than a yes or no. While making more money isn\u2019t a bad thing, it can sometimes lead to a phenomenon called lifestyle creep, where increased income results in increased discretionary spending.<\/p>\n\n\n\n<p>If not controlled, this can lead to more credit card usage and debt as you begin spending more money on things you used to consider luxuries. However, lifestyle creep can be managed with a proper budget and money management skills.<\/p>\n\n\n\n<p>Read on to learn more about lifestyle creep, how to manage it and how to enjoy your new lifestyle without spending too much. Don\u2019t forget to check out the <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/lifestyle-creep\/#visual\" target=\"_blank\" rel=\"noreferrer noopener\">infographic<\/a> on ways to conquer the creep and be happy with what you have.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-lifestyle-creep\"><a><\/a>What is lifestyle creep?<\/h2>\n\n\n\n<p>Lifestyle creep (otherwise known as lifestyle inflation) refers to increased spending after receiving a raise or getting a higher-paying job. As soon as you can afford yesterday\u2019s luxuries (like monthly massages or spendy vacations), they become today\u2019s necessities.<\/p>\n\n\n\n<p>Of course, it\u2019s natural to want to spend more money on things you can afford for the first time after getting a raise. There\u2019s no shame in treating yourself to a jacket you\u2019ve had your eyes on for months or taking yourself out for a nice dinner.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-lifestyle-creep-work\"><a><\/a>How does lifestyle creep work?<\/h2>\n\n\n\n<p>Lifestyle creep becomes a problem when you realize your spending habits have spiraled beyond \u201ctreating yourself\u201d a few times a week into a full-blown taste for the finer things that come with a hefty price tag that put you at risk for more debt.<\/p>\n\n\n\n<p><strong>Lifestyle creep examples include:<\/strong><\/p>\n\n\n\n<ul><li>Trading in your modest car for a luxury sedan<\/li><li>Upgrading your TV setup with an expensive sound system<\/li><li>Swapping grab-and-go work lunches for daily meals at nice restaurants<\/li><\/ul>\n\n\n\n<p>If you\u2019re not careful, a new lifestyle can get in the way of financial goals like saving for <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-prepare-for-retirement\/\" target=\"_blank\" rel=\"noreferrer noopener\">retirement<\/a>, contributing to an <a href=\"https:\/\/www.creditrepair.com\/blog\/money-management\/emergency-fund-how-much-should-you-save\/\" target=\"_blank\" rel=\"noreferrer noopener\">emergency fund<\/a> or putting money away for a one-time larger purchase like a home.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"760\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8.png\" alt=\"Lifestyle creep occurs when an increased income leads to increase in discretionary spending\" class=\"wp-image-362036\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-300x234.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-513x400.png 513w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-768x599.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-450x351.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-600x468.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-8-900x702.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-signs-of-lifestyle-creep-by-age\"><a><\/a><a><\/a>Signs of lifestyle creep by age<\/h2>\n\n\n\n<p>There are two age groups that have proven to be particularly vulnerable to lifestyle creep\u2014young consumers who are trying to save money and older folks approaching retirement. Let\u2019s break down exactly why these groups tend to struggle with lifestyle inflation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-young-savers\"><a><\/a>Young savers<\/h3>\n\n\n\n<p>There\u2019s a lot to start saving for when you\u2019re young\u2014a down payment on a house, student debt repayment and retirement\u2014just to name a few. However, when we\u2019re young we also want to spend our time traveling and experiencing as much as we can.<\/p>\n\n\n\n<p>Lifestyle creep can escalate this lifestyle and make saving money incredibly challenging. This can keep young consumers from saving enough money to reach their financial goals, significantly delaying their progress. To combat this, it\u2019s important to write down life goals and budget accordingly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-near-retirees\"><a><\/a>Near-retirees<\/h3>\n\n\n\n<p>About five to 10 years before retirement, individuals are often earning more than they ever have before. In the best case scenario, most long-standing expenses will be paid off. And many people in this age demographic feel tempted to spend their additional discretionary income on expensive items, like sports cars and vacation homes.<\/p>\n\n\n\n<p>However, these lifestyle decisions can run through your paychecks quickly, leaving little to nothing behind to take care of emergencies. Retirement is about maintaining the lifestyle one has lived up until retirement rather than creating a new lavish lifestyle, as the latter can be expensive. It\u2019s important that near-retirees continue to live within their means, regardless of how much they now make.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-effects-of-lifestyle-inflation\"><a><\/a>Financial effects of lifestyle inflation<\/h2>\n\n\n\n<p>Lifestyle changes of any kind can affect your finances, but lifestyle creep in particular can cause your spending habits to get out of control. Below are a few ways that lifestyle creep can negatively impact your finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-encourages-you-to-spend-in-excess\"><a><\/a>Encourages you to spend in excess<\/h3>\n\n\n\n<p>Once you start making more money and can afford things you couldn\u2019t before, your credit card usage may increase along with your regular spending. You may feel some pressure that you didn\u2019t before to purchase nicer things or take more luxurious vacations.<\/p>\n\n\n\n<p>Before you know it, this spending has caught up with you and your credit card bill is either much higher than before, or it has been maxed out entirely. This can come back to bite you if you aren\u2019t able to pay off this higher bill, leading to increased interest rates and a continuing cycle of <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/are-there-different-methods-to-paying-down-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">debt<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-makes-you-less-likely-to-save-money\"><a><\/a>Makes you less likely to save money<\/h3>\n\n\n\n<p>One symptom of lifestyle creep is spending a higher percentage of your paycheck in order to live an increasingly lavish lifestyle. This can make it challenging to send money to your savings account. In extreme cases, you may even be tempted to take money out of your savings account to pay for something.<\/p>\n\n\n\n<p>This could come back to haunt you once you want to start a <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/what-is-a-sinking-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\">sinking fund<\/a> or start planning ahead for your financial future, such as <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/am-i-financially-ready-for-a-baby\/\" target=\"_blank\" rel=\"noreferrer noopener\">preparing for a baby<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-makes-budgeting-a-thing-of-the-past\"><a><\/a><a><\/a>Makes budgeting a thing of the past<\/h3>\n\n\n\n<p>Budgeting isn\u2019t just for when you\u2019re <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-stop-living-paycheck-to-paycheck\/\" target=\"_blank\" rel=\"noreferrer noopener\">living paycheck to paycheck<\/a>\u2014it\u2019s important regardless of how much money you make. When lifestyle creep sets in, it\u2019s easy to start saying \u201cyes\u201d to everything, from expensive excursions to frequent fine dining. Naturally, you may lose awareness of where your money is going.<\/p>\n\n\n\n<p>This can quickly backfire, as your bank account may become depleted more quickly than you had expected, resulting in a missing emergency budget or worse\u2014debt.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"2190\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9.png\" alt=\"Are you getting the creep? flowchart\" class=\"wp-image-362037\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-134x300.png 134w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-178x400.png 178w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-768x1725.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-684x1536.png 684w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-912x2048.png 912w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-450x1011.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-600x1348.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-9-900x2022.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-prevent-lifestyle-creep\"><a><\/a>How to prevent lifestyle creep<s><\/s><\/h2>\n\n\n\n<p>A new job or a raise is certainly a cause for celebration, but that celebration doesn\u2019t need to come with a hefty price tag. Below are five tips on how to avoid lifestyle creep so that you can enjoy a new lifestyle without succumbing to lifestyle inflation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-take-note-of-your-wants-and-needs\"><a><\/a>1. Take note of your wants and needs<\/h3>\n\n\n\n<p>Being able to distinguish between <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/needs-vs-wants\" target=\"_blank\" rel=\"noreferrer noopener\">needs and<\/a><a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/needs-vs-wants\"><\/a><a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/needs-vs-wants\"> wants<\/a> can be difficult, but it will prove to be a very worthwhile skill when you can walk away from the temptation of an impulse purchase you really don\u2019t need.<\/p>\n\n\n\n<p>If you find yourself spending money to feel happy or just because you can, try being more intentional about your spending and what you\u2019re buying. Think to yourself:<\/p>\n\n\n\n<ul><li>Will this purchase still make me happy after the \u201cbuyer\u2019s high\u201d has worn off?<\/li><li>Will I be able to use this purchase in six months? How about one year?<\/li><li>What is the reason I\u2019m making this purchase?<\/li><li>Do I really need this item?<\/li><\/ul>\n\n\n\n<p>Reflecting on why you\u2019re making a purchase can help you slow your spending and curb lifestyle creep.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"1498\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10.png\" alt=\"Mindfulness mantras to keep things in perspective\" class=\"wp-image-362038\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-195x300.png 195w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-260x400.png 260w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-768x1180.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-450x691.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-600x922.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/04\/image-10-900x1383.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-pay-yourself-first\"><a><\/a>2. Pay yourself first<\/h3>\n\n\n\n<p>If lifestyle creep is hurting your financial goals, you can get ahead by paying yourself first every pay period. Instead of immediately running to buy the shoes you\u2019ve been eyeing the next time payday rolls around, put some money in your savings and retirement accounts. No matter how much or how little, it will help you get one step closer to your financial goals.<\/p>\n\n\n\n<p>Experts agree that generally, you should be aiming to save at least 20 percent of your paycheck per pay period. Feel free to adjust this number based on your individual income and savings goals, but consider using it to guide how much you\u2019re paying yourself.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-increase-your-budget-slowly-over-time\"><a><\/a>3. Increase your budget slowly over time<\/h3>\n\n\n\n<p>Instead of increasing every part of your budget by 10 percent when you get a 10 percent raise, consider implementing smaller increases. This not only helps you get adjusted to having more money, but gives you stricter control over what and how much you spend on things like rent, dinners out, entertainment and other parts of your budget.<\/p>\n\n\n\n<p>Once you\u2019re accustomed to that smaller increase, consider increasing your budget again. These incremental increases can help you feel more in control of your finances and, in turn, improve your quality of life without developing risky habits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-be-wary-of-revolving-debt\"><a><\/a>4. Be wary of revolving debt<\/h3>\n\n\n\n<p>When lifestyle creep gets out of hand, you may find yourself collecting <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-paying-off-your-credit-card-balance-will-affect-your-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">revolving credit card debt<\/a>. Not only does this harm your financial health (which can damage your credit score), but it also collects interest which may put you further and further into debt.<\/p>\n\n\n\n<p>Since revolving debt doesn\u2019t need to be paid off on a specific schedule, it can be tempting to rack up revolving debt continuously over time without <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-pay-down-debt-with-the-50-30-20-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">paying it down<\/a>. To keep your debt from spiraling and hurting your score, set a strict rule for yourself capping revolving debt before it reaches a dangerous level.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-make-treating-yourself-a-treat\"><a><\/a>5. Make \u201ctreating yourself\u201d a treat<\/h3>\n\n\n\n<p>While rewarding yourself for a job well done is expected when you get a new job or raise, that doesn\u2019t mean you should be having a \u201ctreat yourself\u201d day several times per week. If you view everything you purchase for yourself as a treat, then nothing is a treat.<\/p>\n\n\n\n<p>To avoid the temptation to reward yourself for everything you do, set up a goal chart for yourself with some rewards you\u2019ve been eyeing. This could include:<\/p>\n\n\n\n<ul><li>If you get a good performance review at work, buy yourself the shoes you\u2019ve wanted for months<\/li><li>If you meet your reading goal for the year, treat yourself to a new bookcase<\/li><li>If meeting your significant other\u2019s parents goes well, reward yourselves with a nice dinner out<\/li><\/ul>\n\n\n\n<p>Setting up rewards for yourself ahead of time helps make meeting your goals more exciting and the rewards more meaningful.<\/p>\n\n\n\n<p>Lifestyle creep, or lifestyle inflation, can catch up with you quickly. It\u2019s up to you to make sure that you\u2019re living within your means and not letting your lifestyle dictate your spending. You don\u2019t have to navigate this alone\u2014<a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">CreditRepair.com<\/a> is here to help with any issues that may arise with your credit score along the way.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"https:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lifestyle creep is the tendency to increase discretionary spending a lot after starting to make more money. In this guide, we explain how to avoid it.<\/p>\n","protected":false},"author":76,"featured_media":360100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Lifestyle Creep and How Can You Avoid It? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Lifestyle creep is the tendency to increase discretionary spending a lot after starting to make more money. In this guide, we explain how to avoid it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/finance\/lifestyle-creep\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is lifestyle creep and how can you avoid it?\" \/>\n<meta property=\"og:description\" content=\"Lifestyle creep is the tendency to increase discretionary spending a lot after starting to make more money. 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