76% of Americans are living paycheck-to-paycheck

Sachi Baird working at Shepherd's Table

Roughly three quarters of Americans are living paycheck to paycheck, with little to no emergency savings according to a survey released by

For Sachi Baird, a single mother, full time student and Director of Shepherd's Table, an organization in Conway that feeds people in need, making ends meet is a constant struggle.

"I had a little system going where I was paying my rent three months in advance so it would catch me back up for when the student loan money was gone, I'd have the money to pay my rent for a few more months," Sachi explained.

Financial Advisor Patrick Munro said often once people take care of their housing expenses, car and child-care expenses, there is just nothing left to save. Americans have also racked up a trillion dollars in student loan debt.

"They're in forgiveness programs, they're on forbearance programs and so on and so forth and eventually they feel they're not responsible for student loan debt and it's a ticking time bomb down in the future," Munro explained.

Sachi isn't having to tackle her student loan debt yet because she's still in school but she will.

In the meantime, she said working at Shepard's Table reminds her to be thankful for all that she has. She said being here helps her keep moving forward.

"I know that I help them, but they help me way more than I could ever help them," she said.

According to Munro, there are a couple things you can do to break the pattern of living paycheck to paycheck. He said pay attention to your budget, don't buy anything you don't need and really limit the amount you drive, to save on gas.