5 Ways to Save Money on Transportation While Living Paycheck to Paycheck

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We have all lived paycheck to paycheck at one point in our lives. But we don’t have to live this way. By saving more, you can increase your financial stability and work toward breaking free from the paycheck-to-paycheck rat race. Most people fall for the myth that saving money has to be a drastic action, but the truth is that every little bit counts. I’m sure we all would like to save more money, and luckily there are plenty of ways to save on expenses today and in the future. Here are some effective ways to generate savings today and tomorrow. 

1. Give Your Car a Break

Rather than spend money on filling up your car with gas, try an alternative such as walking, biking, or public transportation. If you have to drive, try carpooling instead.

2. Keep Up With Maintenance

Take your car in for service appointments and preventative maintenance. Keep up with car maintenance – I found this article to be a great example of how keeping up with car maintenance can save you lots of money over time.

3. Ask Your Employer for a Transportation Stipend

I know this may not work for everyone, but it’s worth exploring if you do a lot of commuting for work. One of my first jobs was a paid internship, and once they found out I lived farther from the office and would be commuting, they offered to pay for my train fare. Their offer saved me $300 a month. If your employer can’t cover your commuting costs, see if they’d be willing to provide a small transportation stipend or even reimburse for mileage.

4. Shop Around for Car Insurance Rates Every 1-2 Years

Regularly shop around for lower car insurance rates to make sure you’re always getting the best deal. 

5. Wash and Clean Your Vehicle Yourself

Taking your car to a car wash or getting it professionally detailed sounds nice, but is probably not a necessary expense to have when you’re living paycheck to paycheck. All you need is a bucket of water, soap, and a rag to wash your car at home. You can also vacuum your car for around $1 at most gas stations.

Living paycheck to paycheck can make you feel limited in terms of how fast you can pay off debt and what you can save. The key is to get creative with your budget and how you manage money.

Start with these tips if you’re looking to save, and also realize that living paycheck to paycheck doesn’t have to be your future. Take steps to start building up your emergency fund, increasing your income, and taking specific actions to improve your financial situation.

Also, check out my Budget Beyond Your Paycheck worksheet bundle to help you stay on track.

Tags: Personal Finance

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Written By

Chonce Maddox

Choncé is a CFEI and freelance writer from the Midwest who loves to encourage open discussions about personal finance with her writing. See Full Bio

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