Living pay check to pay check is never a good thing. It’s not good for your bank account and in the long run it can possibly be bad for your mental health. Luckily there’s many ways to stop drowning in debt that you probably never thought of. First, you need to change your thinking.

You need to take a close look at your spending habits and start setting some realistic budgets. Each time you get a paycheck you should already have a plan set to know where you’re going to spend your money. Next, you have to ensure that you only spend money on your priorities.

If you’ve got some free time on your hands, you can spend time at a part-time job. Also, what better way to save money than by transferring some cash to your savings account? You can watch your savings balance rise each paycheck. Lastly, it’s okay to say “no”. It’s okay to say “no” to temptation and “no” to your friends when they invite you out. Remember, you have a bigger mission at hand.