In our society, we’re largely uncomfortable touching the topic of finances. It’s considered rude to ask someone how much money they earn, and even parents can tip-toe around the topic of household budgets and money with their children. Freedom Debt Relief has found that, even when we do speak about money, it’s usually in a negative light- after all, who doesn’t know someone who believes that all rich people are greedy? We’ve all heard the phrase “money can’t buy happiness,” but the truth is that if you feel that you need to make more money, there’s nothing wrong with giving yourself more financial freedom to accomplish your goals and pay down your debts. Here are three of Freedom Debt Relief’s favorite beginner steps to increase your income.

Understand that it’s okay to say no. The pressure to spend surrounds us all the time. From after work drinks with coworkers to buying your child the latest have-to-have-it toy or gaming system, Freedom Debt Relief has found that many of your expenses may be linked to a fear of missing out or a fear of saying “no” to someone who is important to you. Understand that, on the road to increased financial security, you’ll have to make some sacrifices and decide where you truly want to spend your money. There’s nothing wrong with skipping a dinner out or missing out on buying something that you aren’t sure you’ll love and investing that money instead.

Place an increased value on your time. If you want to start earning more money, the first thing you need to do is change your mind set. Time is more valuable to you than money- while you can always recoup your losses and make more money, you will never be able to get back that time that you’ve already used. Freedom Debt Relief has found that some of the wealthiest people in the world know that their time is the most valuable asset that they have, so they highly value it. While you might not be a billionaire investor or movie star, you can still benefit from placing a higher premium on your time. Whether it’s asking for a raise or to be considered for a promotion at work, taking more time to plan out how you will spend your day, or removing yourself from time-wasting sites like Facebook or Twitter, increasing your income begins when you learn to value yourself highly.

Choose your work wisely. Broke people have a tendency to hang out with other broke people, and broke freelancers and workers have a tendency to attract attention from employers or clients that have trouble with their finances. While there’s nothing wrong with having friends that are in a different financial situation than you are, you should be carefully considering who you do business with and the company in which you are working. Seriously sit down and think about the future of your employment, and consider if you can see yourself staying with your current company for the long-haul. Are you making enough money? Do you believe in the message that the company sends? Do your bosses lift workers up and encourage them- or do they tear them down and blame them for everything that goes wrong? If you don’t see yourself having a future with the current company that you’re working for, consider making a change to a job that you’re more passionate about- when you believe in a company, you’ll be more likely to stand out through your performance and to gain more respect from your coworkers, which will lead to greater income.

Freedom Debt Relief knows that most of us could use a little more money in our pockets at the end of the week. In the end, increasing your income is all about your mindset- by valuing your time and making careful financial decisions, you will find that you have more money to invest and save than ever before.