It is true that how much you keep is more important than how much you make.

But if expenses are equal, your income is a big determining factor to how much more you can save.

Have you been working hard and bringing much value to the organisation, yet afraid to ask for a pay raise? Today is the day, you convince yourself that you need to break out of this cycle and seek for what you are worthy of.

People are often afraid to ask for pay raise as they think that they would be judged or possibly even fired. You need to first get this out of your mind before you can move on to the following steps to reach your goal.

  1. Research on how much you are paid in the market

Firstly, know how much you are worth in the market!

You could ask around if you have friends in the