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    These 14 Tips Helped Me Stop Living Paycheck To Paycheck And I Don't Know Where I'd Be Without Them

    It's not easy, but you can break the cycle..

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    A few years ago, I was living paycheck to paycheck and was constantly stressed about my finances.

    These tips helped me stop living paycheck to paycheck, become debt-free, and build savings!

    Keep in mind these are just what helped me and they may not work for you. Money is personal, so always take your own needs and situation into account and do what makes the most sense for you.

    1. I checked in with the emotions that were stopping me from getting started.

    2. Then I audited my past spending to ~stop the bleeding~ by figuring out where my money was really going.

    3. Next, I took my past spending into account to make a budget that helps me save money.

    4. And I cut down on my regular expenses to make a little more room in my budget.

    5. I try to keep a little cushion in my checking account so I don't have to live in fear of overdraft fees.

    Twitter: @ItsGirllCode

    Instead of letting your account get down to zero, save up an extra $100 or so and try to use that as the new baseline for your balance. That way, you're not sweating every penny (or worried about dreadful overdraft charges) right before payday.

    6. And I started an emergency fund so I have savings to help out when surprise bills appear.

    7. I got in the habit of using my budget to plan my spending, especially in areas like grocery shopping that can add up fast.

    Grocery shopping list written out on a piece of paper in front of a bowl of oranges and bananas

    8. And though it can be tough, I try to reduce impulse spending.

    9. I've also tried out using a bare-bones budget for a month or two to reset my spending habits.

    Bare-bones budget listing rent and utilities, groceries, medical, transportation, and a $100 fun budget

    10. When budgeting isn't enough, I look for ways to increase my income.

    11. And I used a payoff plan to wipe out my high-interest debt.

    12. I make time to learn about finances every week.

    13. I accepted that I sometimes have to make some sacrifices.

    14. And to keep my motivation up, I remind myself to think about the big picture.

    Notebook with "2021" on top, then checked boxes next to "goal," "plan," and "action"

    Getting out of the cycle isn't easy but it IS achievable.

    Now that you've read these tips, what's one thing that you can do today to get started? Share your plan in the comments!

    And for more money tips and tricks, check out the rest of our personal finance posts.