How to get out of living Paycheck to Paycheck Part II

If you haven’t already, read:  Living paycheck to paycheck Part I How Did I Get Out of it? I recorded all of my expenses for a month. This helped me really see where our money was going. However, it was not extravagant. There wasn’t enough. We were a one-income family and had gotten into debt for various reasons. I was a stay at home mother and my husband was struggling to keep our...

How to Get Out of Living Paycheck to Paycheck Part I

The Next Paycheck: The problem is you’re totally dependent on the next paycheck.. You have no savings. It means you have days where you have no cash to hold you over until the next paycheck. You find another way to get that money which only makes it worse- for example: using credit cards, floating checks, do without basic essentials like groceries, clothing, pawn...