By Sandy FitzgeraldThese days, there's just one thing on most people's minds – money.We want to know how to spend it, how to save it and most of all, how to make more of it.Unfortunately, with the national economy in a downward spiral that isn't going to end very soon, the days of regular pay raises seem to be over.Or are they?Even those of us who are blessed enough to have a decent job often find ourselves needing a little extra green now and then. Whether you are wanting a little extra money to pay a bill, buy groceries, or if it's just to give yourself a little bit of a rainy-day fund, here are some ideas:Do you have children? Visit www.irs.gov to see if you qualify for Earned Income Credit. That's a tax refund for people who have children and who fall within a certain income range – wh