Listen, no one in this economy is saying 'no thank you' to a pay rise of $100-a-week. It's much more likely you'll be saying 'please Sir, can I have some more?'. But in today's property market, it's worth asking a more honest question: does it actually change what you can afford? Or will it help you just keep up and deal with the revised cost to fill your car up at the bowser or weekly grocery bill?