[...] paycheck to paycheck [...]
My paychecks are irregular but I have some buffer to handle that and very little fixed expenses. For the rest I'm irresponsibly far into bitcoin and can't buy any more of these cheap coins.
Living paycheck to paycheck sounds very stressful. What worked for me in the past is listing all my fixed and regular expenses, converted to cost/month where needed, order them largest to smallest, and starting from the top of the list, try to get a better deal or consider cancelling the expense altogether. One that is often overlooked is food. Supermarkets have huge margins and you can often get much better deals if you order larger quantities on-line. Electricity usage too. I have natural gas heating and use about 1100 kWh/year using good LED lights, net-book computers and fridge, freezer and internet modem as the _only_ permanent loads, even the microwave has a plug-in switch since I don't like to spend 8 Watts to show the time when not in use. It's a bit of time to sort out but small savings on regular expenses keep adding up in time after that.