{"id":351,"date":"2017-06-21T09:30:11","date_gmt":"2017-06-21T08:30:11","guid":{"rendered":"https:\/\/evolvemyretirement.com\/blog\/?p=351"},"modified":"2017-07-06T16:33:15","modified_gmt":"2017-07-06T15:33:15","slug":"pay-rise-cost-savings","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/pay-rise-cost-savings\/","title":{"rendered":"How To Give Yourself A Pay Rise"},"content":{"rendered":"<p>It\u2019s only natural for us to look forward to our next pay rise, and dream of the wonderful things we\u2019d then be able to afford. Maybe there\u2019s that big holiday we\u2019ve been promising ourselves. Or maybe we want to clear some debts. If we\u2019re doing some retirement planning, maybe we want to save a bit more for a comfortable retirement.<\/p>\n<p>There\u2019s no doubt that pay rises are important. At the very least, we\u2019d like our income to keep pace with inflation. We also hope to be recognised and rewarded for our achievements, and pay rises help with that.<\/p>\n<p>But it\u2019s important to remember that there are two sides to the cashflow coin. If our spending goes up just as fast as our income, then we\u2019re only standing still financially. Looking at it the other way round, cutting down on spending can have the same financial effect as an increase in income.<\/p>\n<h2>Trim Those Costs<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-306 size-large\" src=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1-1024x682.jpg\" alt=\"pay-rise-pound-coin\" width=\"540\" height=\"360\" srcset=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1-1024x682.jpg 1024w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1-300x200.jpg 300w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1-768x512.jpg 768w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1-360x240.jpg 360w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/New-Pound-Coin-1.jpg 1688w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Let\u2019s be clear: cutting down on spending on life\u2019s pleasures is not our goal. It may be prudent, but it\u2019s not our goal. In fact, we\u2019d like to be in a position to spend more on the good things in life. If we can reduce the costs associated with life\u2019s necessities, then we\u2019ll have more left over for luxuries. There are many ways in which cost savings can be found. Here are just a few examples:<\/p>\n<ul>\n<li>Switching to a cheaper energy supplier.<\/li>\n<li>Only subscribing to cable channels we actually use.<\/li>\n<li>Looking around for cheaper insurance for our car or home.<\/li>\n<li>Paying off high-interest loans as early as possible.<\/li>\n<li>Cutting down on uneaten food we throw away.<\/li>\n<li>Shopping around instead of impulse-buying.<\/li>\n<\/ul>\n<h2>Jane\u2019s Pay Rise Example<\/h2>\n<p>Jane has 20 more years to go until she retires. Suppose she hopes to get an after-tax pay rise of \u00a31,000. How valuable would that be to her? Over her remaining 20 years of work, she\u2019d accumulate a further \u00a320,000. Let\u2019s assume that Jane\u2019s average life expectancy today is 40 more years. Her \u00a320,000 spread over 40 years would come to \u00a3500 per year.<\/p>\n<p>Now let\u2019s suppose that Jane didn\u2019t get any pay rise at all. How could she make up for it? The answer is that she could look for cost savings of just \u00a3500 per year!<\/p>\n<p>So for Jane, to have the same effect as \u00a3500 in cost savings, would she\u00a0need a pay rise of \u00a31,000? In fact it\u2019s more than that, for a couple of reasons:<\/p>\n<ol>\n<li>A net pay rise of \u00a31,000 means that it&#8217;s after tax. Jane would need a gross pay rise of \u00a31,250 if she\u2019s a basic rate taxpayer, or \u00a31,667 if she\u2019s a higher rate taxpayer.<\/li>\n<li>Jane\u2019s costs can be expected to rise with inflation, so her cost savings would be inflation-proof. But with a pay rise, she\u2019d need to continue to receive inflationary increases on her whole pay packet just to stand still.<\/li>\n<\/ol>\n<p>The thing is, a cost saving has the potential of lasting a lifetime, whereas the benefit of a pay rise ceases after retirement, and diminishes over time due to inflation.<\/p>\n<h2>Getting Closer To Retirement<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-292 size-large\" src=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1-1024x682.jpg\" alt=\"pay-rise-board-game\" width=\"540\" height=\"360\" srcset=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1-1024x682.jpg 1024w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1-300x200.jpg 300w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1-768x512.jpg 768w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1-360x240.jpg 360w, https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/board-761586_1280-1.jpg 1280w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p>For most people, the value of a pay rise becomes less, the closer they get to retirement. The exceptions are for members of final salary or average salary pension schemes, for whom pay rises late in their careers can significantly boost their pensions. For others though, pay rises late in one\u2019s career will be of lesser value, since there only a few years left in which to accumulate savings. As an example, a net pay rise of \u00a310,000 just 1 year before retirement is worth just \u00a310,000, whereas the same pay rise 10 years before retirement is worth 10 times as much, or \u00a3100,000.<\/p>\n<p>The life expectancy of a person 1 year from retirement is typically around 20 years, and for someone 10 years from retirement around 28 years. To find out the cost savings that are equivalent to the pay rise, we need to multiple the pay rise by the number of years till retirement, and divide by life expectancy.<\/p>\n<p>So someone who\u2019s 1 year from retirement would need to make cost savings of just \u00a3500 per year to match a net pay rise of \u00a310,000. Someone who\u2019s 10 years from retirement would need to make cost savings of about \u00a33,500 per year to match a net pay rise of \u00a310,000. In both cases, the required cost savings are less than the net pay rise, but the difference is much bigger the closer we are to retirement.<\/p>\n<h2>Getting Our Cashflow Priorities Right<\/h2>\n<p>Whatever stage we\u2019re at in our careers, there are long-term benefits to looking after costs. Not only will that leave more for enjoying ourselves now, but it will leave more for our eventual retirement. Relying solely on ever-increasing pay can mean we miss out on benefits that are more under our control. Using these cost-saving tips can help guide you to a more fruitful retirement. You can use our <a href=\"https:\/\/evolvemyretirement.com\/\">financial calculator<\/a> to outline what you are currently spending and see how you can make more cost-saving changes to your lifestyle.\u2019<\/p>\n<p>EvolveMyRetirement\u00ae is the <a href=\"https:\/\/evolvemyretirement.com\/\">Intelligent Financial Calculator<\/a>. It can help you keep track of your necessary spending. It can also help you find out how much you can afford to spend on luxuries, in a sustainable way. The complexity of retirement planning means that you should also seek the assistance of a qualified independent financial advisor.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>It\u2019s only natural for us to look forward to our next pay rise, and dream of the wonderful things we\u2019d then be able to afford. Maybe there\u2019s that big holiday we\u2019ve been promising ourselves. Or maybe we want to clear<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":287,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Give Yourself A Pay Rise - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"Get the equivalent of a pay rise by making cost savings. 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