If you think that you should be paid more, you can get a little bump in salary, just for asking. But you have to ask right.

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If you take a few minutes to think about it, you will find that you can get a raise in 2011 — even if your employer doesn’t offer one.

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A common reason given for not saving or investing is that there is no available money after all the bills and expenses are paid. By simply increasing your savings by the amount of your raises, you can quickly build up a nest egg without noticing any change in your lifestyle or spending habits.

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