11 Moves If You Want to Stop Living Paycheck to Paycheck

Last updated Jan 13, 2022 | By FinanceBuzz Editors
woman holding phone checking money app

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Living paycheck to paycheck can mean sleepless nights spent wondering how you'll cover your bills if something unexpected happens. Even if you're an expert at timing your bill payments so nothing bounces, it's still SUPER stressful.

Ready to break the cycle of living paycheck to paycheck (and finally sleep soundly again)? We've got some simple moves you can make today to start earning and saving more. Let's do this!

Stop overpaying when you shop online

Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.

Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, they will automatically add the best coupon code in their extensive database to help you save cash. And before you check out at favorite stores like Amazon, Target, Home Depot, and Best Buy, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.

Capital One Shopping is free to use and will never show you ads. Add it today and stop overpaying!9

Get Capital One Shopping now

Cancel your car insurance

We’ve got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there’s something much better.

This new tool from FinanceBuzz can tell you if you’re overpaying for your car insurance in just a few clicks. On average, we find around $500 a year in savings for drivers. And once you try it out, you’ll never have to look for affordable insurance again because we find you the lowest rates that other companies can’t match.

Oh, and it’s also free. And come on — you can’t tell us you don’t want to save up to $500. To find out if you’re losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you’re overpaying. It takes less than 2 minutes.

See if you’re overpaying

Earn passive income by investing in real estate

Imagine getting a check in the mail every few months for just holding a little bit of money in an account. Sounds amazing, right?

With Fundrise, an investment of as little as $10 can start earning you passive income through quarterly distributions. You'll get to invest in some of the hottest real estate deals without the headaches that come with being a landlord.

It takes less than 1 minute to create an account with your email and password, and you don't have to invest a dime until you know it's right for you. Be sure to confirm your account by clicking the link in the email they send you.

The investments do come with risk. Fundrise has paid distributions every quarter since at least Q2 2016, but your payment is never guaranteed.

For the service, you’ll pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee.

Sign up for Fundrise here

Build your credit with a debit card

Bad credit history? That means credit anxiety… and not getting approved for things like car loans or apartment leases. But if you aren’t using the Extra Debit Card, you’re missing out. It lets you build your credit history every time you spend money. Don’t worry though… it’s an easy fix.

Extra helps you build credit history every time you swipe your card. Just sign up by connecting your existing bank account, and they’ll give you a spending limit based on your bank balance. No credit check is required. Then, just spend like normal. At the end of the month, they total up all of your transactions and report them to credit bureaus as credit-worthy payments.

In addition to building your credit history, you also get perks just like a credit card. You can earn up to 1% in points for everyday purchases like rideshares, coffees, and your phone bills. And there are no credit checks, interest rates, or deposits required. 

Start building credit 

See how much money you can get back from this account

We hate to tell you this, really. But if you aren’t using the Aspiration debit card, you’re missing out on extra cash with every purchase you make. Don’t worry though… it’s easy to fix.

There’s a debit card from a company called Aspiration, and they give you up to 10% cash back every time you swipe your card. Like when you’re…

Shopping for clothes? Yep… cash back.
Going to the pharmacy? Mhmmm. Cash back.
Getting groceries for the week? Yes, cash back!

It’s so simple. Who doesn’t want extra money? To see how much you could earn, just enter your email address and link your bank account10. By the way, Aspiration is free, your money is kept safe with military-level security, and your deposits won't fund fossil fuels.

See how much you could earn

Borrow up to $35k to finally crush your debt

If you're looking for a chunk of change to pay off debt, a personal loan could be a good option.

Our partner LoansUnder36 will match you with loan providers that fit your specific needs. Just fill out one application — there's no application fee and no minimum credit score to apply — to see multiple loan offers.8

Why not see if you qualify? If approved, you could receive your loan as soon as the next business day.

Get a loan offer here

Build your credit with a debit card

Bad credit history? That means credit anxiety… and not getting approved for things like car loans or apartment leases. But if you aren’t using the Extra Debit Card, you’re missing out. It lets you build your credit history every time you spend money. Don’t worry though… it’s an easy fix.

Extra helps you build credit history every time you swipe your card. Just sign up by connecting your existing bank account, and they’ll give you a spending limit based on your bank balance. No credit check is required. Then, just spend like normal. At the end of the month, they total up all of your transactions and report them to credit bureaus as credit-worthy payments.

In addition to building your credit history, you also get perks just like a credit card. You can earn up to 1% in points for everyday purchases like rideshares, coffees, and your phone bills. And there are no credit checks, interest rates, or deposits required. 

Start building credit 

Get $10 to start investing in Apple, Amazon, and other companies

If you want to break the cycle of living paycheck to paycheck, it may be time to take a look at starting to invest for your future. Even if you don't have a lot of money to invest, you don't have to let that stop you — you can start investing with $5 or less.

Stash was built to help beginner investors get started. You can buy fractional shares (partial shares) in companies that are household names like Apple, Google, Amazon, and more4. Normally a single share of these companies could cost hundreds or even thousands of dollars, but you only need as little as $5 to get started with Stash.

Stash also offers tools and guidance to help you along the way and you can use the Stash app to track your investments from anywhere.

As a bonus, Stash will give you $10 to invest after you deposit $5 or more into your personal portfolio.5 Want even more tools and guidance? If you choose the Stash+ plan6 when signing up, you can earn 2x stock rewards when you spend on eligible purchases!7

Sign up for Stash now

Find a side hustle that could add $1000s to your income

Imagine having an extra $5,000 in income this year. What would you do with it? You could pay off bills, slash your debt, and maybe even take a much-needed vacation. And having a few extra thousand in the bank could make it a reality.

Luckily, it’s not that hard to achieve.

While there are plenty of ways to add extra cash to your bank account, one of the best ways is taking on a side hustle. But with all the junk and scams out there, how do you know which opportunities are legit? And how do you know which side hustle can help you earn real money?

FinanceBuzz has you covered. We make it easy for you to get matched with the perfect side hustle that can match your skills, needs, and available time. Stop wasting hours on side hustles that don’t work out — just answer a few questions and in less than 60 seconds, we’ll match you with the perfect side hustle that could help you earn some serious cash on the side.

Find your side hustle

Bonus: Build wealth better than the 1%

The 1% doesn’t deserve all the riches. So why do we keep letting it happen?

Worthy is an email newsletter that teaches you how to invest smarter, earn more money, and live the life you want. It’s for the rebellious, the radical, the 99%er who fights like hell to earn their keep. Easily consumed in less than 5 minutes a day, you’ll get the latest financial resources, news, and money trends that could impact your wallet for years to come.

Join Worthy today (It’s free)

Stash Benefits

  • Get $10 to make your first investment
  • Invest in stocks, bonds, and ETFs
  • Fractional shares available
  • Start investing with just $1

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Card Details
  • Earn 60,000 bonus miles after you make your first purchase in the first 90 days and pay the annual fee
  • 2X miles per dollar spent on eligible American Airlines purchases, and 1X mile per dollar spent on all other purchases
  • Intro balance transfer 0% offer: 0% for 15 billing cycles (on balance transfers that post within 45 days of account opening) then 15.99% to 24.99% (variable)