It’s a 4 letter word for a reason, you know!
One of the easiest ways to give yourself a raise, without increasing your income is by reducing your debt load. Less debt means you pay less, thus more 4 u.
Straight Talk on Your Money is an excellent read to teach folks about how no matter how well you plan financially things can go wrong, and what you can do about it.
What are serial refinancers ? These are folks who keep consolidating their debt with consolidation loans, but never deal with the core issue of why they can’t stop getting farther into debt. Much like serial murder, this is bad!