Struggling to pay the bills? Unemployed and waiting for your first check? Can’t come up with $400?

There are some Americans, perhaps the bottom 15-20% income wise whose income barely covers basic living expenses and then there is everyone else who spend money, but save nothing.

The notion that the majority of Americans cannot come up with $400 is absurd.

If you are one of those, here are some tips on how to save $400 and more.