Don't blindly spend extra money. Instead, work toward your personal financial goals.
Geoff Williams has been a contributor to U.S.
News since 2013. He has been a freelance journalist for over 20 years, specializing in personal finance and small business issues.
His work has appeared in numerous publications, including CNNMoney.com, The Washington Post, Entrepreneur Magazine,
Entertainment Weekly and Forbes.com. He is also the author of several books, including "Washed Away," about the great flood of 1913, "C.C.
Pyle's Amazing Foot Race," about the infamous Bunion Derby of 1928 and "Living Well with Bad Credit." You can follow him on Twitter @geoffw.