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You are here: Home / Naturally Frugal Living / How to Stop Living Paycheck to Paycheck

How to Stop Living Paycheck to Paycheck

May 4, 2018 by Christine T 4 Comments

This post may contain affiliate links. Read our disclosure policy here.
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There are some simple things that you can do to stop living paycheck to paycheck.

w to Stop Living Paycheck to Paycheck: Tips to get out of the paycheck-to-paycheck rut and start saving money so you can build up your savings account.
One way we get in a financial rut is by living paycheck to paycheck. Some of this is because the economy is not what it once was and so it can be pretty challenging to try to not live paycheck to paycheck. Here are some tips for getting out of the rut.

How to Stop Living Paycheck to Paycheck

Make a budget. This will not only help you prioritize your spending, but also see where your “money leaks” are. You will be able to keep track of areas in your spending that are not necessary and find ways to eliminate them.

Keep track of waste in your home and find ways to stop it. If you are wasting personal care products, food and cleaning supplies, you are wasting money and spending more than is necessary.  One way to make sure you are wasting less is to have a plan in place should you have leftover food. Everything can be used up, even small amounts.  For instance, let’s say you have steak for dinner and a small steak is still left from it. Save it and make it into a low-cost omelet for breakfast the next day.

Give up some luxuries temporarily. You don’t have to keep them that way, but getting ahead often requires making sacrifices. Cut your cable and take on Netflix instead. Instead of ordering pizza, make it at home. Don’t drive a short distance you can easily walk. Set a time period where you will put these luxuries on hold and use that time to get ahead.

Start eating simply. Don’t eat meals that cost too much. Eat what is on sale. Be conscious of what you are cooking with. Make breakfasts and lunches from at home rather than buying packaged ingredients and take-out. It might not be your preference, but again, it is only temporary.

Start putting a little bit of money away every paycheck. One way to stop living paycheck to paycheck is to create a financial cushion and one way to do that is to build a savings, even if it is small at first.

Get creative with entertainment. There is a multitude of free entertainment ion most communities. You just need to know where to look. The public library is a great place to start as is the local newspaper. If you have a local independent paper, they also have a community bulletin section as well and they might know about things the regular paper doesn’t report and these papers are often free.

Look for ways to lighten your load. You may not think you qualify for any help, but often non-profits like food banks don’t ask for any verification to get help from them. If you are struggling in any way, you are what these programs are designed for. If you feel guilty about getting help because you are not destitute, offer to volunteer your time in exchange for the help.

Call the places you owe money and ask if they can help you. Many times, all it takes is asking for them to help work out a better payment plan that works for your budget. This is especially true if you have always been good about paying. You will find that many companies, including utilities, offer “budget billing” that spreads the payments out over the year, rather than a different amount each month to fit budgets.

Take care of things on your own. Don’t make service calls for things that you can easily fix yourself at home. Trying googling the problem and searching for how-to fix it videos on YouTube. These little expenses will eat away at any savings you do manage to build and will leave you living on the edge again.

Be more sustainable. Don’t rely too much on what you can buy and what the cost is of products. Start making some of your own things such as cleaning supplies, convenience foods and spice mixes. Garden and grow some of your own food. These may seem like little things, but they add up over time and the less you depend on things you buy, the more self-sustaining you will live.

If you have gotten out of the paycheck to paycheck rut, what are some things you did to break it? I would love it if you shared your tips in the comments!

More Money Saving Tips:

10 Tips for Staying on a Budget

101 Ways to Save $1.00 a Day

How to Get Your Budget Back on Track After Holiday Spending

10 Easy Ways to Cut Your Grocery Bill

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Comments

  1. Julie says

    March 6, 2016 at 9:19 pm

    We started clearing out and selling things we collected over the years.

    Reply
  2. Megan Walter says

    November 30, 2014 at 8:52 am

    We’ve really tried to cut back. We barely go out to eat (my crock pot has become my new best friend! Lol!), we’ve started setting little bits aside into a vacation account which has become our emergency money, we try to walk to school more with my daughter which also helps kill some energy when we get there so she’s more calm, and I have been selling crochet items to help bring in a little extra something to help (every little bit counts!). We are getting there. We have set our goal of being debt free by 30 (my husband and I both turn 29 this coming February) and it seems overwhelming sometimes but other times I look at it and it’s like I have overcome so much already in my life, this is nothing!!!

    Reply
  3. Magee says

    June 11, 2014 at 12:41 pm

    1. I found a better job
    2. I only eat out once or twice a month
    Still getting there, but this helped!

    Reply
    • Alea Milham says

      June 11, 2014 at 1:03 pm

      Congratulations on your job! It is amazing how much eating out can cost. You are wise to keep it as a special treat rather than a regular habit.

      Reply

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Welcome. I'm Alea!

On Premeditated Leftovers I share simple recipes made with whole foods, practical shopping tips, time saving techniques, and meal planning strategies. I also share tips for minimizing food waste, so more of the food that is purchased ends up on the table.

While volunteering as a budget counselor, I realized that food is the element of most people’s budgets where they have the greatest control. I set out to develop low-cost recipes from scratch to prove it’s possible to create delicious meals on a limited budget. Eating well while spending less is about more than just creating recipes using inexpensive ingredients; it’s about creatively combining ingredients so you don’t feel deprived and are inspired to stick to your budget.

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