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12 Tips To Help You Stop Living From Paycheck to Paycheck

January 20, 2021 by Hailey Harris Leave a Comment

If money is tight, you might feel like you can’t break the cycle of living paycheck to paycheck. But believe it or not, you can. All you need is a plan and a little self-discipline to stick to it. Here are some tips to stop living paycheck to paycheck.

Voilamoola.com is there for anyone looking to improve their personal finance management! Learn how to earn, save, and spend better now! Use these ideas to stop depending on every paycheck.
Contents
1 Stop Living Paycheck To Paycheck
1.1 1. Get Back to Basics
1.2 2. Plan a Budget — and Stay on It
1.3 3. Pack Your Lunch
1.4 4. Save First
1.5 5. Pick Up Extra Work
2 Make Your House Make Money
2.1 6. Rent A Room
2.2 7. Watch Your Grocery Bill
2.3 8. Cut the Cord
3 Start Selling
3.1 9. Sell Your Stuff
3.2 10. Socialize Without Spending
3.3 11. Use Cash
3.4 12. Use Cash Back

Stop Living Paycheck To Paycheck

1. Get Back to Basics

You might have heard people say this before. If you’re low on money, cut your spending back to the essentials. But people repeat that advice because it works. Take a look at your spending over the last month or two. Which expenses were needs, and which ones were wants? Be honest with yourself and see how much you’ve been spending on non-essentials (that outfit on sale, movies, dinners out, etc). Eliminating this spending is your first step to freedom.

2. Plan a Budget — and Stay on It

A lot of people are great at creating budgets — but not so good at sticking to them. Often, seeing your spending in writing is a wakeup call you’ll need to realize how much you can cut or rearrange.

3. Pack Your Lunch

It’s tempting to go to lunch with your friends from work, where you’ll be be spending money you don’t need to spend. It may only be $10-15 here and there, but how many times do you do that in a month? Along with other small non-essentials, it adds up to a big amount every month. Pack your lunch or bring leftovers.

4. Save First

Having some of your paycheck deposited directly into your savings account is a great way to stretch your money and slowly build some wealth. Forget about those additional funds when planning your budget, and then you’ll only use it when you absolutely have to. Save first and enjoy the benefits later.

PIck piggy bank. Save money first to stop living paycheck to paycheck.

5. Pick Up Extra Work

What do you do when you get home from work? Instead of going out (and spending) or sitting at home, look for ways to pick up a little extra money. You could drive for Uber or Lyft, or even take paid surveys. These are fast and fairly easy ways to stop living paycheck to paycheck.

Make Your House Make Money

6. Rent A Room

Got an extra bedroom or a space you can turn into a guest area? Try renting it out on Craigslist or Airbnb. You can screen candidates and have them sign an agreement, and you can make a good amount of cash.

Stop living paycheck to paycheck by renting a room in your home

7. Watch Your Grocery Bill

Convenience foods like pre-packaged meals or deli items usually cost you more — significantly more. Instead of buying that stuff, buy fresh produce, meats, and inexpensive items like pasta and cook it yourself. You’ll be surprised how much you can cut your grocery bill.

8. Cut the Cord

How much are you paying in cable bills? Cut the cord and use Netflix or Hulu instead. There’s also Jeestream, where you can watch a ton of stuff for free (if you buy the box for a one-time cost). Better yet, do something else. Go for a walk and get to bed early.

Start Selling

9. Sell Your Stuff

I bet if you went through your closet, storage room, or garage, you’d find a bunch of stuff you don’t need and never use. Sell it on local classifieds, websites like Amazon, or via an app, like Letgo.

Stop living paycheck to paycheck

10. Socialize Without Spending

Yes, you can have a good time with your friends without spending money on meals or drinks. Invite them over for a movie, video games, or board games. Have everyone pitch in and bring a snack. You’ll probably end up having more fun than when you go out.

Game Night at home. Stop living paycheck to paycheck

11. Use Cash

Nothing makes you think twice before spending like using cash for everything you can. It’s all too easy to swipe that card sometimes — it often doesn’t even feel like you’re spending. Plan your budget and withdraw enough cash to cover those expenses. When the money’s gone, you’re done spending.

Envelopes for dividing money

12. Use Cash Back

There are a lot of sites where you can get cash back for shopping online. Now, the caveat to this is to only order things that are essential (see tip #1). But when you do this for needs or for your holiday shopping, you could get some significant checks.

Filed Under: Budget Your Money Tagged With: Budgeting, Budgeting Tips and Tricks, Stop Living from Paycheck to Paycheck

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