21. What to Do With a Pay Raise (and How to Avoid Lifestyle Creep)

Got a raise? Let’s make sure it actually works for you instead of disappearing into lifestyle upgrades. In this episode, we’ll break down exactly what to do with your extra income—step by step—so you can build freedom, not just fancier bills. We’ll also unpack how lifestyle creep sneaks in, why it feels so tempting, and the mindset shifts that keep you grounded and in control. If you’re ready to use your raise to make real progress with your money goals, this one’s for you. ✨ Mentioned in this episode: One Month Expense Audit Budgeting Basics Bundle Her Money Club – only 6 free founding spots left with a product purchase! Free consultation or private coaching SoFi High Yield Savings (get a $25 bonus when you sign up with my link!)  Invest your spare change with Acorns (get a $5 bonus when you sign up with my link!)  🎁 BONUS: Any product purchase gets you lifetime free access to Her Money Club while spots remain (only 6 left!). If you enjoyed this episode, please leave a review and don’t forget to include you IG handle to be included into a giveaway! 🎉 You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_.