“TIPS for Households that are Still Living from Paycheck to Paycheck”

  1. Instead of the envelope system I use the stick-ons or small note pad color coded and individually labeled. I use a small clip for the cash,paper clips will do.
  2. If your still living paycheck to paycheck like us; I suggest you to start with food budget first,next the toiletries,cleaning solutions or laundry needs like bleach,detergent powders or baking soda. Cut off your fabric conditioner if it is more expensive than your laundry detergent.
  3. Separate a small amount for savings or emergency fund.
  4. Budget for miscellaneous as well
  5. Always pay your bills on time, if you are going to pay bills there are apps now you can use so won’t be leaving your house and fall in line to payment centers. I pre-load my online wallet and payment app thru a 7-11 Cliqq machine. 
  6. If you have debts or loans make sure to pay even the minimum amount required. 
  7. Be frugal and wise. Some employees have delays and unfair tax deductions like with my husband’s case. Expect the worse,they say. 
  8. It’s time to set a new lifestyle. Don’t spend beyond your means. Financial problems are always there to stay if you can’t control your spending habits. 
  9. Practice a no-spend day. Forget you have cash on your wallet even for a day or two.
  10. Prep your meals ahead,no eating out or take-outs. Eat healthy it’s more cheap and good for your health like potatoes and bananas. Small steps every day, you will be able make it through the next payday. Lol! 🙂 
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