If you’re so strapped that you have to choose between paying your electricity or water bills, we’ll spare you the “stop buying coffee” advice. Simple money-saving hacks won’t cut it if you’re scraping by from one paycheck to the next — or have no paycheck at all. Before figuring out ways to save money on…

Laura McMullen writes for NerdWallet. Email: lmcmullen@nerdwallet.com. Twitter: @lauraemcmullen.

The article Ways to Save Money on a Tight Budget originally appeared on NerdWallet.

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