You need more money. You need it now. So what are your choices? You have two: You can increase your income, or you can reduce your spending.

There are several ways you can increase your income:

-- Get a bigger paycheck. Ask for a raise, land a new job that pays a lot more than your current job or get a second (or third) job to supplement your current income.

-- Win a lottery. Do keep in mind when considering this option that your chances of being struck by lightning are ...

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