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Money and Finances
Reply to "Savers, do you ever treat yourself when you get a big raise or bonus or capital gain?"
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[quote=Anonymous]Do you have an emergency fund with six months to a year's worth of living expenses in it in case you get laid off again? Are all your debts (other than mortgage) paid off? Are you on track for saving for retirement and sending your kids to college (assuming you have kids)? If so, then treat yourself away. If not, particularly if you don't have an emergency fund, you might want to wait a year or two. If you are genuinely planning to replace the SUV with something that gets better mileage and is a reasonable cost (Toyota or Honda, not Lexus or Infiniti) that could pay off down the road. If you don't have a solid emergency fund, how about buying a car that is a couple of years old?[/quote]
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