Find out if you're underpaid. This cleanse is only one half of getting your financial life in order; the other is earning more. Compare your salary to industry averages at glassdoor.com or by meeting with other people in your field. If your pay is on the low end, think about what you'll need to do to ask for a raise.
Being a teacher, my salary is based on a scale. It is not possible to ask for a raise, you can only complete more graduate work to get paid more. That is exactly what I am doing!
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