Living paycheck-to-paycheck makes it very hard to put away $1000 for an emergency fund.  But, The Penny Hoarder editor, Justin Cupler, has a month by month plan to do just that.

Start by opening a savings account which puts money in your account.  Then, sell items you don't need or use in your house.  You can also get the internet to work for you on purchases you already make.

Become a mystery shopper and someone who fills out surveys.  It takes a little bit of extra time and effort each month; but, all these activities will get you to your goal at the end of one year.

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