I am a school teacher and every September I get a cost of living raise. It’s not much – after taxes it’s probably about $50 per month. I always try and see what I can pay off around that time. Last time I finished paying off my car and had a small balance on a credit card that I paid off. So, when my $50 raise came into effect I had managed to stop paying out $100, so I now have a $150 raise instead of $50.