Sound familiar? A lot of people think living like that is pretty normal. And you know what?
And those numbers are before came in like a wrecking ball. You had to make do with the cards you got dealt. But the good news is, you can stop the cycle of living paycheck to paycheck once and for all.
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Get on a budget. Start doing a budget. Lead others to financial peace! We will show you how. Click here. First, jot down your income for the month your regular paycheck and any other money you bring in. You can do this the old-fashioned way on a notepad or a spreadsheet, or you can get with the times and use a free budgeting app like EveryDollar.
Next, start listing all your expenses for the month. Things like rent, food, internet, phones and everything in between should be added to the list. And because expenses change from month to month, you need to be sure to make a new budget before each where to make money left begins.
Now you want to subtract all your planned expenses from your monthly income. You should keep some money in your checking account. Take care of the Four Walls first. If you live waiting for your next payday and struggle to cover all of your bills, you need to focus on the things you really need to survive.
We call these essentials the Four Walls. But one thing is for where to make money left Your family will be fed and have a roof over their head no matter what.
Keep telling yourself that all of this is temporary.
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The sun will come out tomorrow. Stop living with debt.
Playing around with debt is a recipe for disaster. Believe us, not having enough money to pay for something and then reaching for a credit card to fund it is no way to live.
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Debt is sneaky. It comes packaged as student loans, car payments, store credit cards, mortgages, personal loans, business loans, payday loans and even digital installment plans like Afterpay and Klarna. Ready to give debt the boot for good? That means stop paying for things with a credit card to make ends meet, stop robbing Peter to pay Paul, and stop living beyond your means.
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And step away from the almighty FICO scorepeople. Instead, start focusing on paying off your debts smallest to largest using the debt snowball. Sell stuff. One of the easiest ways to get your hands on some extra cash is by selling whatever you can. Look, if you know you can part with something and get cash—do it!
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Well, within reason. But do get so intense about selling things that your pets and kids start wondering if they might be next. Get a temporary job or start a side hustle.
While you can and should go after promotions and salary increases at your full-time job, you might need to do something to increase your income sooner. Hello, side hustle!
Some great options for making extra money are waiting tables, driving for Uber or Lyft, being a barista, working at a call center, or signing up to be a substitute teacher. There are even plenty of work-from-home jobs you can do after hours or on the weekend too. You can use your design, sewing or baking skills to help bring in some money. Be on the lookout for opportunities that will add any extra cash in your pocket. Live below your means.
Is the antidote to living paycheck to paycheck more money?
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This kind of thing is known as lifestyle creep or lifestyle inflation. Stay intentional, pay attention, and stick to your budget no matter how huge that raise was. Look for things to cut. This is the time to cut back on any unnecessary expenses that you can. Look again. And again. Cancel or pause the subscriptions you have think Netflix, Hulu, meal delivery kits, specialty makeup boxes. None of these things fall within the Four Walls.
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It hurts! But keep reminding yourself: This is not forever.
You know, to live like no one else so that later you can live and give like no one else. Save up for big purchases. Nothing makes you count down to payday like knowing you blew your last paycheck on some big impulse buy. Simple as that.