So, you're earning the extra money you wanted to earn, and you're saving money on your budgeted items like utilities and groceries. What are you doing with the extra money?
I recently got a raise and when I did, I opted into the 401k where I work, using the money from the raise as my part of the investment. It's not a lot, but over time it will add up, and my company is matching my contributions.
There are other ways to make the extra money you're pulling in work for you including putting it into a CD or high yield savings account, buying some of the land for sale Branson has to offer, investing in Forex or other options, investing in stocks...the list goes on. The main thing is to take at least a part of the extra money and use it to work for you so that later you can draw from it.
