(Bloomberg Business) — When you get a raise, especially after a long spell of puny or no hikes in pay, it's a time to celebrate. So it's easy to tell that voice telling you not to waste money on a morning cold brew to shut up for a minute. You've earned that treat.

And you have. But you may be standing on the precipice, or already be in the grips of, a dangerous and pernicious trend: lifestyle creep. 

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