Time for a pop quiz. How many people live paycheck to paycheck? If you guessed 61% of the population then you win. That’s according to a new survey from Careerbuilder.com. The study questioned 4,400 workers nationwide and found that six out of ten people always or usually live for payday in order to survive financially. That’s up from 49% compared to 2008 and 43% in 2007.

Don’t think those people living paycheck to paycheck are making small salaries. Three out of ten people living from payday to payday make $100,000 or more. That’s up from 21% back in 2008. In order to make ends meet, 21% of those surveyed say they’ve reduced 401(k) contributions or lowered the amount they’re stashing in savings. Even 23% of those earning six figures have dropped their contributions to retirement accounts.

Not only are people reducing their retirement savings, some aren’t saving at all. Thirty-six percent of those polled aren’t participating in any retirement programs. That’s five percent more than in 2008. Thirty-three percent of workers don’t save anything each month. Another 30% set aside $100 or less. And 16% save less than $50.

If you’re one of the six in ten people estimated to be living paycheck to paycheck, there are ways to stop the trend.

Boost Earnings: This could mean asking for a raise or it could mean getting a part-time job. Think outside of the box. Is there a hobby you can turn into a money-making opportunity? Do you have room for a roommate?

Reduce Spending: Get serious with cutting your expenses. Get rid of anything that’s not essential. This will give more room in your paycheck to start setting aside money in an emergency fund or a savings account.

Live By a Budget: Take time to write out a real budget. Putting it down on paper will help you stick to it. Give yourself a couple of months to get good at it. Make sure you have a portion or your paycheck going to savings.