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People share 15 real ways they escaped living paycheck to paycheck

"Be willing to accept that you might not be entitled to the lifestyle you have."

Image via Canva

People reveal their financial strategies for no longer living paycheck to paycheck.

Living paycheck to paycheck is becoming the norm in the United States. According to the United States Interagency Council on Homelessness, more than half of Americans live paycheck to paycheck. It is a financial reality that has many looking for financial solutions and frugal living habits to get ahead.

On Reddit, member @_DontStayTheSame_ posed the question: "How in the hell do you escape living paycheck to paycheck?"

People who have figured out how to successfully avoid living paycheck to paycheck chimed in. These are 15 of the best financial tips and advice they offered.

 save money, saving money, paycheck to paycheck, frugal living, finances Money Invest GIF by Sara Dietschy  Giphy  

"Take everything I have done pre 35 and do the exact opposite. Only use your credit cards for things you will be able to pay off quickly. If you are buying a car and thinking "That is close but I can do it" for the payment, find a cheaper car. Do what you can to live below your means. If you are a smoker, quit." —User Unknown

"Living below your means is key." —@Orual309

"Better advice would be to find ways to improve your income but live below your means while you do so you can save up enough to improve your situation long term. Too many people raise their lifestyle with their income without ever taking the time to set themselves up for long term financial stability. That’s how you get people making six figures but somehow still living payday to payday. Obviously if you only make enough to survive until your next pay there’s nothing you can do financially to fix that, it has to be some other kind of change enabling you to make more money like going to school or just applying for better jobs." —@Sparcrypt

 for shizzle, for real, money saving tips, save money, money advice Colin Jost Snl GIF by Saturday Night Live  Giphy  

"I might get some hate for this but... Live with your parents or only rent a room. Yes rent is expensive as hell and it sucks but sometimes you gotta suck it up and just get roommates. Easier to live with roommates than paycheck to paycheck in my opinion." —User Unknown

"Be willing to go back on lifestyle to fix your financial picture. Be willing to accept that you might not be entitled to the lifestyle you have. People think overspending means fancy cars, vacations, and expensive properties, but it doesn’t. It can mean buying a boring commuter car and a house. The baby steps are the first thing:

  • $1000 emergency savings, and a budget. Look back through your transactions for months to see what you actually spend, don’t just guess at your categories.
  • all consumer debt paid off. You should never be carrying a credit card balance. That’s a financial emergency, so if you are, save only $1000 for an emergency fund and put all else toward that debt.
  • 3-6 months of expenses saved in a savings account or no-risk investment with immediate liquidity (this is $15,000 for me, for 3 months, for example.)
  • minimum retirement targets met, most importantly taking any employer matching
  • invest for other goals like property, children, etc., depending on your needs

Once you’re there, you can use whatever is left over after those savings strategies and your expenses as a discretionary fund. A lot of folks spend discretionary before they have the baby steps accomplished, and it keeps them in debt and living pay check to paycheck, or waiting for that next big cash infusion from something like refinancing their house. The key is discipline. It’s tough, it really is. Seeing the 5 figure deposits to my bank account and knowing that it’s already spoken for can be tough because it’s tempting to want to spend it on a nice car (I’m a car enthusiast) or some other hobby thing, but I know I can’t do that." —User Unknown

 car, financial advice, affordable car, car payment, cars dance dancing GIF by Real Canadian Superstore  Giphy  

"We are literally about to pay off two cars. Both payments total about $900 a month all together. I didn’t want two car payments at one time, but we both needed a more reliable car at the time. That’s not horrible for two car payments, but it’s going to free up $900 a month for us…. Which is amazing considering my wife is now stay-at-home with a baby. We have started cooking at home, avoid eating out at all costs, only drink home-brew coffee, use grocery points for cheaper gas. I’ve started taking my trash and recyclables to the dump myself, we have cut Live-TV and every streaming and subscription platform we don’t use at least once a day. We don’t, nor have we ever, lived paycheck to paycheck. It’s just nice to save money. The only thing we are splurging on now is a cleaning lady once every two weeks for $140." —@MockASonOfaShepherd

"For the TV and streaming, I do one service a month and my cell phone comes with Netflix as a perk. Each month I subscribe to one service for only one month, and watch everything I want on that service. When that ends I let it expire and don't renew. I switch to another one for the month and watch everything there. I get a new collection each month to binge and it doesn't cost me any extra unnecessary money." —User Unknown

"Also, learn to use Excel. Being able to visually see where your money goes, all at once, can make your spending make a lot more sense." —@valvilis

 excel, excel spreadsheet, spreadsheet, budget, budgeting Heart Love GIF by Microsoft Cloud  Giphy  

"Just buy more money, it's not rocket calculus." —@faceeatingleopard

"This. Also don’t order out much. 1 fast food meal everyday of the week (depending on where you go) could have you spending an extra $100 a week that could’ve been spent at the grocery store instead. Learning to cook is cheaper than fast food easily." —User Unknown

"Meet people, work hard, get lucky. Marry someone who is financially reliable and life is half as expensive. Switch jobs every 3 years because your raises probably won't keep up with the market. Be mindful of your finances. Avoid credit card debt if you can." —@cavemanfitz

"Look into a career whose skill sets will always be in high demand. I pursued my Airframe & Powerplant Certificate. Now I can save and invest. It even made my income-earning ability Covid-proof. Yes, I got laid off a week and a half after starting a new job at a major airline. But 6 weeks later (thanks to my A&P), I got an even better-paying job as a Maintenance Technician at a 3M plant. I bought my first house in 2020. In 2022, I reapplied at that major airline and got hired as a contractor. I took a temporary, and minor, pay cut. Then I got hired direct 6 months later. I’m making a very good living and I’m able to travel the world. For the folks that say 'not everyone can do that'… I started this journey in 2016, making $12/hr at McDonald’s, and renting a room. So I’ve walked in the same shoes as many of the folks that say it’s impossible. No, I don’t have any kids. But I did graduate A&P school with a guy in his early 40’s with 3 kids. From day 1 of enrolling in A&P school up to this very day… I had to keep a strict budget." —User Unknown

 budget, budgeting, smart money, money advice, finances finances gif Giphy  

"I made a budget and update it every 3 months to see what it costs to run our family. My goal is to 'pay myself' each paycheck, which is considered savings. The budget generates two numbers. One for expenses plus luxuries, i.e. eating out, alcohol, hobbies, gym etc the other is my expenses without the luxuries in case I ever had to leave my job etc. By putting aside an amount each pay I've aimed and achieved saving 6 months worth of expenses without luxuries. Since doing that, I've then started to make additional payments to my superannuation account/ retirement fund that I can't touch until I retire. Since making the budget it's been an eye opener on where our money goes and how much we can save by cutting out stuff that isn't really worth it. It has also allowed my not so financially minded wife understand our position and gets her buy-in when we set targets for emergency savings or goals for buying stuff for the house or amounts for holidays. It's not full proof and we still have times where most of the pay goes out to expenses that can't be avoided like bills and rates that might all come in at once but its definitely made us feel more in control and enthusiastic about saving." —@CallSignVip3r

"You can't "save" your way out of poverty. Budgeting won't solve the problem. Those are just platitudes told to placate the masses. They empirically do not work, but the freak exceptions make good 'feel good' stories. Networking or advancement are the only ways out. Networking works best, advancement takes too long, and is far more probability-reliant. Beg everyone you've ever known for job opportunities. Be shameless." —@EmbarrassedVolume

"Rich parents, good health." —@Legitimate_Field_157

Photo by Jackie Cook/MyLondon Photography Contest.

These photos are a charming look into another life.


In 2016, a group of 105 homeless people gathered at St. Paul's Cathedral in London.

Each of them was given a disposable camera and told to take pictures that represent "my London."

The photos were entered in an annual contest run by London-based nonprofit Cafe Art, which gives homeless artists the chance to have their work displayed around the city and—for some of the photographers who participate in the yearly challenge—in a print calendar.

"Some people have had experience, and others have never picked up a camera before," said Paul Ryan, co-director of Cafe Art.

The program, Ryan explained, includes mentorship and training from professional volunteers at the Royal Photographic Society, including winners of the contest from previous years—many of whom are ultimately inducted into the society themselves.

a sign reads "Drivers Wanted" with a red double decker bus toy in front of it

A "Drivers Wanted" sign in the window from the MyLondon Photography Contest.

Photo by Richard Fletcher/MyLondon Photography Contest. All photos used with permission.

The goal of the challenge is to help participants gain the confidence to get back on the job market, search for housing, re-engage with their social circles, or even activate dormant skills.

"I really enjoyed it. And I started to get involved in my art again, which I'd left for years," a 2015 participant said in a video for the organization's Kickstarter campaign.

These are 11 of the top vote-getters from the 2016 contest:

1. Ella Sullivan — "Heart Bike Rack"

a bike rack shaped like a heart overlooking a street

A heart shaped bike rack.

Photo by Ella Sullivan/MyLondon Photography Contest

2. Alana Del Valle — "London Bus with Sculpture"

A red-double-decker-bus behind a mirrored sculpture.

A red-double-decker-bus behind a mirrored sculpture.

Photo by Alana Del Valle/MyLondon Photography Contest

3. Beatrice — "Out of the Blue"

A hand shadow reaches up the wall toward a red water container.

A hand shadow reaches up the wall toward a water container.

Photo by Beatrice/MyLondon Photography Contest

4. Laz Ozerden — "What Now?"

black and white photo of homeless man with hands open sitting on the sidewalk waiting for donations

Open hands accepting donations.

Photo by Laz Ozerden/MyLondon Photography Contest

5. Leo Shaul — "The Coffee Roaster"

black and white photo of an elderly man in a long coat

A long coat hugs “The Coffee Roaster."

Photo by Leo Shaul/MyLondon Photography Contest

6. Christopher McTavish — "St. Paul's in Reflection"

reflection of a building in a puddle beside a blue shoe

St. Paul's Cathedral cast a reflection against a blue shoe in a puddle.

Photo by Christopher McTavish/MyLondon Photography Contest

7. Hugh Gary — "London Calling"

a red phone booth sits in a field of purple flowers

London calling.

Photo by Hugh Gary/MyLondon Photography Contest

8. Keith Norris — "Watching Mannequin"

a woman rolls her eyes at a mannequin through a window

Rolling your eyes at a mannequin.

Photo by Keith Norris/MyLondon Photography Contest

9. Siliana — "After the Rain"

A boat cruises under a bridge after a rainy day.

A boat cruises under the bridge after a rainy day.

Photo by Siliana/MyLondon Photography Contest

10. Saffron Saidi — "Graffiti Area"

a dog sits perfectly in position to make it look like the graffitied man behind him has him on a leash

Life reflecting art.

Photo by Saffron Saidi/MyLondon Photography Contest

11. Jackie Cook — "Underground Exit"

woman with bright pink hair peeks around a stairwell

Who’s that in the stairwell?

Photo by Jackie Cook/MyLondon Photography Contest

Ryan, who has been developing the program for seven years, said that while there's no one-size-fits-all solution for individuals who are homeless, for some who are too used to being "knocked back," the experience of seeing their work on display or in print—and of success—can be invaluable.

"Everyone is helped in a different way, to get up to the next step in whatever way they need to."

Cafe Art's program is still going strong and the last ten years of the contest are documented on their site. Check out the best photos since 2016 and consider buying a calendar to support! You can also weigh in on photos for this year's contest until February 5th.


This article originally appeared nine years ago.

Judge realizes homeless defendant is a lawyer, works to reunite him with family

There are often sayings about how close average people in America are to becoming homeless. Many Americans are a brief layoff away from being homeless as savings accounts are depleted with inflation. So it's not always surprising when someone ends up without a home and with people living further away from their parents or extended family, help isn't aways just down the road.

One man found himself standing in front of a judge with a court appointed attorney to plead his case. The defendant was arrested after allegedly throwing something through a store window in retaliation for a verbal altercation he had with the owner. Mr. Lane is currently homeless living in Houston, Texas, appearing in court with an acquaintance who was arrested alongside Lane.

It didn't take long to discover that Lane didn't fit the stereotypical image of a homeless person that many people might imagine upon hearing the word. Before Judge David Fleischer addresses the man, he is intently studying the paperwork in front of his lawyer. Upon hearing what the two defendants are charged with, Fleisher asks, "what are you doing with yourself these days Mr. Lane?"

All Rise Nbc GIF by Law & OrderGiphy

The man's response stuns the judge and likely everyone else in the courtroom, "presently? I'm not doing anything, I'm unemployed. I was an attorney for 15 years in Chicago, Illinois and I moved here in July, late June."

Lane admits that he is unaware if his license has officially expired in Illinois, but before moving to Texas he was a practicing attorney. The judge is visibly shocked by this revelation, wondering aloud how a lawyer from Chicago becomes homeless in Houston. In reality, homelessness can happen to just about anyone in America without adequate savings and family support.

Home Equality GIF by INTO ACTIONGiphy

Homelessness has reached a record high, increasing 18% from 2023-2024 with 34% of the homeless population being families with children. But of all the over 700k homeless individuals, 69% of them are men. People who couch surf, reside in homeless shelters or sleep in their cars are all considered to be homeless, and moving to a new state makes some people more vulnerable to the risk of homelessness.

Relocating is expensive which can deplete savings. Oftentimes people relocate for employment or better opportunities, but jobs can fall through and opportunities may be harder to come by than originally thought. This reality can cause many people to rely on whatever they have left in savings to make ends meet. In Lane's case, he claims to have relocated at the behest of his extended family members but once arriving to Houston he became overwhelmed with the process of getting his Texas bar license.

Angry Dick Wolf GIF by Wolf EntertainmentGiphy

"I love being a lawyer," Lane exclaims before answering the judges next question. "In order to practice here, which is my my new home, it would've been a process of I think taking a bar...three days you guys have. Yeah, and uh...I had some other things going on in my life that producing..." he says before being cut off.

As Lane continues talking Judge Fleischer finds out the man comes from a family of lawyers. His parents and younger sister are lawyers in San Fransisco and it sounds as if his older brother is also in the legal field but he has not informed them of his predicament. It's then that the judge becomes determined to get the man in contact with his family members so he can get help to get back on his feet.


"Here's the problem Mr. Lane, it's that we gave you a free bond, you picked up a new case and the last thing I want is to just let you go and you're going to be roaming the streets of Houston. It's just not a good place to roam and if you've got nowhere to go, you've got nothing to do, it could be a recipe for trouble and that's why I want to let you out but not just to the street. If you have a place to go to, if you have family, if someone's willing to take you in, then we can work something but for you to just be let out on the street," Judge Fleischer shrugs.

Instead of just handing down a sentence, Fleischer goes back and forth between Lane and his lawyer to find a way to attach release to contacting family support. Lane, who is clearly well versed in courtroom proceedings is not opposed to having the lawyer contact his family.

In the end, it was decided by all three men that Lane's lawyer would reach out to family members as a condition to be released. Hopefully contacting family helps the man start moving back towards a more positive direction. We never find out why he didn't return home after realizing he was not going to be successful in Texas but thanks to Judge Fleischer, Lane has a second chance.

Joy

A homeless man asked a college student for some tea, and a deluge of kindness followed

The unlikely pair spent the day getting to know each other, and now thousands of strangers are invested in Unc's well-being.

Neither Sanai Graden nor her "Unc" knew what their meeting in a parking lot would lead to.

Every once in a while, a story of two strangers turns into a shared connection that touches millions. This is one of them. Sanai Graden is a 21-year-old college student living in Washington, D.C., who likes to vlog on TikTok while she does everyday things. As she was heading to the grocery store on a random day at the end of January 2024, she turned on her camera, and soon after, a man approached and asked her if she could help him get some hot tea.

Not money. Not even food. Just some simple, hot tea. Graden told the man she was going to Trader Joe's and he could go along with her and they could stop at Starbucks. As they walked and chatted, Graden learned the man was homeless, had no family and was suffering from prostate cancer. He has just gotten insurance, but it wouldn't kick in for 45 days and he needed a prescription filled.

Over the next four to five hours, Graden got him some tea, helped him get his prescription filled so he could get some relief from his pain and put him up in a hotel room for the night. By the end of the day, she was calling him "Unc," and he was calling her his "angel."

She left him with some cash and her phone number and then posted this video:

@hustlanani

Please help me help him !

At the end, she said she wanted to start a GoFundMe for Unc (whose real name is Alonzo), and she did just that.

"I'm just a college student, there's only so much I can do," she shared in another TIkTok. "I did the best I could. But that man, he was literally suffering, and it broke my heart…He was so kind…I just wanted to help him."

Her initial video started going viral—it currently has over 20 million views—and people started donated to the GoFundMe. When it reached $12,000 in a matter of hours, she called her parents to tell them about it. They told her she was exactly the right person to be helping this man because she will make sure the money is used to get him what he needs.

@hustlanani

Replying to @The JasmynYvette Thank you so much eve

Little did she know that that $12,000 would soon rise to $20,000, and then to $50,000, then $100,000 and more. As of the writing of this article, two days after the GoFundMe went up, it has jumped the $300,000 mark.

At this point, so many people are invested in Unc's well-being. Upwards of 20,000 people have donated, and the number just keeps rising. As one commenter put it, "He's everyone's Unc now."

Graden went to tell him the good news the next morning when the GoFundMe was around $150,000, but when she arrived at the hotel, he had already checked out. She searched everywhere she thought he might be, even renting a car to cover more ground more quickly, but she wasn't able to find him.

Finally, she shared a brief voice message he left for her that started, "Hey, Niece! It's your uncle," and ended with "I love you!" but he neglected to tell her where he was. After she looked around some more, he called again and and told her he was at church. She told him to wait right there.

She found him in front of a church and invited him to go get something to eat. She said she wanted to talk to him in private, but he was waiting with his aunt and couldn't leave just yet. Finally, she was able to sit with him in her car and tell him about what thousands of people were doing to help him live comfortably and more easily manage his cancer.

She had to convince him the money was his, not theirs together. He also said he hadn't finished writing her a letter he'd started.

@hustlanani

I know you’ve all been waiting on his reaction. I just made it home. Please enjoy it. Thank you everyone for coming together. This would not have been possible without the endless support. This is just the beginning of something great. I’m enternally grateful. God did that !!!

The first thing Graden did was take Alonzo to Target to get him his own phone and some new clothes of his choosing. He even had a little laugh with Graden when she asked him if he wanted to get some floss, forgetting that he doesn't have any teeth.

This story is still developing and there are obviously a lot of complex details to work out as they get Alonzo settled with however much money the GoFundMe ultimately raises. No one wants Alonzo to lose his health benefits, and there are various financial as well as mental and emotional elements to consider as they move forward. But the power of the kindness of strangers to change someone's circumstances, starting with just one caring soul, is certainly worth celebrating.

Follow @hustlanani on TikTok for updates on Unc.


This article originally appeared last year.