Saving money can give a boost to your saving or debt repayment, but the real boost will come from your increase in income. Whether it is by doing some extra work on the side or by working towards salary increase at your current job. But, a silent worker will never get the hike unless you ask for it, unless you are exceptionally valuable or extreme lucky.
Even if you are satisfied with your current job, at some point in your career there will be moments when you have to step up to the plate and ask for more money. There may only be a few times when you need to take this action but definitely the moment will come. Whether you have a HR job , technology job or you work in sales, the moment will present itself and you need to be prepared.
It can be terrifying and many people put this moment off as long as they can. Remember that your boss will have had lots of people asking for a pay rise, you will not be the first one, so don’t be afraid its your duty to earn more and provide better comfort to your family.