▲ （live） paycheck to paycheck
☆ I'm living paycheck to paycheck, and sometimes I even can't make ends meet, and I really want to save money.
▲ guilty pleasure
☆For many women, shoes are their guilty pleasure.
▲ put aside / build up
☆ We're putting aside 5,000 dollars a month for our Europe trip next year.
☆ They can build up savings to cover the cost of going to university.
▲ start off small
☆ Start off in small ways and it will get easier, and so will your life.