• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
  • Home
  • BLOG
  • Meet Sarah
  • Shop With Me
    • My Amazon Store
    • LIKEtoKNOW.it
    • Buy Plexus (the pink drink!))
    • Buy Arbonne
  • Contact
  • Nav Social Menu

    • Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube
The Fashionable Housewife

The Fashionable Housewife

Because Moms Should Look Good, Too!

  • Fashion
    • Today’s Outfit
    • Outfit Ideas
    • Spring Fashion
    • Summer Fashion
    • Fall Fashion
    • Winter Fashion
  • Beauty
    • Hair
    • Skin Care
    • Makeup
    • Nail Polish
    • Organic or Eco-Friendly
    • Hair Removal
    • Sun Protection
    • Cosmetic Surgery
  • Health
    • Fitness
    • Weight Loss
    • Pregnancy
    • Vitamins & Supplements
    • About The Dukan Diet
    • Review of i-Lipo Laser Liposuction Treatment
  • Home Life
    • Home Improvement
    • Home Decor
    • Outdoors
    • DIY & Crafts
    • Homesteading
    • Travel
    • Finances
  • Marriage
  • Faith
  • Parenting
    • Baby Gear
    • Babywearing
    • Breastfeeding
    • Cloth Diapers & Diapering
    • Pregnancy
    • Natural Birth
    • Story Land in Glen, NH
  • Homeschooling
  • Recipes
    • Food & Snacks
    • Baby Food
    • Gluten Free
    • Keto
    • Coffee
    • Cocktails
  • Shop My Looks

How to Stop Living Paycheck to Paycheck

Modified on September 3, 2021 at 9:49 PM

Sharing is caring!

5 shares
  • Share
  • Tweet

Living paycheck to paycheck can be incredibly stressful because it means all of the money you bring in goes right back out by the end of the month. While this probably means you’re staying on top of your bills and paying off your debt, it also means you probably aren’t making progress toward your financial savings goals. 

Plus, one emergency or large unexpected expense can have a significant impact. 

While most U.S. workers (54%) are living paycheck to paycheck, according to a LendingClub’s recent Reality Check: Paycheck-to-Paycheck research series, there are ways to gain financial security and improve your financial circumstances so you can stop the cycle. Here are a few tips to get you started. 

Create and stick to a budget

Write down your average monthly income as well as average monthly expenses. Include the cost of your rent or mortgage, utilities, food, debt payments, gas, entertainment, and anything else you regularly pay for. Analyze where you’re spending the most and decide if it’s something you can cut back on. 

Start by ensuring your essential expenses are covered, such as food, utilities, home, and transportation. List everything else you pay for in order of importance. This can help you decide what must be paid, and where you can eliminate spending to keep money in the bank. Limit how much you budget to spend on unnecessary expenses. 

Build an emergency fund

Start with $1,000 in your fund. Even though you may be just trying to make ends meet, an emergency fund can help provide a buffer and give you peace of mind knowing you have a fallback if something unexpected happens. 

Once you’ve started building your fund, experts recommend having at least three to six months’ worth of expenses saved. Contribute as much as you can to your emergency fund until it’s built, and then leave it alone until you have that emergency. 

Paying off debt

High interest rates mean you’ll be paying off more than your original debt was worth, so the longer it takes you to pay off debt, the more you’ll be paying in the long run. Living with debt is one of the biggest things that keeps people living paycheck to paycheck because it can seem impossible to catch up. 

First, stop taking on any kind of new debt. Then, use debt repayment methods such as the debt snowball method to pay them off. With the snowball method, you start by paying off the smallest balance first, then move to the next smallest, and so on. Once those debts are paid off, you’ll get all of that money back into your wallet. 

Start a side hustle

Whether you start a part time temporary job, sell some of your stuff, or start a side hustle, find a way to make some extra money on the side. This can help support some of those unexpected expenses you may face, go toward paying off debt, or even go into your emergency fund or savings account. 

Live below your means

Even if you can afford to go out to eat, take a vacation, or make a new purchase, it doesn’t mean you should. Making more money doesn’t help if you continue spending it, so though it’s tempting, try to stick to your budget and live below your means. If you don’t spend that extra money, you’ll have it in case of an emergency or can contribute to your other savings goals. 

Cut where you can

When you’re budgeting, look at expenses you may be able to cut, even if just for the time being. Common expenses to cut may be streaming services, gym memberships, cable, eating out, etc. These temporary sacrifices can help you save what you need now so you’re more financially secure in the future. 

Plan for big purchases

Don’t make a big purchase on a whim. Instead, think about big purchases you may need to make in the next three, six, or 12 months, and start putting a little away each month instead of blowing your budget all at once. 

Plus, if you’re living paycheck to paycheck, you’ll have to be careful about what big purchases you spend on. For example, new tires for your vehicle may be necessary while that big vacation isn’t. Think about stuff you want but don’t need, and recognize that now may not be the right time. 

Automate your savings

Create a separate account just for saving. Each month, set up an automatic transfer from your checking account to that savings account to ensure you’re prioritizing savings without even having to think about it. Treat savings as a necessary expense to make sure you have what you need in the future. 

Guest Blogger

Caitlyn Callahan

Caitlyn is a freelance writer from the Cincinnati area with clients ranging from digital marketing agencies, insurance/finance companies, and healthcare organizations to travel and technology blogs. She loves reading, traveling, and camping—and hanging with her dogs Coco and Hamilton.

    Related posts:

    No related posts.

    Posted By Guest Blogger
    on September 3, 2021 at 5:42 AM
    Filed Under: Finances
    Tagged With: Budget, debt, debt relief, expenses, finances, financial troubles, personal debt, personal finances

    Disclaimer

    The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

    Previous Post: « 4 Reasons Online Weddings Are Increasing In Popularity
    Next Post: Why You Need This Must-Have Car Accessory for Your Travels »

    Primary Sidebar

    • Email
    • Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube

    Hello, there!

    Sarah-Jean Ballard

    Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

    I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

    This blog is a place for me to share how we live and what I love most. I’m on a mission to help busy moms like you, be fashionable too! Read More…

    Never miss a post

    Fashionable!


    Use code FASHION10 to get 10% off your order at www.mapleandlark.com





    Use our exclusive coupon code
    LS-SARAHJEAN for $20 off your first order!


    DHgate fashion dresses for sale

    Use coupon code ‘FHW‘
    to get 20% off your order!!!

    Latest on Instagram

    fashionablewife

    𝒯𝒽ℯℱ𝒶𝓈𝒽𝒾ℴ𝓃𝒶𝒷𝓁ℯℋℴ𝓊𝓈ℯ𝓌𝒾𝒻ℯ
    Christian, Wife, Mama x 5. livin' in NH
    Fashion, Food, Health, & Home
    ✉️ Email me, let’s work together!

    𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Large Family Life
    You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
    8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
    Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
    Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
    When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
    I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
    All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
    I’m addicted and I just can’t get enough 😂🫣

I’m loving my no -toxic, non-stick cookware from @caraway_home  It’s as beautiful as it is easy to cook with. And it makes my kitchen look prettier too! 💁🏼‍♀️

Want to learn more about why I’m obsessed with these pots and pans? Visit my blog and search CARAWAY! Or scroll through my feed! 🥳

#homemaker #housewifelife #homestyler #momlife
    Today was my due date for Dylan. Considering he w Today was my due date for Dylan.

Considering he was my 6th child, it's possible he would have been here by now. It’s been extra hard for me this week. 

Despite my best efforts to be strong and stay positive, I am completely brokenhearted. I’m just being honest. I could pretend I’m fine, but that doesn't do me or anyone else any good to be dishonest about the pain of miscarriage or the grief that comes with losing a child. 

My heart is completely shattered from having an empty womb and an empty nursery. An empty bassinet in the corner and unused tiny newborn outfits, all washed, folded, and ready… for nothing. 

It makes me physically sick to my stomach when I think about it all and I can't even fathom how I got here. How did I get here? 

This isn't how it's supposed to be! I should be holding a newborn right now! It’s so unfair. 

In an instant, my baby was gone and there was nothing I could do to change that. 

It doesn't matter how much time passes or what else happens in life, I will always miss him. My heart with always long for my baby. 

Those who haven't experienced loss tell you that "Don’t worry! Things will get better, just focus on the positive!" but people who actually know this grief and what it actually feels like to lose a baby, won’t tell you that. They know this hard road. They understand that unfortunately you don't just “get over it.” 

The grief doesn't just go away, even if you try to ignore it, it's still there. Like the sun. You don’t have to look at it to know it’s there. You can turn your back on it but it will still warm your skin. 

The grief from losing a child is unbearable. 
It is unpredictable.
It is unforgiving.
It is relentless.
It is all-consuming.
And it completely shatters you when you don’t expect it. 

You don’t get over it. You don’t forget. You simply learn to live with it. And I’m learning to live with it every day. 

It’s been 137 days I’ve had to live without my baby. 

Lord Jesus, please… hold me extra tight tonight. 

#babyloss #babylossawareness #babylosssupport #babylosscommunity #babylosssurvivor #stillbornstillloved #stillbornawareness #stillbirth #miscarriagesupport #miscarriageawareness

    Footer

    coffee

    Thank You For Your Support!

    Each product we feature on The Fashionable Housewife has been independently selected and reviewed by our editorial team. If you make a purchase through the links in our posts, we may earn a small commission at no extra cost to you. Thank you for supporting us!

    You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
    8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
    Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
    Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
    When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
    I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
    All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
    • Home
    • Meet Sarah
    • Contact Us
    • Disclosures & Privacy Policy

    [Est 2005] Copyright © 2023 Sarah-Jean Ballard and Fashionable Media | Beloved Theme

    This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Reject Read More
    Privacy & Cookies Policy

    Privacy Overview

    This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
    Necessary
    Always Enabled
    Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
    Non-necessary
    Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
    SAVE & ACCEPT
    5 shares