step three to stop living paycheck to paycheck is to cut extra expenses so if you have things in your life again this could be some wants that have kind of like merged with needs these are streaming services memberships subscriptions eating out shopping going on Amazon on the Amazon app like these kind of things sometimes it's like we just end up spending money because it's just there and when you trim all that back even if it's you know $2 $300 a month that's significant you guys it really is so cutting back things that you don't need is going to help you.