<prompt> Human: I need my monthly income to pay for my monthly expenses. If I didnt receive a paycheck, I could survive for a little bit. But I would soon be in trouble because a lot of my monthly expenses are fixed.I understand having a buffer in my checking account as well as having a few months savings emergency fund. But how do you NOT live paycheck-to-paycheck?  <response>: decrease spending, or increase income, or both.to decrease spending: create a budget and stick to it. Cut out things you spend money on that maybe you shouldnt.Remember: saving 3 to 4 dollars a day saving 90 to 120 bucks a month. 