 TITLE: How to Improve Credit When Living Paycheck to Paycheck CONTENT: Step 2: Close the Shortfall\n---------------------------\nAs you'll notice, not every expense on the budget list is a crucial one. Return to the worksheet and start evaluating which you can feasibly reduce or even eliminate. Your aim should be to close the shortfall and, if possible, have at least a little cash left over for savings and emergencies.\nFor example, if you discover that you're running a $200 monthly deficit, but you've been spending more than that on a combination of dining out, entertainment and other non-necessities, shave those line items down to a reasonable sum. After playing with the numbers, follow through and make the required spending adjustments. Tightening your belt can be a challenge, but it'll be worth it in the end. It's certainly better than worrying about how you're going to pay your landlord. See \"What Is the Best Way to Save Money?\" for more tips on where to trim your budget. END