Someone probably taught you the basics of saving, but did they teach you what to do when money was tight? Maybe not, but that doesn’t mean you can’t save even when you live paycheck-to-paycheck.

 This month, we’ll cover some ways to live within your means while still saving money.

 Q: My job doesn’t pay enough for me to save. What do I do?

 A: If you have the time, getting a side gig can help bring in savings. This doesn’t mean you’re a ride share or food delivery driver (although it could). Use whatever talents you have. Babysit, write, design, create and put whatever extra income you earn into your savings account.

 Before you get a side gig, double check your budget to make sure you’re not getting paid enough. Write everything out. Even just $5 or $10 extra out your normal budget can help with savings.

 Q: Are there any ways to cut costs so I can save more?

 A: Yes, there are! Review your phone and internet plans to see if you’re using all the features listed on your bills, and cut out anything you don’t need. Talk to your utility providers and see if they’re open to lower rates. There are also government programs like the FCC Affordable Connectivity Program that provide discounts on your bills.

 A second way to cut expenses is to refinance your loans. Depending on when you originally bought your car or house, today’s interest rates may still be lower than the rates on your loans currently. AlliedFCU has competitive rates if you want to start saving money with a refinance.

 Q: I’m making more money, but I still live paycheck-to-paycheck. How do I save?

 A: A certain part of this trend is out of your control. Inflation outpaces wages these days, which means your pay has trouble keeping up with costs. Yet, another part is within your control.

 When you make more money, you could slowly fall into “lifestyle creep.” You realize you have more money, so you spend more. The problem is, you end up living paycheck-to-paycheck again. Don’t fall into the trap! Put whatever new cash you get into savings to set up a more secure monthly routine.

 Commit to saving little by little when you open an AlliedFCU savings account. You can even win extra money while saving with our Save to Win Account.