It may sound crazy to set aside money each month if you are struggling to get by, but having money to cover your emergencies can bring peace of mind and allow you to focus on other goals and issues. However, taking on a second job or working side projects can help you pay down debt and build up an emergency fund so that you can do more than tread water. Sticking to a budget and remembering your priorities can help you manage your cash flow more effectively in the future. Since most of your monthly income is likely going toward housing expenses, you can also look for ways to save on rent. If you are constantly struggling to make ends meet, you may be facing a combination of problems.