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Lifestyle creep, sometimes called lifestyle inflation, is when living expenses and non-essential expenditures grow with income. In bad cases of lifestyle creep, this unnecessary spending can cut into savings.

Lifestyle creep is most visible among high earners, but anyone can fall into this trap. Who hasn’t justified eating out more often every week after receiving a 1 or 2 percent raise? The temptation of a more costly lifestyle is difficult to resist. If you’re making enough money to afford a larger apartment, shouldn’t you move to a larger apartment?

Improving your standard of living as your income increases isn’t an objectively bad thing, but when that habit cuts into your savings efforts, it can be a major financial risk. As Katie Waters, a financial planner at Stable Waters Financial, says, “Something’s got to give.”

Then how to avoid lifestyle creep? It just takes the same moderation and planning you used when you had a smaller income. If you can, head off lifestyle creep from the beginning by giving your raise or bonus money a purpose immediately. This can be to pay down debt, save for a house, or add to retirement accounts. This way, you won’t be tempted to spend it on a non-necessity. If you fear you’ve already fallen victim to lifestyle inflation at any level, you can still turn your spending around. If you are putting all your expenses on your credit card, Waters recommends rearranging so only routine, fixed monthly expenses are on the card. “The monthly variable costs—food, clothing, personal care, purchases for the home, the list goes on—are where your money slips away easily.” Waters says, “Calculate your possible savings each pay period and put that money into a separate checking account.”

“As with all things, the secret to managing your finances like an adult is a constant strive for balance,” Waters says. “Have fun along the way, but don’t let the tail wag the dog.”