7 Strategies to Overcome Living Paycheck to Paycheck

Kelley C. Long
Financial Strategy

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Woman in front of a fountain.
Photo of author on vacation, after escaping paycheck to paycheck living

One of my biggest pet peeves is reading or hearing the advice to make your coffee at home if you want to save more money — that’s the quickest way to lose credibility in my professional opinion.

I promise you this isn’t about that.

What it is about is hacking yourself if you’re tired of living paycheck to paycheck, especially when you do the math and find that, in theory, you should have tons of money left over each month after paying your bills.

I’ve worked with thousands of people on their money, and also personally used to live paycheck to paycheck, so I get it. The trick isn’t to start obsessing over every penny or find a way to go without the little treats of life. Or if you do decide to go that route, success is usually found by making it temporary and going all-in.

Where We Fritter Most of Our Money Away

Let’s talk about Target and Costco.

I’m not suggesting you never set foot in such hallowed halls again, but these two retailers have mastered the fine art of extracting money out of even the most disciplined shoppers’ wallets. How do they do it? They price and display things in such a way that you end up bargaining with yourself.

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Kelley C. Long
Financial Strategy

CFP & CPA writing about money & how it fits into life based on my work with everyday people as a financial coach. www.financialblisscoach.com