Get rid of addictions/habits: addictions or habits (in mild cases) are harmful not only for your health, but also for your finances. Cigarettes and alcohol are responsible for consuming a large portion of the income from individuals living on minimum wage. It's not that unsual to find people spending at least 1$ on cigarettes daily, what after 1 month will result in 30$ expenses, which could be going into bitcoin investment, for an example.
As someone who has seen people living on the line of poverty before, I can tell you that this step is extremely tricky.
I am talking about people whose one of the few escapes from reality they had was smoking, drinking or gambling, most of the time as a social activity to relieve their struggles. They do not even bother to count how much money they spend on beer or cigarettes, by the way.
I recall certain case of this man who used to smoke so much that if he stopped smoking for a day he started to feel sick, flu-like symptoms.
We can always witness these kind of people living in squatters area as most of them live their lives poorly but overspend when it comes to gambling and vices addiction. That makes them poorer in the process, instead of looking for jobs and saving for their kids future. But I dont tend to generalize since a lot are also struggling to sustain from their low paid jobs and do a lot of ways to save so they can sustain living their day to day activities.