Find a Store Login Apply Advance America LOANS RATES & TERMS SERVICES MONEY TIPS ABOUT US Home Money Saving Tips Money Management How to Stop Living Paycheck to Paycheck Budgeting Tips Credit Debt Management Home and Family Money Management Need Money Loans 101 How to Stop Living Paycheck to Paycheck Image How to Stop Living Paycheck to Paycheck It’s a fact of life for lots of folks: many of us are living paycheck to paycheck. According to a recent study by CareerBuilder.com, 8 out of 10 Americans are doing this—but there is hope. There are many ways you can fix your finances, but we at Advance America have found that the tried-and-true basics are the best place to start. Getting Started Like any difficult task, learning how to stop living paycheck to paycheck is accomplished one step at a time. Here are the best steps with which to start your journey: Set short, medium, and long-term financial goals Learn to budget and track your expenses (and consider using money tracking apps) Organize your bills so you have a better idea of fixed expenses There are numerous example budgets available for how you might allocate your income against cost of living models; basing your budget on these figures could be a good place to start: Notice: Information provided in this article is for information purposes only. Consult your financial advisor about your financial circumstances. Facebook Twitter Email Pinterest Related Articles Payment Deferment You may take out a loan and find yourself going through a financial hardship, whether it’s a job loss or unexpected medical bills you have to pay. Read more How Much Should I Have In An Emergency Fund? Unexpected financial situations are bound to happen from time to time, whether you have to pay a medical bill or lose your job. That’s why emergency funds are important. Read more Interest Rates If you take out a loan, the lender will charge you an interest rate on the amount you owe. You’ll then need to pay the interest as you make your loan repayments. Let’s dive deeper into what interest rates are and how they work. Read more The Advance America advantage Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit. 134+ million loans issued 1,200+ stores and online loans 23+ years providing loans Apply Now Find a Store Let’s keep in touch Sign up for news, updates and exclusive offers from Advance America. Email Select your state Select your state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Footer Primary FAQs Contact Us Customer Reviews News Careers Videos Footer Secondary Privacy & Terms Cookies & Targeted Advertising Security Information Site Accessibility Site Map Connect with us Facebook Instagram YouTube Pinterest INFiN © 2021 AARC, LLC. All Rights Reserved. Certain limitations apply. Subject to approval. See your local store for more details and additional disclosures. Checks or money orders may be issued instead of cash. Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. Delaware Licensed Lender License #s: 6996; 4472; 9644; 4474; 8061; 6971; 7092; 8052; 6076; 7400; 4473; 7556; 010431 and 012075. Rhode Island Licensed Check Casher. In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 760166.000, main office located at 135 N. Church St., Spartanburg, SC 29306. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender's approval. *Advance America makes title loan referrals to LoanCenter at no cost to you and does not qualify you for a loan. Loans made by First Electronic Bank, member FDIC, or Wilshire Commercial Capital, LLC. Not available in all states. Loans subject to lender’s approval. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License, with a minimum loan amount of $2,510. Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.