A hopeless optimist friend of mine have pointed out these best ways to spend a raise:

1. Pay off high-interest debt.
2. Build an emergency fund.
3. Add to your retirement savings.
4. Contribute to a flexible-spending account.
5. Add the extra money to your mortgage payments.
6. Use the money to beef up your kids' college fund.


Makes a good deal of sense although each of us has a different set of priorities due to our individual financial situations!
Which numbers fit your situation?

Sounds like Financial Peace University by Dave Ramsey. I think those are his words exactly!!

Great ideas!!

Sounds like Financial Peace University by Dave Ramsey. As a matter of fact I think those are his words exactly!!!

Great ideas!!!!!!!!!
Yes my friend had a book of Dave Ramsey, great ideas but don't apply to everyone at all times

I don't know, I have not seen a case it does not apply to, I have seen cases where the people don't want to apply it.