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How To Save Money Living Paycheck To Paycheck

How To Save Money Living Paycheck To Paycheck

Do you feel like there is not enough month at the end of your money? Are you struggling to learn to save money? I got you, girl (or boy)…

I am living paycheck to paycheck right now also. Also, I have debt I need to pay off and bills I need to pay. Not to mention a child (Nicky) I need to keep alive.

Today you will learn how to save money living paycheck to paycheck. I have found these tips very useful to me and my family and would love to spread the knowledge!

So let’s just get into it…

The Tips:

#1. Start with your WHY in mind.

Heve a goal in mind. What are you saving for? Maybe its to upgrade your home. Take a vacation. Whatever it is you are saving for, keep that in mind. Think back on it and remember why it is important that you are saving this money. Write it in your journal or have it as a reminder through a vision board on your wall. It will keep you that much motivated.

#2. Buy only what you need.

Just steer clear of Target girl! Seriously. When you are at the store just laser focus on what you went there for. We don’t need any more stuff cluttering up our homes anyways! Before you go shopping for necessities make a list and stick to it. Don’t get distracted by all the shiny objects! Really evaluate in your head what it is that you need to keep you alive and ONLY purchase those items. 

#3. Use money saving apps.

When you are shopping for things you absolutely need to stay alive, use these apps to get even more bang for your buck. My favorite way to save is using the eBates app! They are very user-friendly and can save you tons of money on essentials such as toiletries and even grocery items! If you don’t have one sign up now!

#4. Don’t be scared to ask for help.

I know this sounds daunting in your head. If you are having serious problems though, it doesn’t hurt to just ask someone close to you. I have done this with some of my closest friends and family and I have ALWAYS paid them back right away and that ensures that if I ever need help in the future they won’t hesitate to help. This doesn’t have to be money… maybe you need toilet paper… idk, but don’t be ashamed if you need the help, just take it.

#5. Learn to say NO.

Are your friends asking you to go out to eat? Are you getting invited to events that will surely make you spend more than you need to? Then just say no. Voice your goals to them so they know that you’re trying to save. They will understand, and if they don’t… Well, you don’t need that kind of negativity in your life.

#6. Keep a grocery budget.

Sit down and really calculate your paychecks. How much you get paid every paycheck and budget. Make sure you know exactly how much money you need to survive until you get your next check. This will ensure that you do not overspend on the food you are just going to waste.

#7. Stop eating out!

Now that you are keeping a grocery budget… This is a hard one for most. I saw a pole somewhere that most people spend the most on eating out. Let’s do the math here. If your spending around $30 everytime you go out to eat and you are eating out once a week. That’s a savings of $120 every month! You can totally spend that money on 1 or even 2 bills for the month…

#8. Eat whole foods.

Some people have it in there head that it is actually more expensive to eat healthy. It is really not. The problem here is that they are probably looking at the convenience prices. What I mean by this is… the cut up pretty (made for you) fruits and veggies. Yeah, don’t be lazy like those people. Just grab the whole entire watermelon and cut that thing up when you get home. This goes along with all the fruits and veggies. You buy the WHOLE ones and you prepare them first thing when you get home, you will save money and stay healthy. And you can’t have wealth without health.

#9. Make your own coffee in the morning.

Have you discovered the convenience of having a prescheduled coffee maker wake you up with the sweet sweet smell of coffee!? Nothing beats this guys, nothing! Stop spending money at Dunkin Donuts and Starbucks and get you some coffee at your local grocery store. Prefill it every night and have your coffee maker start making it at whatever time in the morning you want!

#10. Sell your stuff online.

If you are not using some of the items in your closet, basement, bathroom, bedroom, etc… Then just sell it. You can sell anything on your local buy sell apps or even on eBay. If you have a ton of clothing in your closet that you do not wear anymore you can sell those clothing items on Poshmark! I do this all the time.


You can use this amazing tool (app) I just discovered called Digit. I swear this is a lifesaver for me and my family. You can have Digit save for anything you want. you can save for your bills every month and also long-term savings goals.

Just set up hot much you want to save and pick an end date and your good to go. Digit will do the rest.

They will analyze your bank account and determine when money is coming in and learn your spending habits. Digit will save money for you and you don’t even have to think about it. 

I just set up my Digit account a couple of weeks ago and it has already saved me some decent money and I already have my electric bill covered 23 days early! 

I couldn’t be happier! To learn more about Digit click here.

Wrapping it up

So you see? If your living paycheck to paycheck, don’t worry! I am telling you there are ways to get it together and start saving now!

What do you do to save money living paycheck to paycheck? Let me know! I love to hear from you!

If you enjoyed this article on How To Save Money Living Paycheck To Paycheck or have any questions, let me know in the comments below!

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About The Author


Hey there! Jennifer here, and I run this website. I am a mommy to one amazing awesome boy named Nicholas and hold 4 certificates in childcare and development. I created this website to provide useful information about pregnancy and parenting, spark inspiration and help you live a better life as a mom!


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