It's not easy living paycheck to paycheck, but a lot of Americans find themselves either doing that or worse these days. We struggle to make our bills and wonder, how did our parents do it? Are things really that much more expensive now? I don't think so. I think our parents were raised to live a little more frugally than we do.

Think about it: How many times were you told to turn off the light in your bedroom because you were wasting energy? How many times were you yelled at to close the refrigerator door or to finish all the food on your plate?

A lot of parents don't do that these days because they absolutely HATED it when they were kids. It gets old real quick being told to do these things, but guess what...our parents told us to do these things because they didn't like to throw their money away.

I was on Facebook the other da,y and I found the link to this article from that tells how this woman and her family stopped living paycheck to paycheck. I think she has some really great advice. The funny thing is that it's all things that my parents did when I was a kid. It's not a list that most people are willing to try. They just don't want to make the sacrifice.

Do you live paycheck to paycheck or worse? Have you changed your finances simply by changing your habits? What advice can you pass on to someone who is struggling?