Building a starter emergency fund while living paycheck to paycheck begins with realistic, small goals. Aim to save $500 initially; it's achievable and less overwhelming than three to six months' expenses. Set up an automatic transfer of even $10 weekly into a separate savings account, distinct from your spending money, to foster a habit without feeling deprived[1][4].
Track your expenses to identify minor savings opportunities, like cancelling unused subscriptions or meal prepping[5]. Every small win helps reinforce the saving habit, transforming your mindset towards financial security over time[3].
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