<prompt> Human: Basically, what the title says. Im going to start paying my own health insurance and its made me realize how I can barely pay for it with my regular bills rent, internet, loans, and gym. I was given a raise during Christmas 2014 and want to know what the etiquette is for asking for a raise.I started working for my current company at the end of March 2014. I started part-time for 10 an hour. Mid-June I was bumped into full time.January I was bumped to 12 an hourBasically, is it too early to ask for a raise? Ive also never done that before so how would I go about it without looking desperate? Should I wait until the Christmas time again and see what happens then?  <response>: If you dont get an annual raise that meets the rate of inflation you are taking a pay cut. 