Don't Spend Your Raise

1. Don't treat money as a taboo subject.
2. Don't fly first class just for the free drinks.
3. Don't rely on your relatives for financial aid.
4. Write down your money goals.
5. Don't allow events to get you off your plan.
6. Talk about money as much as possible.
7. Learn from your parents.
8. Money isn't everything.
9. Don't cure boredom by going to the mall.
10. Pay yourself first.
11. Pay the needs before the wants.
12. Never guess when filling out a budget.
13. Don't carry around loads of cash.
14. Never buy a new car.
15. Don't take a vacation in high season.
16. Never make a significant purchase on the first trip to the store.
17. Always pay your bills on time.
18. Resist temptation.
19. Free does not always mean free.
20. Don't try to keep up with the Joneses.
21. Be willing to give up the wants.
22. Don't spend more than you make.
23. Don't spend your raise.
24. Don't shop when you're hungry.
25. Don't spend windfalls with abandon.
26. Live below your means.
27. Get an advanced education.
28. Defer gratification.
29. Don't leave home too soon.
30. Keep personal staff to a minimum.
31. Never have more than two credit cards.
32. Know your debt level.
33. Check your credit report regularly.
34. When you pay with credit and are reimbursed with cash, run to the bank.
35. Never get a car loan for longer than three years.
36. Spend student loans only on school expenses.
37. Share your financial situation with your roommate.
38. Divorce should never be about money.
39. Check your future spouse's credit report.
40. Don't start your married life with excessive wedding debt.
41. Don't have children before you can afford them.
42. Always discuss major purchases with your spouse.
43. Don't hide purchases from your significant other.
44. Get married and stay married.
45. You can't buy love.
46. Have an emergency fund.
47. Never hide from the bill collector.
48. Never file for bankruptcy without considering all the options.
49. Balance your checkbook.
50. Don't wait to win the lottery.
51. If you have an overspending addiction, seek help.
52. Be prepared for worst-case scenarios.
53. Resist panic decisions when the market is down.