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Schwartz Financial Associates, Inc


701 Route 73 North, Suite 6, Marlton, NJ 08053

Phone: (856) 216-0390



January/February 2022

How to Stop Living Paycheck to Paycheck

Controlling spending may be hard, but it’s not impossible. Here are some ideas to help you get started.

Find Out Where It’s Going
It’s easy to lose track of how much you’re spending. Keep a log of everything you buy. At the end of each week, review your log to see where your money is going.

Create a Spending Plan
Start by reviewing your fixed monthly expenses, such as mortgage or rent, insurance, loan payments, and so on. Determine how much you typically spend on food, utilities, and discretionary items, including dining out and subscriptions. Then look for places to save.

Automate Your Savings
Set up automatic transfers to savings each pay day. Having your savings account at a different institution from your checking account may make it harder for you to transfer money out of your savings. Add any bonuses, raises, or tax refunds you receive to your savings.

Eliminate Debt
Prioritize paying off personal loans or credit card balances. Reducing high-interest debt immediately increases your ability to save.

Meet with Your Financial Professional
The sooner you act, the sooner you can stop living paycheck to paycheck.


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Registered Representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity.
Advisory Services and Financial Planning offered through Vicus Capital, Inc., a Federally Registered Investment Advisor.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
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