Living paycheck to paycheck isn’t easy. It means using up all your paycheck until the next one arrives. This leaves little to no room for surprise expenses, such as accidents, medical emergencies and other surprise fees that can put your bank account in the red. It also makes it harder to save for long-term goals, such as retirement, buying your first house or paying off your credit card or student loan debt. Use these personal finance tips to break out of the cycle so you can start saving more money each month.