Trying to get out of debt when you’re “broke” or have little to no extra money may seem impossible, especially for those living paycheck to paycheck. I am here to tell you … it’s not!

3. Buying special little treats. PeopleImages.com - Yuri A. | Shutterstock . People who stay broke no matter how much money they make have a habit of buying special little treats on a regular basis.

2. They're disorganized. Prostock-studio | Shutterstock. Even though they have a steady stream of income, disorganized people never know exactly how much money they have in the bank.

So if you've been neglecting your long-term savings, you may want to pretend that Social Security is, indeed, running out of money. That should light a fire in you to start pumping more money in ...

When money's tight, it's hard to save for a rainy day or pay off credit card debt. But it's not impossible, says Monique White, a financial expert and the head of community at Self Financial, Inc.