Staying debt free (No discretionary funds)

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Post  Mon, Sep 02 2019, 6:01 am
When you live from paycheck to paycheck how do you make sure you dont end up in debt?

Theres stuff I need and I have trouble controlling my spending when that happens. Then my bank account goes to 0 Sad
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Post  Mon, Sep 02 2019, 6:20 am
I’m in the same boat right now.
What we did is cut up and cancel all our credit cards & made a strict budget down to the dollar.
We’re also trying to use only cash for food / clothes / household items etc. (if I buy online -deposit the cash), basically everything besides bills.
It’s very very challenging and I don’t know how we’ll deal with big or unexpected expenses.
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Post  Mon, Sep 02 2019, 8:49 am
Budget. Budget. Budget. Use cash for discretionary expenses. Push off buying everything you can until you have the cash in hand. Put aside money (even if its only $5) to get an emergency fund started.

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