Our Bare Bones Budget-Extreme Budget Update//Low income living 2021
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- Äas pĆidĂĄn 17. 08. 2021
- #theproductivehomemaker Embrace a back-to-basics lifestyle and experience the simplicity and fulfillment it brings. Discover ways to simplify your life, reduce clutter, and reconnect with nature. Find peace and contentment through this lifestyle change.
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I would say over 75% of all our clothes, household and kitchen items, decorations for our home, furniture, yard and household tools,appliances even my dog bowls, collars, leashes, came from years of shopping at thrift stores! I am proud of my living cheap! We only buy used cars. We are debt free!
There is such peace that comes from living like that. Great job and God bless!
â@@deejay7344same
My Grandmother always told me that happiness comes in moments, We should strive for peace and contentment. As a young woman I didn't quite understand. In my fifties I finally got it, I have now found that peace and contentment in my life. It's a wonderful place to be. :-)
Prayers for all the people who have been affected by the earthquake in Haiti. đđđ
Prayers for the people of haiti
And for the people who are stuck in Afghanistan deserted by our president
@@rexcarebear4701 prayers for the people of afghanistan
Very wise words. I have always said "enough" should be ENOUGH! Why would we need more? You in no way live a 'poor life' dear. You live a very rich and God filled life. BE PROUD
This video is well done, Tessie.
You exhibit calm and professionalism while being kind.
đđđđđ
I had a wonderful high school teacher who taught us about paying off a mortgage much faster than making just the monthly payment. Because of her I have been able to completely pay off the last 2 homes we lived in.
Nice seeing you again Tessie.Being debt free is a wonderful feeling!I will never go in debt again.If I canât afford it I will do without it.Have a great evening everyone!
Wise words on living below your means. Life can still be fun and filled with joy while being debt free!
Tessie you are wise beyond your years...wish everyone would live their lives under what they have - not dangerously above...My Grandma used to say "yes money pays the bills but it doesn't make you happy" She was so right!
Godly wisdom Tessie is a blessing on your lives.
She has been ever since I found her. I found her during lockdown I have listened for more than a year. Sheâs giving me a lot of confidence especially when I was trying to learn how to grow some of my own food. She is exceptional.
Who Loves Tessie Time:)
đ
All the time!
Wow! Very impressive. Wish more people would think like that. Especially with what's happening now. đđđđđđ
You not only live a frugal life, you live a smart life which a lot of people don't understand.
You are such a wonderful woman of God Tessie. I wish that I had lived a frugal life. But I didn't. Now I am 62 a live on my Social Security Disability check each month. That is my life. I watch your videos and think, I could have lived a frugal life to. You have a lot of wisdom for your age. Love you sweet sister. God Bless Y'all. Huggggggs
My grandparents raised me the same way, always live below your means, heard that so often and I have tried to instill that in my son. He just turned 17 and he is restoring a old little Toyota truck and he bought a step van which he is turning into a tiny house and he has paid cash for it all.
Nothing brings on an emergency faster than saving for one! SO glad you're feeling better đ
Definitely!!
I'm living on my own again and I'm trying to be more aware of my spending and my saving. My mother was like your mother in many ways. She taught me so much about frugal living. Thanks for sharing, Tessie.
Tessie it sounds so peaceful around your home with all the little birds singing you are so blessed.
Here in Canada we donât pay for hospital or medical visits. We do pay some on medications, but the government helps with that as well.
Food is very expensive,as are taxes depending on which province you live in. I canât imagine what some of you folks must pay in the states. Nice to hear of the ways you deal with it. We have always been frugal. When it has been necessary and even when not. Itâs sooo wonderful to be debt free. Great vid Tessie. đ
I can tell you about our medical bills,,either bills and medicine or food. Iâve seen older people thatâs eats cat food. I canât afford any kind of medically.
My hubby is from Canada and he misses not having Government Insurance.
Your taxes are very high so it balances out here in the U. S.
@@thamieklybodonmi I have only one question. What do our American health insurance companies do to help patients?
It is certainly very wise to live under one's means to save for future needs. Unfortunately, many today do not do so and when they reach retirement age, they feel it. I'm really glad you brought out these points for us all to ponder on. I choose living frugally as well and I can say that I do not feel that I am missing out on anything at all. It brings great peace of mind.
There is such a difference since your surgery.! You appear more peaceful, younger and healthy. Iâm so happy for you.
aww thank you Doris !!
I admire your ability to buckle down when you need to. That is a great strength.
Please keep sharing these video Sis Tessie. We are trying to pay off debt and purchase a small homestead like yours. Love your channel and you are such a great positive motivator. Shalom and Blessings and may The Most High bless you and your family with all the resources needed financially.
Great video! As a young adult I am so appreciative of adults and people in general who are open about how they have accomplished something financially because it give me an idea about how I could do the same. Or inspire other ways to potentially do it more frugally, learn from others mistakes, etc. Money is part of each of our lives and for the most part I donât see the need for it to be a secret. Most people would benefit from financial advice or a different financial perspective.
Tessie, you are kind and have such peace talking about your budget and your family. The Lord has called you to this channel as your ministry. Thank you for sharing your story with us.
My grandmother once told the story about using her tithe money to buy chickens for eggs. She said it was only $2.00 back then, she was born in 1914, but she woke up the next day to find all of her chickens dead. She said the Lord was teaching her a lesson. She always tithed after that and as long as I can remember. I miss her so much. We lost her to a brain hemorrhage in 1996. I think of her everyday.
Blessings to you and your family.đđ
Thank you for Such Kind words, You are a beautiful person and your comment to me Blessed me so much!
Thanks so much for sharing so much helpful information with us, Tessie. There are so many folks these days who are dealing with the exact same challenges that your family is taking on right now. And -- even though it's not really fair -- it's currently "the thing to do" to try to blame and shame people who don't conform exactly to an unwritten set of rules about how we're all "supposed" to live our lives. Especially when it comes to money!
That leads some people to ask really inappropriate questions. Questions they would not be likely to ask if they were face to face with you in your (or their) own home. Most of us were taught when we were growing up that there are some questions you just *don't* ask. Such as: "How much money do you make? How old are you (to anyone who is not a child)? How much do you weigh? Do you tithe? How much money did you inherit?" Etc., etc., etc....
So I just have to say again that you are an amazingly patient person. You never give back rudeness for rudeness. And it's amazing how you can help to take the stigma out of -- say battling anxiety or solving financial problems creatively -- by talking openly about things. That's brave!
To people whose parents didn't teach them about boundaries and courtesy, and who feel obliged to offer unsolicited advice, disguised as "constructive criticism," and to ask questions that are inconsiderate, all I can say is: You can learn a lot from Tessie -- not only about frugality and household management -- but more importantly about *kindness.*
Sunshine, I was very impressed tonight. I need to learn from you and Iam going to try. Iam going to sit down tonight and write a budget. My intent is to follow it. I need to make it through one day at a time, one week at a time, and one month!
Iam 68 and on a limited income. Your voice will stick in my head to keep me going.
Thank you and God Bless
Good Morning Tessie, Sisters, Brothers, and Friends:) Wish you all a wonderful blessed Thursday filled with Gods Joy and Happiness:) Remember to pray for one another and for all around the world:) God Bless You ! Love you all:) Keep smiling be safe:)
Good evening everyone. Hi Tessie. Love seeing you and saying hello to all. God bless! đ·đ·â€
Blessings to you, Joanne.
Good advice. What most of us learned back in the 60's. Worked then and still does today. I understand going into frugal mode when money is tight. Thanks for sharing. Many don't realize how valuable this information is.
I really wish Healthcare in America could be more affordable. The prices are outrageous and one major health bill can really break someone's financial situation.
Blame the insurance companies and big pharmaceutical companies. Also, Americans have been socialized into thinking that Medicare for All will mean that they can't run to their favorite doctor for every little thing and they won't be able to demand care when THEY want it! So, this is why we have the system we have, but other countries have a more equitable system!
I agree. Things are so expensive in America. You.can get the same things done in Mexico for 1/4 of the cost.
You my dear friend exemplifies contentment in your frugal life style. This was an awesome video Tessie and I really respect your reasoning behind it. I hope CZcams is around for a long time. You are always a special part of my day, and I always look forward to your video's. Thank you Tessie.
Great Video Tessie!!!!! I will be debt free next year! taken me 4 yrs. That includes my family moving 5 times since 2002, my daughters medical bills from brain surgeries ( Epilepsy), plane fee, hotels, ect. I have to admit it has been a hard, long journey. We have been diligent & have not missed a payment. God has been our guide. Many do not realize what it feels like not to go our to eat, buy clothes, travel ect. With the world conditions of our world, I am so blessed to know we will not longer have that heavy load!!! I would love to save for a home. we rent & it is so expensive. Yet, home owning is expensive. Taking one day at a time! Love & Blessings from Florida.
Our stimulus went to necessities too. We had to buy a new washer & dryer when our washer broke. They were 34 years old. We recently had to have the trees cut down. Both of us also had to have work done on our older cars. The only thing we splurged on was a 300 watt solar generator so we could have a fan and lights when a hurricane takes the power out. We're both very frugal, didn't used to be, but don't miss living the high life. Living frugal is a way to challenge yourself to see if you can do it. You'll be proud of yourself. đđ Blessings. đâ
Good Evening Tessie , Sisters, Brothers, and Friends:) Be sure to hit that like button Tessie will appreciate it lots:)
@@MichaelR58 Hi Michael 58:) Stay safe and healthy my friend:) God Bless:)
Good evening Owen :-)
Hi Owen đââ€
Hi
@@TINA-pf2bb Good evening TINA:)
That was a fascinating video. It does make me feel happy inside to know that You Tube and your audience members like myself are helping you continue this amazing life you lead. I also hadn't thought about tithing the way you do. That gives me more food for thought. Thank you, Tessie!! You are one SMART COOKIE!!
Yes, please apply for assistance - thatâs what itâs there forâŠ.you (and your family) do so much to help others by volunteering at the food bank and delivering food.
Thank you, I will
Yes please apply for assistance. We did when I broke my arm. Bills were over $40k. Because of our very limited budget they wrote off 100% of the bill. Praise God for His provision.
Saving money and living a frugal lifestyle is the only way to live these days.I am also content living this way. I would like to retire without having financial worries so itâs really the only way to live.
Amen Tessie â€Stay Blessed praying everything works out with those medical bills.
Good video -- I hope people hear what you said. Your recent health issue is an example. People seem to save for vacation, but forget that they need to save for their own lives. Right now, so many charities are being exposed as criminal, please be careful about choosing one to give money to.
Tessie, I have been following you daily for almost 2 years. You are always the first video of many that I follow daily. I always let your commercials play because I want you to get every free blessing I can give you! I really wish you had a $1 a month Patreon Channel just so you can go live once a month for those of us who would love to donate towards more of your bills and savings. Please think about it a little differently...a new layer, another income stream...even if it's for charitable causes kind of what Alaska Prepper does giving to the food bank, or helping a family member in crisis...ect. I'm not rich, but I would certainly pay $1 a month to support whatever cause you want to! You would see immediately who your super fans are with live chats as well. May God Bless You!
All I can say about my budget is I'm 68 and I had to go back to work here lately because my husband passed away in 2016. I wasn't wise with my money at all or my inheritance or the life insurance policy from my husband I setback and used it all to pay bills till I realized it was coming to an end. I really didn't think I would live this long after he passed. But here I am having to work to survive in this old world. I thank God for my health that I can at least do that. I did let your videos play for 3 hours straight this morning Tessie. They just kept playing one after another I did not make comments but I hope you get the credit for them. Love you take care God bless.âđâ
Carol, you're not alone. There are more of us in your situation than most people realize. You have a good heart and I'll bet some of that money you inherited went to help out other people. Wishing you all the best.
@@kesmarn it sure did helped a few people and then my grandchildren that lost their daddy AKA my son and their mom ran away. Thank you for the wish. Take care God bless.
Iâm so grateful you got insurance not knowing you were going to need it!! I believe it was Divine intervention đđ»đŠđđ» So glad you are feeling & looking so well!! Much love & admiration from Kentucky đ€đ„°đ
Enjoyed. I live frugal because its the only option to survive. If I did have any extra money I sure would not spend it, I have learned the hard way because I became very ill at age 48 with a young son still at home. Now I enjoy being frugal and stretching each dollar. I'm proud that I have so little income but yet all my bills monthly I pay on time. No debt. It feels good. A simple life but thankful for each thing I have. God bless you Tessie.
Thank you So Much for sharing a Part of your Life with Me,Your Message Really Is A Blessing
Tessie you are a very amazing woman. You have given so much of yourself to all of us. I truly do not thank you know what a blessing you are to so many. This was a very good video. Very happy to see you are doing and feeling better. Medical bills can add up fast with or without insurance. I'm sure you already know this as long as you make some form of payment $5.00 monthly or whatever amount you want to give as long as you pay monthly they normally want bother you. God Bless much love to you and Ken my friend.
That's what I am doing with a few medical pass due bills. I'm pay $10 a month on a $1,200 bill. They got me on another bill, there I'm pay $ 63. It's a vicious cycle with these medical bills, I've paid thousands of dollors into medical insurance, taxes and such , as my job does not provided medical insurance. I'm employed full time, so I still pay taxes to the IRS every single year. As an American. I felt, why not apply for help. I was able to get ACCESS/Medicaid due to my history of cancer, Now, As far as I understand, anyone can apply for ACCESS, Now if you have more then one care, or one house, then you may not be eligible. I'm not %100 sure.
Thank you for this video. I think you hit home on a lot of things. Tessie you are so right about saving money. We never know what tomorrow brings. God Bless you. You look so young with the weight lost. Take Care.
Thank you Tessie for sharing. I think your budget was very wise. During those time that you said your husband worked 90 hours and you were choosing to live poor. Well your needs were met and truly that is all that needs to be met is needs not wants. I think in our world many times we think wants are needs. I think it is awesome that you have such self control when it comes to be so frugile. It is not easy. I have always been a thrift shopper. I am not saying I never buy new but I have always thrift shopped. I find bargins on grocery. I will shop day old food places. I will shop mark down foods too. I am like you I am willing to take things for free. I enjoy hand me downs of clothes and things. Watching videos inspires me to be more of a penny pincher. I look at your home and land and it is a very nice place and it goes to show we do not have to have a huge home or New home. We can take any place and fix it up and make it home. We have lived in some older places that needed some work and we made them look really cute and they were home. we know that our real home is in Heaven but while we are here on earth does not mean we can not enjoy what God has given us but this is not all there is. So we should not love material things. You enjoy your things like I do but I we both remember our real hope is not in stuff but Jesus. This was a great video Tessie. Thanks for sharing. Appreciate you Tessie. God bless you.
Very big of you to share your financial moves with the world. Just another way you'll help people.
This biggest life lesson is learning to live responsibly with money. I know where everything goes and I know my bills are paid. Saving money has been difficult for me as always, but i intend to learn no matter what! I was never able to grasp the concept of saving money for retirement, so it is what it is.I believe this subject needs to be taught in the home as well as in the school system. Thankyou Tessie as always for sharing your life with us! Maia
I was raised frugal. Itâs comes easily for me now that Iâm older.
Good evening Tessie, Thank you so much for pouring of yourself in such a humble manner. I am so grateful for what you shared today. I am currently trying to downsize my home so that I could eliminate my mortgage. Getting off debt gives such freedom. That is what I am aiming towards. Thank you again. God bless you.
Praying for all in Haiti.
And all Americans abandoned by our president in Afghanistan
So proud of you Tessie. Keep on doing what you do you are a blessing to us all
Sending love, hugs and prayers
Keep smiling sweetie xoxo
Good evening terri riccardi:) Tessie is a blessing a very wise woman:) Have a blessed evening:)
@@owen4248 yes she is have a wonderful evening sweetie xoxo
I just love your videos. This one was the best of them all. Such a wise young lady and a blessing to us all.
Thanks for sharing Tessie. You always explain things in such a way we all can benefit from your wisdom.
Thank you my friend.
Very well done Tessie~ you really have a gift for teaching. May God continue to bless you & your entire family. đđđ
I love your encouragement! Also you are very thankful and grateful! I also pay cash for a lot of things .
Just today, I saw this video come up in my 'recommended for you' feed-and am I ever glad you did! I've not seen you before today-so a big thanks to all those hitting the 'thumbs up' đ on your video's, as It's definitely creating a strong algorithm for you-as that's how I found you...đ We too live a frugal lifestyle-after years of struggling to make ends meet w/ 3 boys to raise, we are now retired and enjoying the fruits of years of labor đââïž. As this was my first video of yours I've watched-I'm off to catch up on the others! Thank you for sharing parts of your lifestyle, as you have lots of great nuggets of info sprinkled throughout âš
Welcome to My Channel. I am so honored to have you here! I hope you continue to enjoy My videos
@@HomesteadTessie Oh did we ever enjoy watching your lovely 'tour' of your welcoming home-and truly, the most beautiful land we've ever seen homesteaded! Man o man have you and yours ever been busy-and it shows-your acre is worthy of being in a magazine, as it's so well doneđđ
Thank you for your insight on how to live a frugal life. I too live this way with my husband and we've always enjoyed it. Take care. đ·
Praise god that I live in Canada where basic health care is free.
You pay fir it through your high taxes
@@dorislacaze8475 I pay 15% which I mostly get back because I am considered below the poverty level and my sales tax I mostly get back for the same reason but anything I do pay gladly goes to medical and infrastructure rather then paying an astronomical hospital bill in the states.
@@charlenebrissette3348 thanks for clearing that up now I can be better informed
When I lived in upstate NY. our Canadian neighbors were constantly coming to our area for healthcare because of their problems with the Canadian healthcare system. I'm glad it works for you but like most things...it doesn't work for everyone.
@@janetbusch6517 Yes, I thank God everyday that I have never had a problem.
That health insurance is sooo importantâŠ. Cancer hit me completely out of the blue at 60âŠâŠ no problems at all before then. It would have devastated us financially without itâŠplease, please, please Tessie keep that health insurance up. We want you around a long time sweet lady!!!â€â€â€
Hi Tessie, I like your video itâs good to be careful with your money because you never know what could happen youâre so rightđâ€ïž
I am doing sacrificial giving and I do donate my time once a month when I participate in sandwich making at Church. I am still unemployed and need to be careful with finances, but I learned that when we give to the Lord, the Lord blesses you back.
Great video! Love the way you stay frugal and save. I have been doing the same since I retired. It has been hard because I was used to spending money on frivolous stuff I thought I needed. Now when I shop for groceries or whatever, I ask myself, "Do I really need it". I love living a minimalist life and saving money. It is such a good feeling and makes me feel so much more secure knowing I have money in the bank in case of an emergency. Thanks for sharing this video with us.
Hi Tessie I mailed a card to you today. I will pray that your insurance covers your bills. God Bless!
You and your husband are very wise!
Thank you Sandra I will look for it :)
Sandra !!!!!!!!!!!!! SANDRA THANK YOU !!!!!!!!!!!!!!!!!!!! I a wonderful surprise !!!!!!! You have blessed us immensely
@@HomesteadTessie God is blessing you. I feel so encouraged when I watch your channel. I thank you and your family for encouraging me! I am still praying for you. May God bless you and All of your family!
@@sandrayarnell9498 I was in such tears what you wrote and the beautiful card ! You fulfilled a need! It was a direct blessing to us !!
Wise words Tessie...Bless You!
I think it is very wise how you are budgeting.
Agree yes, the old to teach the young and if we all do share it can only help.
Glad that you are able to do the improvement you wanted to your home!!
Yes, contentment is it!! Thanks for sharing!!
For me: it's a frugal one for sure!!!
Take care and God Bless!!! â€ïžâïžâïžâïžâ€ïž
Good evening Vernie my friend:) Always good to see you:) It is a frugal way to save I do spend way less than I used to keep a fairly tight budget:) Love and Hugs:)
Hey there Owen!! Yes frugal is the way to go!! Good seeing you my friend!! Love and hugs!! Take care and God Bless!!! â€ïžâïžâïžâïžâ€ïž
Your budget may seem extreme to some, but to me it makes perfect sense. What you said about money was so wise: it canNOT buy happiness, but it can ease unhappiness (in a perfect world nobody would go hungry, be cold without a place to call home, or even, for that matter, to feel unloved.) Everyone should have those essentials, and if we have some means to help others attain these things, it's our human obligation. After all that, the truest riches in life are found in the glories of nature, and the warmth of simple daily human connection. You know this Tessie, & I love you for it.
Ask the hospital if they have a charity fund. Here in Oklahoma, If you're low income, the funds are there to help.
Thank you Tessie for sharing your great frugal living, it is very helpful. Thank you for sharing without giving any dollar amounts, I was afraid you were going to tell us in dollar amounts and that is none of our business. I need to be more disciplined like you and your husband. đâ€ïžâźïž
Thank you Tessie, you have a heart of goldđ©đ»âđŠłđ„°đ»
THIS!!! Thank you soooo much for sharing this. I was brought up very similar. You speak the truth †never stop Tessie.
You are so welcome!!
God Bless you Tessie for your wisdom and blessings on all of our lives. Wishing and Praying for only the Best for you and your family
Blessings Tessie! You donât have to tell us your personal life itâs not our business.â€ïž
Yes Jaye but as I shared it helps others :)
Youâre absolutely right Tessieâ€ïž
Paying tithes is just thanking God for all his blessings. It really works. Bless you Tessie.đđđ
Enjoying your channel and your simple ways . I feel very humbled watching your channel . You show how you can live simply and frugally . May God continue to bless you and look after you in these trying times . Greetings from Melbourne Australia .
Please Check with hospital to see if they have a financial assistance program. You often can qualify even with income. The assistance can help cover some if not all the deductible check ASAP as they often have limited time to apply
Yup... I agree with you.... I wish I started when I was younger. My family was not frugal but over the years I learned different frugal tips from the people I met. I am thankful..
You and your husband are very wise! You need much more money in retirement and older age than you do when young, so it's best to save as much as you can while still living a good, full life.
It is also easier to make sacrifices and do without comforts when you are young than when you are older.
Dear Tessie, you are very smart. My hubby and I have gone thru some tough times but are much better now. I will be 61 at the end of this month and hubby turned 74 in July. He is still able to work for the state of AZ which provides health, dental & vision insurance. Also a retirement plan, I have an IRA I set up when I was 25 that we are now able to add more to the account. I think many people take things for granted. I believe frugal is very smart. TFS
I love your way of life. Itâs so inspirational and beautiful. I love your videos! Thank you Tessie. đž
Very good information! Everyoneâs situation is different, but there is not one person that canât improve their spending habits. Iâm glad you talked about this subject. It makes everyone pause for thought- especially since we may soon experience a recurrence of the COVID pandemic. The US economy has drastically changed so everyone needs to get their âfrugal on!â
So wise. I enjoy your peaceful and serene attitude. You always leave me smiling.
Thank you Tessie for all the great tips and sharing your life with us.
Tessie- you are becoming such a good public speaker. Great talk and instruction.
Thank you Michelle !
i loved your house update how wonderful that your u tube money paid for that .continuing prayers for your recovery
This helped a lot Tessie... so many things Iâm trying to figure out. We are a bit older than yâall and now pushing to finish getting out of debt and save. People listen to Tessie! it would be great by the time your 50 to be out of debt except for expenses snd save the rest so you donât have to work forever.. we are living in a society where we are going to have to work into our 70s...
wow I live in Canada and thanks for reminding me just how fortunate we are that most of our hospital and doctor visits are free! Shocking how much your medical bill is thank you for sharing I will pray that you can pay it off with insurance and quickly
So glad your starting to feel better God Bless you
Iâve learned a lot from your life style. Iâm a work in progress. Thank you for sharing your life with me.
Tessie this was such a great video for me. I appreciate all that you have shared. It has gotten me to think about our future and inspired me to consider different ways. đ
You are so welcome
Great frugal life my dear. Iâm learning how to do that now that Iâm retired. Godless my dear.
Yep...I always say I have everything I need. Love this one!
Thank you putting this kind of videos. They help me with our finances. We live on a low income. Thanks for not making me feel so alone
my father always told me save (money ) when your basket is full not when is empty. This week whent to the bank and they wanted to give me a credit card, I smile and said nope i do not nead it (my car , my house where paid cash), my salary pay my bills and I also save. I'm also grateful that here in portugal we have social se security that we pay every month and is for my retirement pension and any medical health problem.
Your a very wise person...I'm trying to budget our money and get out of debt...my husband and I are in our mid 60's and wish we would have saved more for our retirement. We have enough to get by and enough in savings for emergencies. GOD bless
You are very WISE!!! Thank you and God Bless.Jean
Great advice Tessie! Save for the future!
â€ïž I appreciate you!!
You are a great roll model Tessie. Thank you for another great video.