Residents in some states are a lot luckier than those in others;they’ll have more money left at the end of the month, rather thanvice versa.

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Related: 10 paycheck-to-paycheckstates

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High housing costs, high utility costs and high cost of livingcan derail even the best paychecks (well, among the 99 percent,anyway).

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It’s tough these days to make the dollars last long enough topay all the immediate obligations and still have enough left overto put into a retirement account.

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But if you’re planning on having any kind of a life duringretirement, you’re just going to have to do better at it—andGoBankingRate.com’s got a few suggestions.

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According to their most recent study, if you want to avoidliving paycheck to paycheck and ending up like the 69 percent ofrespondents who said they have less than $1,000 in savings, or evenworse, among the 34 percent who admitted to having no savings atall, you’d be well advised to seek out one of these 10 states,which have lower housing costs, cost of living and other factorsthat help people stretch their money.

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Related: 18 scary retirementstatistics

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It would be better, of course, to boost your income if at allpossible, but if you just can’t find a way to do that—through lackof better job opportunities or other factors—GoBankingRate pointsout that relocating to a state where your money goes further,thanks to a low cost of living compared to income, you couldpotentially improve your situation.

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Related: 10 obstacles to retirementreadiness

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Of course, in some of these states you’ll need tostretch your money, since their median incomes aren’t very high—butat least you might stand a fighting chance.

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And if you’re trying but failing to save for retirement, you mayend up spending your golden years here—especially if earlierefforts to stretch those dollars aren’t very successful.

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In Michigan, housing costs are low, and hey, sunsets are free. (Photo: AP)

10. Michigan

Median household income per paycheck:$1,964.77

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Total leftover income after cost of livingexpenses: $902.58

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Percentage of leftover income: 45.94percent

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Housing costs in Michigan are low, eating up less of a paycheckthan other states and leaving more to spend on othernecessities.

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In addition, Michigan workers have the added benefit of cheaperfood costs per paycheck, which also helps to stretch what’s left.In fact, with nearly half your paycheck left after the essentialsare paid for, you might be able to do quite well.

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The cost of living is lower in Kentucky, where fields of canola bloom near Oak Grove, as a man looks under a car hood in a salvage yard. (Photo: AP)

9. Kentucky

Median household income per paycheck:$1,739.04

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Total leftover income after cost of livingexpenses: $799.16

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Percentage of leftover income: 45.95percent

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Food costs per paycheck in the Bluegrass State are low, at just$157.02. That amounts to just 9 percent of income per paycheck,which is way low compared to the rest of the country.

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But Kentuckians also make out with lower housing and health carecosts per paycheck, having even more money left over to get by with(okay, so it’s 0.01 percent more than Michigan) and increasing thelikelihood that they won’t end up living paycheck to paycheck.Unless, of course, they blow it all at Churchill Downs…

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The St. Louis Arch at Christmas time in Missouri, where you'll have more money left after paying the bills. (Photo: AP)

8. Missouri

Median household income per paycheck:$1,932.23

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Total leftover income after cost of livingexpenses: $887.99

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Percentage of leftover income: 45.96percent

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You won’t find terrific paychecks here—Missouri’s medianhousehold income is less than the national median—but, on the otherhand, housing expenses only amount to $379.52 per paycheck.

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That’s less than 20 percent, leaving you the other 80 percent tospend on whatever else you need.

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In Kansas the cost of living is low, and the beauty of a field of sunflowers near Lawrence beckons artists and photographers. (Photo: AP)

7. Kansas

Median household income per paycheck:$2,073.31

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Total leftover income after cost of livingexpenses: $958.78

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Percentage of leftover income: 46.24percent

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Kansas has a median income of $53,906, while housing here costsonly around 20 percent ($418.73) per paycheck. Even when puttogether with transportation, the two combined still cost less thana third of your paycheck.

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All in all, Kansas is looking pretty good at keeping you fromliving paycheck to paycheck, particularly since the state’sleftover income per paycheck is the third highest in thenation.

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Alabama has a low median income, low cost of living, and, of course, Mobile Bay. (Photo: AP)

6. Alabama

Median household income per paycheck:$1,721.73

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Total leftover income after cost of livingexpenses: $801.61

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Percentage of leftover income: 46.56percent

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You might be Alabama bound once you see how low the cost ofliving is here.

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Despite a low median household income, the cheap cost of livinghelps you stretch that paycheck of a tad over $1,700 quite away.

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And when it comes to housing expenses, they only amount to$332.72 per paycheck. That translates to about 19 percent of yourpaycheck, which is one of the smallest percentages in thestudy.

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In Indiana where you can keep more of your paycheck, the snowballs fly at Indiana University. (Photo: AP)

5. Indiana

Median household income per paycheck:$1,943.54

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Total leftover income after cost of livingexpenses: $905.97

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Percentage of leftover income: 46.61percent

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Not a bad place to hold onto more of your paycheck, Indiana isone of the states with the lowest cost of living expenses. Housingcosts are pretty low too, at less than $400, or about a fifth, ofyour paycheck. That beats out the majority of other states.

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And even when it comes to food, you’ll spend less than 10percent per paycheck, which should leave you enough extra cash tostart socking some away toward retirement.

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In Tennessee, the cost of living is low enough to buy an extra-large pair of boots. (Photo: AP)

4. Tennessee

Median household income per paycheck:$1,818.27

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Total leftover income after cost of livingexpenses: $854.97

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Percentage of leftover income: 47.02percent

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You might have less income left over in your paycheck inTennessee than you would in Indiana, at $854.97 compared with$905.97, but slightly cheaper living expenses in Tennessee meansyou’ll have a larger percentage of income left over.

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Just don’t spend it all in one place.

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In Oklahoma, where drilling rigs are a common sight on the prairie, the cost of living is low, paychecks buy more. (Photo: AP)

3. Oklahoma

Median household income per paycheck:$1,868

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Total leftover income after cost of livingexpenses: $891.52

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Percentage of leftover income: 47.73percent

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Gas is cheap here, says GoBankingRate, citing Gas Buddy; infact, the state has some of the lowest gas prices in thecountry.

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So that cuts transportation costs, and takes a smaller bite outof your paycheck—smaller than in most other states. As a result,you’ll have more money left to cover housing expenses—somethingelse that’s “remarkably cheap” at $326.96 per paycheck, incomparison with other states.

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Arkansas median household income is low, but so is the cost of living, even in Little Rock, seen at sunset. (Photo: Getty)

2. Arkansas

Median household income per paycheck:$1,615.19

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Total leftover income after cost of livingexpenses: $775.37

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Percentage of leftover income: 48 percent

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Don’t look for much pay here; Arkansas residents’ medianhousehold income of $41,995 is actually the second-lowest medianincome in the country.

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But when it comes to cost of living expenses, you can make outand stretch that check—maybe even into retirement savings.

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Housing will only consume about 20 percent of each paycheck,while food costs eat up another 9.3 percent and utilities 5.4percent. That means you’ll have close to 50 percent of eachpaycheck left over to spend (or save! Remember that retirementaccount!).

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 A runner jogs along the beach before sunset in Pascagoula, Mississippi. The state is one of the cheapest places to live in the U.S. (Photo: AP)

1. Mississippi

Median household income per paycheck:$1,561.27

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Total leftover income after cost of livingexpenses: $766.06

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Percentage of leftover income: 49.07percent

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If you’re looking for the place where you’re least likely tohave to live paycheck to paycheck, you can stop now. Mississippi,one of the cheapest states to live in, doesn’t boast much in theway of median household income—just $40,593, which is the lowest ofall 50 states—but it does excel at record lows for cost of livingexpenses.

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But before you run screaming for the hills—or the cities wherepay is higher--Mississippi also claims record lows for cost ofliving expenses. Housing, utilities and food costs per paycheck areall lower in Mississippi, while the state’s health andtransportation costs are also affordable.

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