How to Make More Money At Your Full-Time Job

Do you feel stuck at your current salary? Here's exactly how to start earning more at your 9-5 job.Who doesn’t want to make more money at their 9-5 job? It’s common for people to feel like they aren’t being paid enough for what they do at work. Sometimes, though, instead of doing anything to try to earn a raise, people feel stuck with what they are making.

Clearly, companies are trying to get the most bang for their buck. If you’re okay with an annual 2-4% raise, your employer could continue that pattern every year. While you probably shouldn’t make a big stink and complain to your employer about your current salary, there is plenty that you can do to prove you deserve a raise and actually get one.

Here’s how to make more money at your 9-5.

1. Know Your Worth

It’s hard to know what you want your salary to be if you don’t know what is realistic. Salaries depend on many metrics, including years of experience, where you’re working, what industry you work in, job title, location, and education. A lot of people have a salary in their head of what they would like to be paid, but unfortunately, that is often unrealistic.

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6 Weekly Habits for Improved Finances

Interested in improving your finances? You’re here and checking out a personal finance blog, so you’re taking a good first step!

Unfortunately, it isn’t enough to just know and learn about personal finance. In order to improve finances, you have to take action.

It can be completely overwhelming to pay off potentially thousands of dollars of debt, save for the future, invest, learn to budget, and understand healthcare all at the same time.

The easiest way is to aim to improve your finances in an organized way. By focusing on doing a few small things a week, your finances will take a turn for the better.

If you’re looking to improve your financial situation, here are 6 weekly habits to start implementing now.
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How to Discuss Finances With Your Significant Other When You’re Not Married

Finances alone can be tricky, but combining finances with another person can be downright confusing.

No matter where you are in your relationship – dating, engaged, living together, or other, it’s vital to discuss finances and your expectations for one another and what you want as a couple.

Married couples seem to already have their finances figured out, especially if they joined their accounts.

But when you’re just dating someone, it is more complicated. You both have your own bank accounts, and you both have your own income and budget. What’s mine isn’t quite yet yours when you’re dating.

The first thing to know is that there is no “right” way to handle your finances as a couple when you’re not yet married. Everyone does it differently, and it’s a matter of finding a system that works for you.

With that being said, there are some questions you should ask your S.O. If you’re spending any significant amount of time with another person, they will impact your finances. Being open and honest is the only way to stay on the same page financially.

So without further ado, here is how to handle your finances with a significant other when you’re not yet married.

Know your goals

Take some time and be honest about your own individual goals and what you want to achieve as a couple.

This deep conversation will be eye-opening for the both of you and will bring a new seriousness to your relationship.

Your goals likely will require money and you’ll need to make sure whoever you’re dating is 100% supportive, even if it isn’t convenient for them.

For example, my fiance knows my ultimate goal is to become a college professor, which requires a lot of expensive schooling. We are able to align our goals together to make sure that I will be able to go to graduate school in the next few years.

Once you have a better understanding of your goals, you’ll be able to create your budget to better reach your financial and life goals.

Share your income

You probably shouldn’t ask someone how much they make when you’re on a first date, but if you’re in what you consider a serious relationship, it’s important to know what you both are bringing in for income.

Some people hold their salaries as something that is extremely private. Everyone has a different opinion about this, but I believe it is so necessary to share your salary with someone who you are in a serious relationship with.

Being honest with your salary will open the communication about who pays for what. If there is a significant difference between your salaries, you’ll need to discuss expectations of one another.

Create a list of combined expenses

Any couple likely has some shared expenses, whether you live together or not. Create a list of all your shared expenses, like dinners out, rent, electric, holiday gifts, etc. Figure out how, or if, you will split these expenses.

Dating costs money, and you need to figure out how to handle the additional expenses.

You’ll want to make sure that how you split shared expenses works for both of your budgets. This is one example of why you must know each other’s income.

List all of your individual expenses

To complete your budget, you need to list all of your individual expenses.

If you already have a budget, you can just use that. But if this is the first time you’re budgeting for yourself, you’ll need to list all of your income and expenses.

The goal of doing this is to ensure that both you and your partner are secure individually and as a couple.

Keep the financial conversation open

Never be afraid to talk about finances with your significant other.

Check in with each other frequently, and be willing to adjust. Relationships, like budgets, are continually changing and need to be check on frequently to see if you need to adjust.

One of the most common things couples seem to do is to have good intentions and make a budget that they both can agree on. But then that’s it. The conversation is never brought up again, and both individuals are afraid to talk about it.

Keep the communication open and check in with your S.O. frequently to make financial conversation normal.

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By talking about your budget, you eliminate the possibility of one person becoming resentful because they’re paying for everything, or one person feeling guilty because they can’t pay for much.

Honesty is the key to a healthy relationship, so even if you’re scared, just talk about it!