How to stop living paycheck to paycheck


Are you stuck in a cycle of living paycheck to paycheck? We all find ourselves in that spot at some point, and sure, the reasons seem pretty obvious — low income, high expenses, and some less-than-stellar money management. But there’s more to the story. Your money mindset plays a starring role in this financial drama.

Let’s get real about those mentalities or mindsets that keep us trapped in the paycheck to paycheck cycle.

  1. The Scarcity Mindset: Picture this — you believe there’s never enough money to go around. You’re anxious about your financial situation and can’t even imagine a future where you’re secure. As a result, you end up spending every penny, unable to save or invest.
  2. Instant Gratification: Oh, we’ve all been there — focusing on the here and now, living for the moment. You see something, and bam! You’ve got to have it, regardless of how it impacts your long-term stability.
  3. Dislike of Planning: Ah, planning — it might not be your cup of tea. Perhaps you think it’s unnecessary or that you lack the know-how. But without a clear financial plan, we’re lost at sea.
  4. Fear of Change: Yep, change can be terrifying. The unknown can make you hesitate to cut expenses, seek better opportunities, or tackle that debt head-on. But together, we’ll embrace change like the fearless warriors we are.
  5. Learned Behavior: Our upbringing can have quite the impact on our money attitudes. If living paycheck to paycheck was the norm in your household, you might unknowingly carry on those habits. Let’s take a closer look at this and create a new money legacy.
  6. Lack of Self-Efficacy: You’ve got all the power within you to change your financial destiny. But if you believe you’re stuck and can’t make a difference, it’s time to rewrite that story. With newfound belief in yourself, you’ll be unstoppable.

We’ve uncovered these mindsets, and now we’re ready to flip the script. Empowerment is just around the corner, and it starts with awareness. Embrace financial education, set those fabulous goals, and let mindful spending be your new mantra. With a sprinkle of courage and a dash of determination, you’ll break free from the paycheck to paycheck cycle and step into a future of financial freedom. You’ve got this!

Here are the steps to take to break free from the paycheck to paycheck cycle:

  1. Become Aware of Your Paycheck to Paycheck Mentality: Start by understanding the essence of the paycheck-to-paycheck mindset. It’s not just about money; it’s about what you believe about money. Deep-seated beliefs, some inherited from childhood or societal norms, play a significant role in shaping your financial reality. It’s time to uncover these beliefs and take the reins of your financial destiny. Take my quiz to learn more about the state of your money mindset.
  2. Embrace Change and Conquer Your Fears: Yes, change can be scary, but it’s also the magic wand that unlocks endless possibilities. Embracing the unknown, facing your fears, and stepping into your power are the keys to escaping the paycheck-to-paycheck rut. Trade in fear for courage and uncertainty for adventure as you embark on this thrilling financial journey.
  3. Dance with Delayed Gratification: We often get lured by immediate desires, but delaying that pleasure can lead to an extravagant future. Choosing to wait for the right moment to savor life’s pleasures enables you to align your actions with your grand vision of prosperity.
  4. Believe in Your Financial Brilliance: Never doubt the power within you. Your financial self-efficacy, that belief in your ability to manage money brilliantly, is the spark that sets the world on fire. Acquire knowledge, seek guidance, and let your financial brilliance shine through as you take charge of your financial journey.
  5. Embrace the Abundance Mindset: Break free from the chains of scarcity and embrace the abundance mindset. You are worthy of all the wealth and prosperity life has to offer. Gratitude, affirmations, and visualization are the enchanting tools that conjure up a world of abundance and magnetize opportunities into your life.
  6. Set Sail with Meaningful Financial Goals: You are the creator of your destiny, and setting sail with meaningful financial goals is your compass to guide you through stormy waters. Choose goals that ignite your soul, propel you towards greatness, and give your financial journey purpose and direction.
  7. Design Your Financial Blueprint: It’s time to design your financial blueprint, the masterpiece of your financial journey. Craft a roadmap that aligns with your desires, address any debts with courage, and create a savings and investment plan that’s a testament to your financial brilliance. This blueprint will be your guiding light to a life of abundance.
  8. Seek the Power of Community: You are not alone in this captivating journey. Seek support and accountability from your tribe, your trusted allies who cheer you on, and offer valuable insights. Engage in open dialogues about money, for when we share our experiences, we grow and inspire each other.
  9. Embrace Resilience and Perseverance: This journey is an adventure filled with twists and turns. Embrace resilience, for it is the armor that shields you from setbacks. Persevere with unwavering determination, knowing that the path to financial freedom is worth every step.

Yes, living paycheck to paycheck can be influenced by your mindset, but you can change it. The paycheck-to-paycheck mentality is no match for the fire that burns within you. Embrace the power of your thoughts, challenge those limiting beliefs, and dance with courage as you set sail on the journey towards financial freedom. Together, we unleash our potential and create a life of prosperity and abundance, for you are a force of nature!

Looking for support for your money mindset transformation? Check out my Money Mindset Masterclass.



Jenny Whichello, Bliss + Wealth

On a mission to help the next generation of unstoppable women have blissful relationships with money while building wealth! Free resources @