Found Money

Times are tough, and you really need a raise. But if you’re like most people, raises are pretty hard to come by, especially in this economy. Good news! By cutting your spending, you can truly feel like you’ve gotten a raise. The Financial Times explains how reducing your spending increases the money you have in your pocket immediately, and Uncle Sam doesn’t get involved like with a boost in your paycheck. If you can find $100 a month (the gym membership you never use, dropping a tier on your cable plan, bringing your lunch to work) that’s like giving yourself a $1200 a year raise!