Everyone could use a little extra cash in their pocket - particularly now, when a trip to the grocery store can leave you gasping in shock once you get to the register.  Gas prices may have come down from their highs, but most of us are still paying more per gallon than we were last year.  And on top of that, companies worried about the economy are cutting back on expenses and skimping on raises.

In fact, according a brand-new survey, the average American worker can look forward to a measly 2.8% pay raise next year.  That's not even enough to keep pace with inflation (currently at 3.6%)!    So that's the bad news.  The good news is that we've identified 7 ways you can wring a little extra out of the money you make right now.

Why wait for your boss? Learn how to give yourself a raise right now.

Tip 1 : Take a look at your W-4 Form.