Give yourself a $12,000 raise a year

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Giving yourself a $12,000 raise sounds tough, especially when nearly one-third of American’s are not saving any money for their futures.

Additionally, about another 20 percent of American spend more than they make. If you’re in one of these categories, we’re here with some ways to turn your financial trends around.

Andy Mattingly from Forum Credit Union breaks down the ways you can save an extra $1,000 a month.