PRESS Negotiate Your Salary or Rates Before accepting a new role or during performance reviews, research market rates for your position (sites like Glassdoor or Payscale can help) and come prepared to discuss your recent achievements. Even a modest raise compounds significantly over time. Develop High‑Value Skills Invest in in‑demand skills—like data analysis, digital marketing, coding, or project management—that command higher pay. Online platforms (Coursera, Udemy, LinkedIn Learning) often offer affordable courses and certifications. Take on Freelance or Consulting Work Leverage your expertise by freelancing in your spare time. Platforms like Upwork or Fiverr let you set your own rates. Over time, repeat clients and specialized niches can become a reliable secondary income stream. Build Passive Income Streams Consider options such as dividend‑paying stocks, peer‑to‑peer lending, or creating digital products (e‑books, online courses, stock photography). While these require upfront ...