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Really like your videos ladies. But on a bit of a tangent here- those crooks on wall-street eat lobsters on their luxury yachts...and good honest people need to eat less?!!! A lot has gone wrong with America & the West in general.
FYi for your viewers, I live on the Mississippi coast, a 3 br 2 ba apartment 1 mile from the beach is $650. Just using #s so you can see it's fairly cheap here and pleasant most times of the year. Car/van dwelling may be an option as well?
Hi ladies. This is my first time watching you. I live on 740.00 a month. I got on section 8. I live in Ms. I have people look down on me for being on section 8 but I don't care I do what I have to do. You ladies are amazing
My washer just quit, the repair man told me it was going to cost me $346. Dollars to order a new modular , electrical. I looked at what the problem was, prayed over it and used super glue and a small piece of duct tape and bought one O ring,, fixed for the price of the I ring I already had duct tape and super glue. 67 cents. Fixed it
John Stewart Mills said........." I have learned to find happiness by limiting my desires, rather than in trying to satisfy them."........................contentment does not require having more
jim nichols I have concluded that the true meaning of success does not depend on one’s socio-economic status. The true meaning of success is being totally content at any given moment with your life, as it is. That’s why a “poor” person can be successful in his contentment while a “rich” person can be unsuccessful in his discontent. Just a thought. 🇺🇸☦️
Inspirational video! I was living on $250 monthly SSI in 1993 and saved money in a horrible housing project in MA and bought a fixer upper house in Pittsburgh PA for $7,000 and moved myself in a 33 foot uhaul with a front seat full of cats in cages and a bucket of fancy goldfish by my left foot. It can be done! I saved every penny and was very blessed to achieve this miracle. I dont tithe as churches often have too much money. Instead I give $100 monthly to a prison book program tbat sends good books free to prisoners and each book can be read by hundreds of grateful inmates who are often without resources or family. An excellent way to please God!
You are able to afford many pets, rent uhauls, buy a house/repairs & donate $1,200 a year to prisoners? On SS?! HOW? I have less than $100. to live on, per month after paying rent & bills, alone.
@@blacktara3936 You're allowed to make a certain amount of money outside ssi without having to report it to the ssa. So maybe a part-time job, self-employed.
@@jeffrey4505 you have to report everything to SSI. They don't count the first $50. After that they take half the amount made from your SSI check. So say you made $1050/mo. You would lose $500 from that months check.
Most cities have a public library, which provides a wealth of "free" knowledge for learning how to do many things that can help them to live on less money.
I get it!! My husband and I moved from California to Tennessee. Left all my family. We had never been to TN before our move. We stopped crying and did something about it.
I would give anything to relocate to beautiful Tennessee near my family. Health keeping me here for now, but highly advise the opportunity to such a wonderful place! Hope you are settling in. 😊
No one, and I mean NO ONE talks about how they found another job, making the same money (relative to) in another state. I would think that would be the first piece of information.
Excellent point!! I live with a chronic genetic illness for which I went on disability 10 years ago. At the moment I can't work because I'm trying to get my student loan resolved. It is forgiven if one becomes disabled but first my Dr. completed the form wrong, form got bounced back to me, Dr. refused to do it again, now one can just send in the form from SS stating the person is disabled but the form I was sent 10 years ago is a different form...arrrrgggh...but, that aside....I see so many elderly people working at the grocery store to which I go most often, some with physical disabilities (such as a man who lost an arm and bags groceries) who put me to shame when I complain.
True. I have fibro and Polycythemia Vera, which is a rare, incurable cancer of the blood. It takes all my focus to get through each day, even when many of those days are spent in bed until I have to get up to take my only friend and companion out, my old doggy. I do what I can for her and the rest of my energy is spent on doing what I have to for myself.
I have been diagnosed with Chron's and still working 40 to 50 hours. I had sepsis and a major operation this year and was back to work within a month. If there is a will, there is a way.
Growing up in the 50's with Depression-era parents really helped prepare me for now living on a disability-to-retirement fixed income. Mom cooked using recipes from the Depression to feed 5 people..my favorite meal is still meatloaf. She used 1lb of ground beef to line sides and bottom of loaf pan, filled center with bread stuffing, and then topped the loaf. A special treat was brown gravy over your slice. I use her recipe and utilize mini loaf or muffin pans and freeze the extras. Oatmeal, which I hated, was a filling breakfast and I'm grateful that I began to love oatmeal years later. One of the biggest mistakes that liberalizing education (I'm not talking politics here) made was dropping classes like Home Economics. Everyone benefits when they learn basic cooking, sewing - even just hemming pants and replacing buttons, how to handle money and what credit is, etc. Things have become too disposable...I still remember polishing my leather school shoes and church shoes to make them last and look good...until the day he died, my husband refused to buy shoes and work boots that could not be re-soled or re-heeled. We need to look at the small things to save because if we do then the larger things gradually fall into place.
Semantics in our district it’s called “life skills” and as a democratic socialist homeschooler that was a part of our curriculum to empower our children to be independent
omg that meatloaf stuffing dish sounds yummmy...I wonder if these ladies' cookbook has that recipie in it...maybe you should publish your own cookbook if you have other recipies like that!
Hello!I'm like your mom I live on 771.00 a month as well.I'm blind and ride city transportation to and from grocery store&doctor's and take my classes for braille thorough the mail.Your right God is always with me.Thank you.You give until it hurts
I know that when there is fear it is because we don't have the answers. So do your research and find answers that will help you. The best of luck and God Bless !!!
Boy Jill...that advice you mentioned about instead of watching 2 hours of news do some studying and learning!!!!! That is so wise!!! P.S will probably help your health as well, given the news and it's ability to raise ones blood pressure!!!
Great video! I've always been a pretty frugal person but have improved this skill as I've gotten older. It really is amazing what you can do with a little! My mom is also on a fixed income and was concerned about affording food. That is until I took her shopping with me! It was so rewarding to show her just what she could get for $20 a week with a bit of savvy and a trip to Aldi. She has gotten to the point that $45 worth of food will last her for the better part of a month! Thanks for educating the masses on this and keep doing what you do!
I have been practicing living on what I thought would be my social security amount for some time now. Really doable, but I really have had to be creative about most everything.
Its important to remember that moving isnt always an option. However there are ways to live in big citys on a budget. I have ill parents that need care so im not able to move but rent is crazy high here so i bought a cheap mobile home. You just have to get creative
I love mobile homes. You usually have to get out of the city a bit to get one on it's own land, or get in a park that is family or senior friendly. Much cheaper living.
@@yellowbird5411 I would love to do it - but here in Austria/Europe there is so much bureaucracy - it is NOT allowed to live in a mobile home. If you buy land, you have to build a house or do a garden. Mobile homes are only allowed on a Camping ground....... I still have to work, because my pension is Euro 890,-- per month ----- the minimum collateral ---- but I am thinking how I can do it----- that kind of videos give me hope!!!
Mobile homes are a great affordable option. Just make sure you get one that’s safe, and have a checked out before you buy it. In Southern California though, space rents start at about $1100 a month. The mobile home park, up the street from me the rents are $1700 a month, and who knows what they’re paying on their house payments? The hard part is qualifying to live in a mobile home park. You have to show an income of three times The pad rent. Which means you have to show an income of $5100 a month just to qualify. So I don’t know why people call mobile home park residents “trailer trash”, Because it costs a lot of money even if you’re living in a “trailer”!
@@mattikarosenthal3298 I'd rather be trailer trash than a renter. At least I can have a dog and have ability to decorate my home the way I want. Paint the walls purple? No problem!
I was a single mom & I love what you are saying... I worked 2 jobs & did a lot of what you talked about... my daughter watched what I did... when she moved out & went to college she used it... she shopped wise, used coupons & got a degree with no debit, college loans... Thank you for putting the information out there.
My hat is off to you single moms. You all do an incredibly hard job, and many do it well. Way more strength, courage, and determination than I'll ever have.
About 5 years ago, I was extremely ill. I could barely leave the house. For my eldest sons birthday we stayed at our home and cooked outside on the grill. Usually we all went to a restaurant to celebrate. It was so nice, and economical, my toddler grandson could run around freely, my husband wasn’t worried about the cost, we had a wonderful time! We were all together, that was the most important thing! Lesson learned!! ☺️🎂🎈🎁🎉🎊
Amen! So many take money for granted and do unnecessary things with it and don't understand what poor ppl go through, and then boom, something drastic happens and changes their world. Happened to me too. Started having seizures again in adulthood after a period of dormancy and had to leave the medical field. Big eye opener.
10 percent is your tithe and it's on what you earn widows weren't required to tithe when I work i do tithe but I dont off of social security because we already tithes off of that when we worked
Colorsof Avon....yes, I did the same thing & just realized (too late) to do right for myself. All that money I spent on "material things", do you think I have any of it left...NOT A THING! I can hardly stand to buy anything anymore! (sigh of relief)!!!! Now I ask myself all the important questions... 1. do I need it 2. do I have something right now that does the same job 3. where would I put it 4. what can I get rid of for it to replace etc. I don't do garage sales any more!!!!! : ) Judie
When you know better you do better. I had to buy a "Kitchen Safe" it locked my credit cards up for a week at a time and by the end of the week I would look at the sticky notes I stuck on the side listing what I wanted to buy - 7 days later I couldn't even remember why I wanted the items. Took me about 4 months to break the shopping habit for me.
Don't think this way. We all make these mistakes at one time or another. I sometimes have this same problem. I see something I really want and use to buy it ( on credit, of course ) then when the bill came I couldn't believe I had spent so much. So I paid it all off and rarely use my credit card any more. If I see something I want I have learned to quiz myself, 1st. I ask myself " Self do you really need this ?" 2nd. Will you use it a lot or just once in a great while ? 3rd. Can you afford it if you didn't have a credit card ? And I would really pay attention to these answers . 9 out of 10 I don't buy it. We as Americans tend to buy more stuff than we need or use, or even have room in our houses for ( as to where to store them) . Thanks for sharing. Best of luck.
To save money I ditched satellite tv. Now an indoor antennae gives me many stations and I enjoy movies and tv series FREE from our local library. Also, Metro PCS is $30 a month and I got a FREE smart phone. No need for a landline phone.
Been shopping at these since I was 16 years old now I'm 40+ still love them you find expensive stuff people rarely use you never pay full price they did.
We just moved from our hometown, where we could never buy a house, to a mountain town 168 miles away. We bought a house and it costs us $250 less than our rental at home. We’ve been living on a fixed income for six years now and we got tired of struggling. Live has gotten so much better! Sandy Miller
I love the way you hold individuals accountable for their own circumstances. If your housing is too much move. If groceries cost too much change what you're eating. I love it. Our Society is one big excuse and a collective whine about inequality.
Tithing with an income of $750 per month. You have given me a lot to think about. There is another person on You Tube speaking about living on social security. She is playing the “ feel sorry for me” game. You are a true inspiration. My mother who is 89 lives on social security and saves money every month.
The two things I love most about your videos: 1. You don't just talk about theory. You give concrete ways to live on less. 2. Your ideas work for people who are middle or lower class, not just higher income earners. Many speakers and authors talk about the "Latte factor", but honestly, for those of us who are middle class or lower, it's not the latte factor that sets us back, well for us it wasn't anyways/we don't eat out much and definitely don't buy coffee... My goodness, if you can lower your big expenses like housing, food, transportation, those are concrete ways to feel empowered. Just learning to reduce meat consumption and eat cheaper sources of protein is a HUGE change in budget, but most speakers don't share those details as you guys have. You guys are EXTREMELY helpful and are helping a broad range of people. Please continue. :) Ryan and I felt so discouraged years ago when our income was lower and we'd listen to speakers talk about cutting things that we weren't consuming anyways. You guys talk about things that even those who are already frugal can cut. Our personal story is that our income is now better, but I still love listening to your ideas bc I want to be the best steward I can and bc I want us to focus our spending on what really matters to us in the long run. Thank you both!
Your tax dollars have paid for food stamps, heat and Medicaid for when/if you need them. It’s called the working poor who have multiple jobs and still can’t meet their basic needs because of stagnant wages.
My grandad, Dad, Grandma, and me, all paid into Social Security. I have been looked after by the government quite well after I was disabled. But I wonder how long it will be there? And now my 2 kids are paying into it. I do not feel guilty about it, because I would have worked if I was not disabled and made a heck of a lot more.
I agree people should move if they can’t afford to live somewhere. I live in northwest Arkansas and love it. It can be expensive here also but not like many parts of the country. People are pretty much the same everywhere and you can make friends and find free entertainment. I also think that as you get older you want less “things”. I go to the library and outdoor concerts and have an indoor tv antenna. Churches have lots of activities also. I live a very full life on my social security-which by the way, we earned. Thanks ladies.
I disagree... it is not a good idea to leave your family and support system. My family has done this and I don’t have relationships with most of my extended family.
OfftoShambala I’m sorry that happened to you. Sometimes people do not have a choice but move away to a more affordable area or state. If you can’t live on your income, is it right to expect your family to pay your way? I’m sure most couldn’t unless they are well off. When it was time for my husband to retire, and he had to due to health reasons, we had no choice but to move away from our children to another state. We lived in NJ in a 900 sq ft house on a 50 x 100 ft lot and our mortgage was $1,100/mo and our property taxes were $6,000/yr, yes a year. There was absolutely no way that we would be able to survive on $1,800/mo there where everything is outrageously expensive and you’re taxed through death, yes, you’re family has to pay death taxes when you pass away. We had to make the hard choice to move away from our adult children and grandchildren so that we could survive. They certainly couldn’t supplement our income nor would we expect them to. We sold our home and moved to NC where we didn’t know a single soul and bought a house double that size with 7 acres, outright, and no longer have a mortgage and our property taxes are only $1,400/yr and now we live on $800/mo and save the difference. Everything is cheaper here and the people are wonderful and we quickly made terrific friends some of which we call family. Thank goodness for technology because we video chat with our children and grandchildren 1 to 2 times a week plus text daily and we drive up 8-1/2 hrs every 1-1/2 months to visit for several days. People can still have relationships with family if they really try or want to. It can be an effort because people get busy and caught up in their own world and problems, but it is doable if someone really wants to make it work. I know because my husband has family NJ and I have family in other states that don’t have a relationship with us, not that there is any bad blood between us, but they just don’t want to make the effort. That’s ok because that’s on them.
Talk about move. When I realized my SS will not cover the utilities on the house - I cashed in my 401K and moved to Hungary. Safe, inexpensive, beautiful and I live stress free, well within my SS.
OfftoShambala you do what you have to do. Sorry you don’t have a relationship with your family however if it means living, you have to do what’s best for you not for extended family
Thank you for sharing your experiences. They’re so real and practical. I do have to disagree about us social security folks needing to cook smaller quantity. I make huge batches and then put them in single serving containers and freeze them. This way I don’t need to cook as often and devote my time to better things to do like volunteering or creative work. Also, I save gas/electric energy by batch cooking.
But I think most people don't do that so I think that's what their getting at. Good for you figuring out what works best for you because most people just can't get the concept of what you do. I know it's crazy but we have truly lost the ability for people to figure out comin sence. It's just all in the devils plan so that's one reason it's so hard for people to seethe easy things. Distract with shiny objects 🤔
I do that, too. I'll assume, you are a good cook, too. I sure don't mind eating a number of my creative dishes again, and again. But, I know many folks who cringe, "I won't eat left-overs"
I’m cutting cable. Streaming services I don’t use, groceries, beauty products. My challenge is use up the products I have then only buy what I need. When my son moves out, there’s even more savings. Then I’m downsizing! You two are so inspirational. Both so thrifty and smart with your money.
Please forgive the long comment, everyone, but I have to share this testimony- right now, I’m working a waitressing job that extends into some late hours (I have 8am college classes every Monday through Thursday and work as a nanny Monday through Friday 1-4). Whenever I have to close the restaurant, which has been a lot lately, I tend to get fairly cranky, and complain a lot. I have applied to other jobs, and dreaded going to work. While I know it isn’t right, and I try not to be bitter as well as I can- it’s a hard thing some days. Last night, though, God gave me an attitude adjustment! I went in around 5:10 PM and clocked in for my 5:15 shift. Another waitress grabbed me and said “Oh Regan, I’m so glad you’re here. Everybody, we’ll be okay, she came in!” The other waitstaff had all called in sick or didn’t bother to show up. If I had done the same, or come with a bad attitude... the other server would have lost her marbles, no doubt. I don’t say that because I’m the best waitress in the world- I’m definitely not, haha, but that much work by yourself is truly impossible. It was only she and I plus other staff until 11 PM when we finished up closing. It was difficult, but God helped us by giving me a burst of energy (it might have been Him giving me adrenaline from panic, lol), by placing our helpful and kind manager there last night, and by softening the hearts of customers. I tend to lose heart if I don’t make at least minimum wage in tip money- last night, a weeknight (it is rare to make much money at all serving on weekdays/weeknights) I brought home $120. It was the blessing I didn’t deserve, but am so grateful for. The job has brought my husband and I closer together by putting us in a closer to debt free situation, a better dedication to each other, and a more full relationship with the Lord as a couple. He is praised often and with enthusiasm in my home for the grace, mercy, and love that He brings to me daily! ❤️ If you think your financial situation is tough, friends, be grateful because there’s people who have it worse. More than that, however, we serve a mighty God-He has plans to make a hope and a future for us!
Amen, sister. I used to live wrong, be in debt, did not know how to handle $$, was not content or joyful. Now, I am out of debt, know how to manage my $$, am living right & I have PEACE!! how, you say? JESUS...He is my rock. He is my redeemer. He is my ever present help in time of need. It's sooo easy to rely on God & God alone. Keep on fighting the good fight.
Oh Dear, $120 in tips on a weekday night shift is an amount you worked hard for and earned, and so richly deserve. I tip like an idiot as a way of expressing my gratitude to the universe for allowing me to discover my welding bone and get the hell out of the food & beverage industry once & for all. Many blessings to you!
"Ruffling feathers" love it. You ladies are telling it like it is. I loved when she talked about moving. My hometown is not the cheapest place, but not really expensive either. It is becoming more so as Indy pushes northward. I have inherited a small bungalow, 950 sq. ft. It needs structural repairs. I am using money inherited to fix those. Am I thrilled with this 100 year old house! Yes! Because it will give me financial freedom and the ability to live where I want. Have I made lots of spending errors that I am now "suffering" to correct. Yep. You girls give great advice. It comes down to personal responsibilty. We are responsible for our own financial decisions. Bravo to you both!!!
Barbara Thomas we did that too. We paid off our Texas house in 5 years, rented it out while we were in California earning a good salary. We sold our house there and are now retired here in Texas. We definitely didn’t keep up with the Joneses - lived under our means.
And us Texans are moving to Arkansas because TX is too expensive for us! Property taxes were $4,000 in TX for the same size house I now pay $500 for....
How do you move to a new state that is cheaper if you don't have a job there? Who will rent to you? If you don't have enough money to pay for several months for a hotel to stay in while you are looking for a job, how do you move?
Most places will let u move in without a job, if you can pay 3 months in advance. But that is a lot, so understandably not easy, but it may not be the easiest to find the best job, but find something, even Walmart or amazon, just so you have something, but I would still try to have at least 2 or 3 months of bill money saved, or at least 2 months of food, 2 months of rent, and the deposit money to start utilities. It may be scary, but it will work if you have to do it to make life better.
@Chris P. THIS is exactly what I wondered. Why aren't they lining up a new job through the internet? A lot of employers will interview by phone or online. One could even set up interviews before they move. I can't understand people leaving their jobs and just showing up somewhere else. You'd pick a location based on where there are jobs in your profession or field.
aw, geez...I just love you guys! I raised 3 children on my own without a dime of child support. how refreshing it is to hear someone say what I've been thinking. good stuff!
I did the same Actually, the Department of Child Services in Arkansas charged ME each month to collect zero dollars. Just to show you crazy things can and DO happen. God has been so good to me. God is good, ALL OF THE TIME. When you look back, the dots DO connect. They rarely do in the moment.
If have to keep it in mind that some people have family members who don't want to help them and may in fact get a kick out of feeling superior those family members in need. Unfortunately this is a reality sometimes that your worst enemies are your family members.
Absolutely right, some members of your family actually almost laugh at you when the xxxx hits the fan for you. But it's different when it happens to them.
I also have a family member who is on disability, but she refused any help I can give her... which was to move in with me, combine resources. I can't help her if she couldn't make the sacrifice in return. And no longer can send her $$$. But instead I got called a bitch, for offering. Her comment was she did not want to leave her friends. So I told her that her friends can help her. Right or wrong?
I believe that we can live "on a dime" and eat healthy, too. We can eat Greens, Beans, Onions, Mushrooms, Berries, and Seeds, and if we cook them right, we can be both healthy and live within our means. I don't eat out, but what I eat at home is both healthy and inexpensive, because, like you, I look for sales. I do my own house projects, instead of hiring. I don't go on vacations, but take time to go for a walk or a hike.
This is great video. When I was younger my husband and I packed up everything we owned and moved out to N.C. on a Trailways bus. The best thing I ever did. We didn't have jobs there or a place to live. We had to hustle to accomplish both of those things. He went to school out there we bought a house and had a baby girl. When you work hard and have goals you can accomplish anything.
When you have two people who are both pulling in the same direction, you really can do just about anything. My mother and I lived together for many years, and there was nothing the two of us couldn't accomplish together. I'm happy for you.
Ladies, thank you for talking about giving to the Lord. I do this without even expecting anything and then out of the blue things come to me that makes me in Aww. We have our home paid for and yes it sure helps us to live a better life. Seek the first the kingdom of heaven and all other things will be added on to you.
My husband and I were retiring so we moved to Nevada from Oregon. In Oregon our property taxes were $433 a month, but went up to $516 a month. Nevada our property taxes are $200 a month. We also eat one meal a day. You just make it work. We did just like you did and saved every penny. We will be just fine in retirement.
Please don’t say everyone lacks integrity. I know you corrected this later, but it’s offensive. 10+ years ago, I had two strokes and am disabled and in severe pain as a result, yet I’ve continue to work full time and pay my own bills. That said, I am getting older now (late 50s) and am considering going on disability because work wears me out so much that I am having difficulty taking care of myself and my daily needs. Anyway, thanks for this vlog. It was very helpful overall.
That's a good reminder Rhonda. I've made myself into a victim before. I'm trying everything I can to get rid of everything I just keep praying God will give me more energy and help me handle the pain. I need prayers for someone to come and help me get rid of stuff I believe he will. Help me we could refinance our house and consolidate our credit cards which my hubby bring up without telling me for reasons I won't disclose here but anyway they're there 30000 and we can't make payments plus $1,400 mortgage on Social Security. In the times I'm have energy I'm trying to find someone to consolidate our bills then as soon as I can get rid of everything we can move and we'll have enough money to build a tiny house and be debt-free. This is my goal right now it seems impossible when there are days I can't even get out of bed but I know nothing is impossible with God. I would help anyone and I did when I was younger but now that I need help my family is just not there God bless them they have their lives honestly I don't know how I'm going to get out of this mess I'm not being a victim when I say I can't do it myself I keep trying I'm getting you something done but fatigue kicks in and then I sleep 3 days feel terrible looking at all this stuff I want to get out be debt-free God I wish I had never got credit cards we're going to food banks and going without whatever we can. when I look around this house I think how silly it was to buy a big house we don't need it and I can't keep it up. I don't even want to. I pray that someone will refi us but they see our c.f. debt and say forget it.if when we can get rid of this house and get out of here. We can have freedom. I'm almost 65 and I don't want to spend the rest of my life cleaning house. I want to spend it with my husband and my family.. I don't need much I don't even mind living in a tent I just want to get rid of this stuff .I give away what I can. I do need help. Phyically. any advice would be great.
@@kiddor909gmail The amount of your debt and the limited income you have indicates you cannot pay it off, ever. I would suggest two things: Consult with a bankruptcy lawyer and see if you can file. I have a friend who just did that, and he flushed $20,000 out of his life. If you don't have another property, or money assets somewhere, you should be eligible. Filing bankruptcy doesn't cost an arm and a leg, but you may have to work out a deal with your attorney to pay in increments, unless a family member can help you. I think my friend paid $1,200 for it. The second thing I would do is sell the house. It is too much for you. You can sell it as is. Meaning that you can just leave all the stuff you don't want in it, small, big, whatever, and usually the real estate agent will call a local second hand store or antique shop or both, and have them come and pay cash for the belongings. Since you are sick, you need someone to help you do this. If you can, hire someone from your area to come and help you, or even take over for you. You could also exchange rent for assistance. Run an ad to sell what you can online under Craigslist or Neighborhood. They are free, and with that money you can pay your assistant if you can't find someone to live in for a few months. Have that arrangement up front, so there are no surprises. Call your local Area Agency for the Aging (also deals with disabled) and see if you can get someone at no charge. I think the stress of what you are going through is affecting your health. Make sure that you are seeing a doctor and not overlooking what may be going on. Best to you.
Your mortgage payment is about the same as mine, so I can approximate what you paid for your house. I didn’t see if you mentioned how long you’ve lived there, but if it’s a few years (or better, a lot of years), you probably have enough equity in your house to sell it and make a profit. After selling, get a small, cheap house or condo or rent.
Sell the house. If you’re sick it’s not a good idea to have the additional stress of trying to build a house. If you’re needing so much to do everything for you it’s totally insane to want to build a house. Sell the house you can’t afford & move into an apartment or buy a small less expensive condo. You don’t need space for “the kids” to stay when they come to visit once or twice a year (if you have kids). Sell stuff on Facebook market. We have done that. I bought a two bedroom condo because I didn’t want to house poor. Just because some realtor or mortgage company told you that you can “afford” something doesn’t mean you have buy it. You have a chance to be an “overcomes” instead of a “victim”.
Thank you for talking about tithing. I have $10 or less left each month for gas, meds, etc. I have had people say ," keep the tithes. God knows you need it !!! " . Everything I have belongs to God. He only asks for 10% which I gladly give. I never go without. I had $1 left this month ( my income is about the same as Jills ). Before the week was out, I was blessed with a donation of money to get me through the month PLUS I was taken out to eat and someone bought me some books ( I love to read ). God is good !!!!!! I love to hear your stories Jill. I have lived , still living basically the same way you do Preach it Tawra !!!!!
Just so you understand something very important. God does not ask for 10% of your money. Your church does. That's a whole different entity. God doesn't need money for anything at all. He does what He does and is what He is, with or without a brick and mortar church. I hope your church is using your money to feed and clothe the poor, and not for a million dollar spire or a basketball court, or in some case, a new jet.
@@diannew6066 Titheing is not just money given to a brick and mortar church. It's also money given to the Salvation Army, St. Jude, Samaritan's Purse, etc., or your neighbor who is having a hard time. "God's work, our hands."
I'm beside myself, that for the first time next week, I need to go to a food pantry...just never saw me to ever need to...I don't drive, so no car or insurance, but $675/mo rent out of ssdi just doesn't leave enough for food...so God Bless those who can help others like I used to
I think some people’s mistake is they save after they budget all their expenses, if they have something left after they pay all their bills then save it. I pay my mortgage first then I save a certain amount of my income. Then after that I budget everything else from what’s left. Save first!!
I have to tell you I just watched this and was giggling when you talked about the Waltons, while the show was fiction, the family was not. IT is their true story. One of my son's friends is the granddaughter of the Walton's, we have the privilege of hearing first hand the life they lived and how hard it was but filled with so many blessings.
I love this...I agree many people play the blame game...You make your choices, I have also moved, negotiated rent prices, dropped non-essentials, readjusted budgets, re-vamped left-overs.. there is many ways to cut costs find what works for you.
I have friends who really struggle financially....and they are very careful with their spending. Having no income is the worst situation, but if you have some income, there is usually some sort of viable option. Some areas of the country are completely ridiculous, as where I live, and I would move immediately if my income changed significantly. I wanted to mention that tithing is not a salvation requirement, but from the heart, and your family comes first. "But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever." 1 Timothy 5:8. Blessings ladies, and thank you for your ideas!
Yesterday I finally hit the jackpot at the thrift store as you suggested in earlier videos.I stuck to my shopping list and purchased a bread maker and a popcorn maker. Both items are virtually new at a total cost for both items, $23.98 plus tax. Retail cost for both was $190.00 plus tax. Now I can easily make my own gluten free bread, rolls and pasta and freshly popped (non GMO) popcorn.
I've made my own bread every week for 49 years. My bread maker is my hands, still. I pop my popcorn in a pan. I'd pass on both of those 'finds' and save the $23.98 plus tax.
I’m only 43 and have RA. I was sitting here feeling sorry for myself and now I’m making plans to get more prepared for the future. Love your videos. Phew!
This is really good. I've lived (with my youngest daughter, who is mentally handicapped) on as little as $350/month; we both also have auto-immune diseases (she has lupus; I have probably got fibromyalgia, plus several others). When this comes up on internet forums, there are always people who angrily insist "You CAN'T do that!" Well, sorry, but you can! As you have said, being debt-free is critical; being frugal is critical; being willing to move to less expensive areas is critical; being willing to 'lower' your standard of living is critical (*attitude* has a whole lot to do with whether your standard of living is acceptable to you or not). I'm going to share this video with several people.
Wow preach it ladies. You are amazing! I am so sick of hearing people complaining about going hungry. With all the help available there is no excuse and I'm talking to myself. Thank you!
well I get free meat by making deer jerky for people, I grow squash for a year, and eat it twice a week, along with green beans, tomatoes, rhubarb, swiss chard we freeze. we shop at a discount amish store, where I can get healthy bars for 2.50 a whole 1 gallon zip lock bag of them. I work at a motel, where I walk up to check people in and can use the laundry room for free, everything is provided by the motel, lawnmower, gas and oil, weed trimmer, and pickup and trailer. I use the motel snow truck and shovels. We have endless amount of friends with a bible church across the street, we sing at the local nursing home and celebrate birthdays every month. Free internet also.
AMEN! God is our provider & He wants us to use good sense wisdom in the way we live ! I also tithe & I get excited because God blesses my giving ! ❤ This is my first time seeing your videos & now I am a subscriber! Enjoying them & the great information you are giving! God bless you both. ❤
I've live alone and I've found that investing in the occasional roast will give me some extra meals. I have freezer containers that I portion various veggies etc. No waste. Good meals.
The roast also does not have the salt that cold cuts have. Also I live alone and buy a roast or chicken just big enough to put in my crock pot. EASY PEASY! There are a lot of crock pot meals online, and you can freeze them for later.
Long time ago I had a lady friend from Tennessee, and She told me was from a very poor town, and at that time She thought everybody was poor and was normal, but when She moved to South Florida was surprised to see the huge difference, and decided to work two shifts to save enough money, and go back to her town and build a nice house. Believe me After five years, she went back, build the house send me some pictures and I felt real happy for Her.
My sons every time I have offered to take them out to celebrate a birthday or a event they always want me to cook for them simple things like mash potatos, tuna casserole ect. all children want is our time at any age!!!! Great advice!!!!
You are very lucky that you have sons that know the value of home cooking. You must have taught them right. Thanks for sharing. More kids should value this more.
I am a woman of faith, I'm in my 60s, single. I current live with my son. While living alone, however, I had to be real careful with spending. I give credit to God for the peace I have to live without or with very little. I love foreign cuisine, but can't afford the price of restaurants. So I've learned to fix my favorite foreign cuisines from my own kitchen. Even Beef Burgandy, a cheap red wine for 3 bucks. I make everything from scratch. But finding peace and happiness and doing with less, etc, is the biggest task. You can't watch a commercial without them "wooing" us, and telling we'd have better friends and admiration from coworkers to have all these things. As for tithing, its between you and God what you do. I tithe from other resources besides putting my widow's mite into the collection plate. Tithing my time, putting $5 bucks in the Red Kettles at Christmas time, etc. When I had a car, I even gave other folks rides to the store, or a doctor appointment....without complaint. I also applied for a food card from the state, that gave me a little extra month towards my grocery budget. I applied for the local ride program, depending on your income you might pay nothing to schedule a ride somewhere. And where I lived before living with my son, we had a great food pantry place. It was church run, and they had lots and lots of food. And that contributed towards my grocery budget. I would get all my produce that I love to eat from the pantry, saving me $15 bucks or more from the store! Day old bread.......no problem. I made grilled sandwiches from it, or made french toast. And in the summer time, local gardners gave produce to the pantry. I would go in on the last day of the week they were open, and ask for all the produce that would spoil before the following Monday. I'd take that home with me and can it. I also cut the cable. And just kept the internet to stream tv. $50 bucks for SlingTV and $39 for internet.....and when I had cable without movie channels, I was forking over $270 a month. So we can do it, just takes being a tightwad.
We do Christmas much the same. We call it Merry Thriftmas! All gifts have to be from thrift store, recycled, hand made, curb alerts, from the back of the closet, etc. So much less stress and fun!
Ive enjoyed this channel so much. I guess this was a live of some sort & you were answering question, which I missed. Thanks to you both for speaking genuinely & carefree. I honestly felt like you were having a 1 on 1 conversation. Thanks so much!. Im a 42 yr old single mom of 3 & need all the tricks on budgetting I can get. I was listen to older people's advice. Again thanks so much, God bless you all.
I was so thankful we paid of our house plus 3 rental houses. We have no car payments and no credit cards I am 64 and my husband is 70. We adopted our grandchildren. 15, 14, 10, 8, 5. We eat at home. I shop at thrift stores for all of our clothing. Just think what would have happened if we weren't debit free.
Here in NY utilities are not part of the rent. The rent here is constantly rising, and the waiting lists to get into an income based apartment are all years long. I have looked into moving to another state but the rent I can afford are in areas that require a car which I don’t have. Also consider that some people are on disability due to mental health issues, and cannot just pick up and move away from their network of family/support/doctors. Drastic changes to their lives can be detrimental to their health situation. Not everyone has the capacity to ‘suck it up’ and make huge changes to their lives so easily. There’s a fine line between tough talk and being insensitive. We are all on disability for different reasons.
Sorry, and I have been where you are. 1 box of kraft Mac and Cheese and a can of tuna to last 2 days. As an RN, I know they are not excuses for everyone. If you ate right, you might NOT be sick anymore. I have Rheumatoid arthritis, DM, hashimotos, and autoimmune blepharitis and would rather spend more on whole food and pasture raised to feel better. If you are truly Christian, DON'T JUDGE. I agree w your stance on integrity. Everyone on SS isn't poor if you have had a decent job all your life. Homesteading cures much of this-urban if necessary. Grow your own. Raise chickens and rabbits if you can. Many of your suggestions are great, but we all don't have the same needs. Values are so important.
Enjoyed this video emincely, you ladies gave me so much to think about and encouraged me greatly. Very timely video for me because I'm trying to figure out how to save and get out of debt. First time watching and I just subscribed and can't wait to see more of you two. Thank you and God bless you and your whole family!
Tawra...I use the Walton's and Little House often for character training too. It's smart. I remember that episode well and it makes me cry every time. I just love you ladies, and yes...dignity is SO important. Pa Ingalls and his "cash on the barrel"♥
Some places have really awful tap water but you can usually find a Brita water pitcher at thrift stores if you keep looking. In fact, you can eventually find anything at thrift stores eventually. I found my son a trombone for school at a Goodwill for $50. I haven't bought retail clothing in decades.
So thankful you are back! I am in the same season of life as you, Jill! I always watch for your videos!!! Would love to hear about how you handle medical issues, eat healthy on a low income and buy gifts for others. God bless you!
I once lived on $245 a month with 2 kids. No one expected a Christmas present from me but what I ended up giving them turned out to be everyone's favorite present that year, and what they ended up wanting me to give them every year there after. I hollowed out all the eggs I bought that year and I painted the eggs and turned them into Christmas ornaments (I got the paints, the paint brushes and some ribbon at a garage sale, ridiculously cheap, and the egg shells were basically free since we ate the eggs and the shells were something that would normally have ended up in the trash).
Absolutely. I have lived your life I am 81 years old now, everyone is healthy and happy and well employed and we love it and live on And I move on. Right now my priority is to get rid of a car payment rather than get a washing machine (mine.broke).
A person can dehydrate fish and vegetables for the future, buy a cheap house, so you have no rent and leave that money for medical expenses, pay bills a decade in advance.
I do this every month for two of us, by the time my Lot rent and utilities are paid. I have less than $200 for food and other needs. While living in Michigan, not a cheep state. Oh and I Dont have a car either.
I'm retired in Phila, PA and live on SS. Sold my home and bought a condo - $300 a month Fee. I shop at thrift stores for clothing, etc. I cook at home and eat basically Paleo Diet - Fruits, Vegetables, Meat, nuts, no 'prepared food'. No cable TV, good old time Rabbit ears. Have computer and am online. I sew, crochet, read and in Summer the complex has a 70' pool. Have a paid for car . I have money left over at the end of the month usually. Life is good.
RE: medical expenses on SS: After Medicare, for the remaining 20%, many hospitals around here have 'Charity Care' that picks up the slack, but you have to ask for it.
My mom lived really frugal all her life years before she passed I have her one of the cookbooks from ur family. And she always commented that she was able to save even more from the cookbook. And her friends all got together and looked on your website as well. And between the two. Mom and her friends had a better fulfilled life. Still being frugal but able to save more
My mother always told us that God helps those who help themselves. When the going gets tough, you don't sit around and complain, you cut back, get that second job, etc. My father died suddenly when I was a child and my mom was a stay-at-home mom. If it wasn't for her faith and her frugality, we could not have survived. I could not agree more with you ladies. Love your shows together!!
Jill...I wish you could do a tutorial on exactly how you keep your utility bill so low. Loved it when you gave the dishwashing tutorial and think of it each time I wash dishes.
I firmly believe in self reliance on everything we can realistically control...health care is not one of them! We can choose where we live, we raised 5 kids in a $36,000 house with one bathroom. We still live here and our grown children would be devastated if we sold it. We shared one vehicle for many years...I made very frugal meals....my children earned things and were not "entitled" to anything (except love). But what we can not control is our health or healthcare costs. I can't bargain shop when there is only one local hospital or choose when my kids got sick. I have a rare life threatening hereditary disease (so does my daughter) our medication is $50,000 a month. We relied on state government assistance for our secondary insurance and I don't regret it for a second!!
Curious- did all that frugal living net you a wonderful retirement....money in the bank...travel? We need to enjoy like when we're young because we don't know what is ahead. We have ills & health costs too :(
May I ask your disease? I have porphyria. Cannot be in the sun, no alcohol, cannot have most drugs. Have no friends, family is dysfunctional, so am on my own.
I am so very excited to come across your video and I now am a NEW subscriber! ❤️ I, too, am a disabled woman from FMS & CFS, for about 22 years. I am in awe about your story and anxious to learn as much as I can! I need help on learning to live on a fixed income from Social Security, as does many of your other viewers, and feel some stress relief. Please keep putting out your videos, so people can live with less stress and be happy whatever the income situation! Much love to you both💕
Been trying for over 3 years to get disability ...I live on $197 a month (ABD) and the same in food stamps. All I can say is if/when SSDI kicks in the back pay will allow me to get my own place, garden, etc...
My friend developed disabling arthritis while in her forties. She fought for disability for a couple of years. When she finally got approved she paid cash for a small mobile home. Almost 20 years later she's still in that home.
@@ccrbonline1752 My dad has arthritis, a heart condition, diabetes, and gout, and he works full time. It's hard but he does it, and he is very tired from that. I think some people just want to use whatever excuse to not work and live off of us who do.
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Really like your videos ladies. But on a bit of a tangent here- those crooks on wall-street eat lobsters on their luxury yachts...and good honest people need to eat less?!!! A lot has gone wrong with America & the West in general.
FYi for your viewers, I live on the Mississippi coast, a 3 br 2 ba apartment 1 mile from the beach is $650. Just using #s so you can see it's fairly cheap here and pleasant most times of the year. Car/van dwelling may be an option as well?
Hi ladies. This is my first time watching you. I live on 740.00 a month. I got on section 8. I live in Ms. I have people look down on me for being on section 8 but I don't care I do what I have to do. You ladies are amazing
Kathryn Justic
Thank I just started watching your show and first thing I am going to do is start titheing
My washer just quit, the repair man told me it was going to cost me $346. Dollars to order a new modular , electrical. I looked at what the problem was, prayed over it and used super glue and a small piece of duct tape and bought one O ring,, fixed for the price of the I ring I already had duct tape and super glue. 67 cents. Fixed it
awesome.
I go to you tube and look up how to fix, makes you feel great when you fix it yourself
Hilarious! Good for you!!!!
My husband fixed an electrical bra on my dodge caravan. They wanted over a 1000,00 to fix it, he fixed for 75 cents.
You rock!
John Stewart Mills said........." I have learned to find happiness by limiting my desires, rather than in trying to satisfy them."........................contentment does not require having more
The apostle Paul said the same thing 'be content with what you have' simple rule to live by.
jim nichols
I have concluded that the true meaning of success does not depend on one’s socio-economic status.
The true meaning of success is being totally content at any given moment with your life, as it is.
That’s why a “poor” person can be successful in his contentment while a “rich” person can be unsuccessful in his discontent.
Just a thought.
🇺🇸☦️
I think what you just described is learning the difference between "wants" and "needs".
Very true🐒!
So true!
Inspirational video! I was living on $250 monthly SSI in 1993 and saved money in a horrible housing project in MA and bought a fixer upper house in Pittsburgh PA for $7,000 and moved myself in a 33 foot uhaul with a front seat full of cats in cages and a bucket of fancy goldfish by my left foot. It can be done! I saved every penny and was very blessed to achieve this miracle. I dont tithe as churches often have too much money. Instead I give $100 monthly to a prison book program tbat sends good books free to prisoners and each book can be read by hundreds of grateful inmates who are often without resources or family. An excellent way to please God!
You are able to afford many pets, rent uhauls, buy a house/repairs & donate $1,200 a year to prisoners? On SS?! HOW?
I have less than $100. to live on, per month after paying rent & bills, alone.
@@blacktara3936 You're allowed to make a certain amount of money outside ssi without having to report it to the ssa. So maybe a part-time job, self-employed.
@@andreawisner7358 how much is one allowed to make without reporting?
@@jeffrey4505 you have to report everything to SSI. They don't count the first $50. After that they take half the amount made from your SSI check.
So say you made $1050/mo. You would lose $500 from that months check.
Having your home paid for by the time you're in your 60's goes a long way towards living on a low income.
Smartest thing I ever did...a little extra each payment , and before you know it...
Yup! Then you get the bill for School taxes. Yikes!!!!
We had to give up our house when my husband became ill. Lost everything.
@@Jennifr1966 So sorry, God Bless You. I have been homeless for a few years now.
Makes a big difference
Most cities have a public library, which provides a wealth of "free" knowledge for learning how to do many things that can help them to live on less money.
Having money in the bank feels better than anything I could buy. I remind myself of this before making ANY purchase.
I get it!! My husband and I moved from California to Tennessee. Left all my family. We had never been to TN before our move. We stopped crying and did something about it.
I would give anything to relocate to beautiful Tennessee near my family. Health keeping me here for now, but highly advise the opportunity to such a wonderful place! Hope you are settling in. 😊
No one, and I mean NO ONE talks about how they found another job, making the same money (relative to) in another state. I would think that would be the first piece of information.
The government is the enemy
Buying from thrift stores IS recycling.
Those of us living with chronic illness (fm & cfs) learn to concentrate on what we can do, not what we can't do if we want to survive
Excellent point!! I live with a chronic genetic illness for which I went on disability 10 years ago. At the moment I can't work because I'm trying to get my student loan resolved. It is forgiven if one becomes disabled but first my Dr. completed the form wrong, form got bounced back to me, Dr. refused to do it again, now one can just send in the form from SS stating the person is disabled but the form I was sent 10 years ago is a different form...arrrrgggh...but, that aside....I see so many elderly people working at the grocery store to which I go most often, some with physical disabilities (such as a man who lost an arm and bags groceries) who put me to shame when I complain.
Norma Raynor I have Fibromyalgia,chronic fatigue,IBS,and I’ve just been diagnosed with adrenal insufficiency but I do what I can to save money.
True. I have fibro and Polycythemia Vera, which is a rare, incurable cancer of the blood. It takes all my focus to get through each day, even when many of those days are spent in bed until I have to get up to take my only friend and companion out, my old doggy. I do what I can for her and the rest of my energy is spent on doing what I have to for myself.
I have been diagnosed with Chron's and still working 40 to 50 hours. I had sepsis and a major operation this year and was back to work within a month. If there is a will, there is a way.
@@rae1957tn Same health issues.
Growing up in the 50's with Depression-era parents really helped prepare me for now living on a disability-to-retirement fixed income. Mom cooked using recipes from the Depression to feed 5 people..my favorite meal is still meatloaf. She used 1lb of ground beef to line sides and bottom of loaf pan, filled center with bread stuffing, and then topped the loaf. A special treat was brown gravy over your slice. I use her recipe and utilize mini loaf or muffin pans and freeze the extras. Oatmeal, which I hated, was a filling breakfast and I'm grateful that I began to love oatmeal years later. One of the biggest mistakes that liberalizing education (I'm not talking politics here) made was dropping classes like Home Economics. Everyone benefits when they learn basic cooking, sewing - even just hemming pants and replacing buttons, how to handle money and what credit is, etc. Things have become too disposable...I still remember polishing my leather school shoes and church shoes to make them last and look good...until the day he died, my husband refused to buy shoes and work boots that could not be re-soled or re-heeled. We need to look at the small things to save because if we do then the larger things gradually fall into place.
Yes I agree! Life skills need to taught in our schools.
Semantics in our district it’s called “life skills” and as a democratic socialist homeschooler that was a part of our curriculum to empower our children to be independent
Yea!!
My parents were the same. My mother said, money doesn't grow on trees.
omg that meatloaf stuffing dish sounds yummmy...I wonder if these ladies' cookbook has that recipie in it...maybe you should publish your own cookbook if you have other recipies like that!
Hello!I'm like your mom I live on 771.00 a month as well.I'm blind and ride city transportation to and from grocery store&doctor's and take my classes for braille thorough the mail.Your right God is always with me.Thank you.You give until it hurts
GOD DOES PROVIDE :)
I am blind, too.
Amen
@@conniemurphyover70stillgla47 Amen
Chinese proverb: “A rich man is that person who has enough”.
*Generosity of QUALITY TIME, is the most beautiful GIFT ever.*
God blesses us, when we bless others.
People have to get over the fear. I think fear keeps you stuck.
Especially with all fear talk
I know that when there is fear it is because we don't have the answers. So do your research and find answers that will help you. The best of luck and God Bless !!!
@@martiejohnson4387 Yes 👍 Not having answers and living in limbo cause fear and anxiety too. Good suggestion Martie!
Boy Jill...that advice you mentioned about instead of watching 2 hours of news do some studying and learning!!!!!
That is so wise!!!
P.S will probably help your health as well, given the news and it's ability to raise ones blood pressure!!!
Great video! I've always been a pretty frugal person but have improved this skill as I've gotten older. It really is amazing what you can do with a little! My mom is also on a fixed income and was concerned about affording food. That is until I took her shopping with me! It was so rewarding to show her just what she could get for $20 a week with a bit of savvy and a trip to Aldi. She has gotten to the point that $45 worth of food will last her for the better part of a month! Thanks for educating the masses on this and keep doing what you do!
I have been practicing living on what I thought would be my social security amount for some time now. Really doable, but I really have had to be creative about most everything.
That is sooooo smart! Wonderful idea!
Its important to remember that moving isnt always an option. However there are ways to live in big citys on a budget. I have ill parents that need care so im not able to move but rent is crazy high here so i bought a cheap mobile home. You just have to get creative
I love mobile homes. You usually have to get out of the city a bit to get one on it's own land, or get in a park that is family or senior friendly. Much cheaper living.
@@yellowbird5411 I would love to do it - but here in Austria/Europe there is so much bureaucracy - it is NOT allowed to live in a mobile home. If you buy land, you have to build a house or do a garden. Mobile homes are only allowed on a Camping ground....... I still have to work, because my pension is Euro 890,-- per month ----- the minimum collateral ---- but I am thinking how I can do it----- that kind of videos give me hope!!!
Mobile homes are a great affordable option. Just make sure you get one that’s safe, and have a checked out before you buy it. In Southern California though, space rents start at about $1100 a month.
The mobile home park, up the street from me the rents are $1700 a month, and who knows what they’re paying on their house payments? The hard part is qualifying to live in a mobile home park. You have to show an income of three times The pad rent. Which means you have to show an income of $5100 a month just to qualify. So I don’t know why people call mobile home park residents “trailer trash”, Because it costs a lot of money even if you’re living in a “trailer”!
@@mattikarosenthal3298 I'd rather be trailer trash than a renter. At least I can have a dog and have ability to decorate my home the way I want. Paint the walls purple? No problem!
I was a single mom & I love what you are saying... I worked 2 jobs & did a lot of what you talked about... my daughter watched what I did... when she moved out & went to college she used it... she shopped wise, used coupons & got a degree with no debit, college loans... Thank you for putting the information out there.
My hat is off to you single moms. You all do an incredibly hard job, and many do it well. Way more strength, courage, and determination than I'll ever have.
You gals were awesome tonight! You're right, we're so spoiled and entitled. How we must be grieving the heart of God. Thanks for helping us wake up!
About 5 years ago, I was extremely ill. I could barely leave the house. For my eldest sons birthday we stayed at our home and cooked outside on the grill. Usually we all went to a restaurant to celebrate. It was so nice, and economical, my toddler grandson could run around freely, my husband wasn’t worried about the cost, we had a wonderful time! We were all together, that was the most important thing! Lesson learned!! ☺️🎂🎈🎁🎉🎊
Amen! So many take money for granted and do unnecessary things with it and don't understand what poor ppl go through, and then boom, something drastic happens and changes their world. Happened to me too. Started having seizures again in adulthood after a period of dormancy and had to leave the medical field. Big eye opener.
lovely :)
Restaurants are overrated
10 percent is your tithe and it's on what you earn widows weren't required to tithe when I work i do tithe but I dont off of social security because we already tithes off of that when we worked
@Stephanie C....ikr
I make a nice income and I'm still broke. This show was for me. I feel so stupid. It's a lot simpler if I just stop spending. Best wishes
Colorsof Avon....yes, I did the same thing & just realized (too late) to do right for myself. All that money I spent on "material things", do you think I have any of it left...NOT A THING! I can hardly stand to buy anything anymore! (sigh of relief)!!!! Now I ask myself all the important questions... 1. do I need it 2. do I have something right now that does the same job 3. where would I put it 4. what can I get rid of for it to replace etc. I don't do garage sales any more!!!!! : ) Judie
Colorsof Avon dont feel stupid , we all have to start somewhere.
What an honest and insightful comment. Good luck to you. 👍
When you know better you do better. I had to buy a "Kitchen Safe" it locked my credit cards up for a week at a time and by the end of the week I would look at the sticky notes I stuck on the side listing what I wanted to buy - 7 days later I couldn't even remember why I wanted the items. Took me about 4 months to break the shopping habit for me.
Don't think this way. We all make these mistakes at one time or another. I sometimes have this same problem. I see something I really want and use to buy it ( on credit, of course ) then when the bill came I couldn't believe I had spent so much. So I paid it all off and rarely use my credit card any more. If I see something I want I have learned to quiz myself, 1st. I ask myself " Self do you really need this ?" 2nd. Will you use it a lot or just once in a great while ? 3rd. Can you afford it if you didn't have a credit card ? And I would really pay attention to these answers . 9 out of 10 I don't buy it. We as Americans tend to buy more stuff than we need or use, or even have room in our houses for ( as to where to store them) . Thanks for sharing. Best of luck.
To save money I ditched satellite tv. Now an indoor antennae gives me many stations and I enjoy movies and tv series FREE from our local library. Also, Metro PCS is $30 a month and I got a FREE smart phone. No need for a landline phone.
is that unlimited everything & how is the service???
We love Metro PCS💜❣🎉💯
Thanks for mentioning Metro PCS. I'm looking for a better cellphone price with good service
You can get mint mobile prepaid service for $15 a month you get unlimited talk and text plus 3gb of data or for $5 more a month get 8gb a month.
You guys literally changed my way of thinking and my views on finances and my life.
Thrift stores are great! Growing your own vegetables and saving your seeds!
Trade & barter👍💗
That's exactly how i made it when my 3 children all under 5 years old
Yup nothing like finding treasures at thrift stores and growing ones organic food, it’s like growing money 💰
Been shopping at these since I was 16 years old now I'm 40+ still love them you find expensive stuff people rarely use you never pay full price they did.
We just moved from our hometown, where we could never buy a house, to a mountain town 168 miles away. We bought a house and it costs us $250 less than our rental at home. We’ve been living on a fixed income for six years now and we got tired of struggling. Live has gotten so much better! Sandy Miller
I love the way you hold individuals accountable for their own circumstances. If your housing is too much move. If groceries cost too much change what you're eating. I love it. Our Society is one big excuse and a collective whine about inequality.
Ya, who would of know that theres a thing called personal responsibility 🤔 lol.👍
BINGO!
Tithing with an income of $750 per month. You have given me a lot to think about. There is another person on You Tube speaking about living on social security. She is playing the “ feel sorry for me” game. You are a true inspiration.
My mother who is 89 lives on social security and saves money every month.
I have $945 a month income from Social Security disability and that is all. I struggle daily.
The two things I love most about your videos: 1. You don't just talk about theory. You give concrete ways to live on less. 2. Your ideas work for people who are middle or lower class, not just higher income earners. Many speakers and authors talk about the "Latte factor", but honestly, for those of us who are middle class or lower, it's not the latte factor that sets us back, well for us it wasn't anyways/we don't eat out much and definitely don't buy coffee... My goodness, if you can lower your big expenses like housing, food, transportation, those are concrete ways to feel empowered. Just learning to reduce meat consumption and eat cheaper sources of protein is a HUGE change in budget, but most speakers don't share those details as you guys have. You guys are EXTREMELY helpful and are helping a broad range of people. Please continue. :) Ryan and I felt so discouraged years ago when our income was lower and we'd listen to speakers talk about cutting things that we weren't consuming anyways. You guys talk about things that even those who are already frugal can cut. Our personal story is that our income is now better, but I still love listening to your ideas bc I want to be the best steward I can and bc I want us to focus our spending on what really matters to us in the long run. Thank you both!
Your tax dollars have paid for food stamps, heat and Medicaid for when/if you need them. It’s called the working poor who have multiple jobs and still can’t meet their basic needs because of stagnant wages.
Yes❣ You either get next to none or NONE at all, We teetered on that line FOREVER like it was bad weight on the scale❣
My grandad, Dad, Grandma, and me, all paid into Social Security. I have been looked after by the government quite well after I was disabled. But I wonder how long it will be there? And now my 2 kids are paying into it. I do not feel guilty about it, because I would have worked if I was not disabled and made a heck of a lot more.
I agree people should move if they can’t afford to live somewhere. I live in northwest Arkansas and love it. It can be expensive here also but not like many parts of the country. People are pretty much the same everywhere and you can make friends and find free entertainment. I also think that as you get older you want less “things”. I go to the library and outdoor concerts and have an indoor tv antenna. Churches have lots of activities also. I live a very full life on my social security-which by the way, we earned. Thanks ladies.
I disagree... it is not a good idea to leave your family and support system. My family has done this and I don’t have relationships with most of my extended family.
OfftoShambala I’m sorry that happened to you. Sometimes people do not have a choice but move away to a more affordable area or state. If you can’t live on your income, is it right to expect your family to pay your way? I’m sure most couldn’t unless they are well off. When it was time for my husband to retire, and he had to due to health reasons, we had no choice but to move away from our children to another state. We lived in NJ in a 900 sq ft house on a 50 x 100 ft lot and our mortgage was $1,100/mo and our property taxes were $6,000/yr, yes a year. There was absolutely no way that we would be able to survive on $1,800/mo there where everything is outrageously expensive and you’re taxed through death, yes, you’re family has to pay death taxes when you pass away. We had to make the hard choice to move away from our adult children and grandchildren so that we could survive. They certainly couldn’t supplement our income nor would we expect them to. We sold our home and moved to NC where we didn’t know a single soul and bought a house double that size with 7 acres, outright, and no longer have a mortgage and our property taxes are only $1,400/yr and now we live on $800/mo and save the difference. Everything is cheaper here and the people are wonderful and we quickly made terrific friends some of which we call family. Thank goodness for technology because we video chat with our children and grandchildren 1 to 2 times a week plus text daily and we drive up 8-1/2 hrs every 1-1/2 months to visit for several days. People can still have relationships with family if they really try or want to. It can be an effort because people get busy and caught up in their own world and problems, but it is doable if someone really wants to make it work. I know because my husband has family NJ and I have family in other states that don’t have a relationship with us, not that there is any bad blood between us, but they just don’t want to make the effort. That’s ok because that’s on them.
Talk about move. When I realized my SS will not cover the utilities on the house - I cashed in my 401K and moved to Hungary. Safe, inexpensive, beautiful and I live stress free, well within my SS.
p.s. the 401K paid for a city center apartment - and that is what made my life stress free - paying only condo fee and utilities.
OfftoShambala you do what you have to do. Sorry you don’t have a relationship with your family however if it means living, you have to do what’s best for you not for extended family
"OVER 70 STILL GLAMOROUS" :) BLESS YOR HEART DEAR :) no matter how much $$ iv had or have Im still frugal :) hug connie
Thank you for sharing your experiences. They’re so real and practical. I do have to disagree about us social security folks needing to cook smaller quantity. I make huge batches and then put them in single serving containers and freeze them. This way I don’t need to cook as often and devote my time to better things to do like volunteering or creative work. Also, I save gas/electric energy by batch cooking.
But I think most people don't do that so I think that's what their getting at. Good for you figuring out what works best for you because most people just can't get the concept of what you do. I know it's crazy but we have truly lost the ability for people to figure out comin sence. It's just all in the devils plan so that's one reason it's so hard for people to seethe easy things. Distract with shiny objects 🤔
I do that, too. I'll assume, you are a good cook, too. I sure don't mind eating a number of my creative dishes again, and again.
But, I know many folks who cringe, "I won't eat left-overs"
I’m cutting cable. Streaming services I don’t use, groceries, beauty products. My challenge is use up the products I have then only buy what I need. When my son moves out, there’s even more savings. Then I’m downsizing! You two are so inspirational. Both so thrifty and smart with your money.
Please forgive the long comment, everyone, but I have to share this testimony- right now, I’m working a waitressing job that extends into some late hours (I have 8am college classes every Monday through Thursday and work as a nanny Monday through Friday 1-4). Whenever I have to close the restaurant, which has been a lot lately, I tend to get fairly cranky, and complain a lot. I have applied to other jobs, and dreaded going to work. While I know it isn’t right, and I try not to be bitter as well as I can- it’s a hard thing some days.
Last night, though, God gave me an attitude adjustment! I went in around 5:10 PM and clocked in for my 5:15 shift. Another waitress grabbed me and said “Oh Regan, I’m so glad you’re here. Everybody, we’ll be okay, she came in!” The other waitstaff had all called in sick or didn’t bother to show up. If I had done the same, or come with a bad attitude... the other server would have lost her marbles, no doubt. I don’t say that because I’m the best waitress in the world- I’m definitely not, haha, but that much work by yourself is truly impossible.
It was only she and I plus other staff until 11 PM when we finished up closing. It was difficult, but God helped us by giving me a burst of energy (it might have been Him giving me adrenaline from panic, lol), by placing our helpful and kind manager there last night, and by softening the hearts of customers. I tend to lose heart if I don’t make at least minimum wage in tip money- last night, a weeknight (it is rare to make much money at all serving on weekdays/weeknights) I brought home $120. It was the blessing I didn’t deserve, but am so grateful for. The job has brought my husband and I closer together by putting us in a closer to debt free situation, a better dedication to each other, and a more full relationship with the Lord as a couple. He is praised often and with enthusiasm in my home for the grace, mercy, and love that He brings to me daily! ❤️ If you think your financial situation is tough, friends, be grateful because there’s people who have it worse. More than that, however, we serve a mighty God-He has plans to make a hope and a future for us!
Wow , God will surely bless you. You sound like a loving, kind , hardworking person.
Amen, sister. I used to live wrong, be in debt, did not know how to handle $$, was not content or joyful. Now, I am out of debt, know how to manage my $$, am living right & I have PEACE!! how, you say? JESUS...He is my rock. He is my redeemer. He is my ever present help in time of need. It's sooo easy to rely on God & God alone. Keep on fighting the good fight.
Regan Matthews God Bless you Regan, for your wonderful and loving attitude.
There are always people who are worse off - besides you are looking to change your situation so this is temporary. Good luck to you!!
Oh Dear, $120 in tips on a weekday night shift is an amount you worked hard for and earned, and so richly deserve. I tip like an idiot as a way of expressing my gratitude to the universe for allowing me to discover my welding bone and get the hell out of the food & beverage industry once & for all. Many blessings to you!
"Ruffling feathers" love it. You ladies are telling it like it is. I loved when she talked about moving. My hometown is not the cheapest place, but not really expensive either. It is becoming more so as Indy pushes northward. I have inherited a small bungalow, 950 sq. ft. It needs structural repairs. I am using money inherited to fix those. Am I thrilled with this 100 year old house! Yes! Because it will give me financial freedom and the ability to live where I want. Have I made lots of spending errors that I am now "suffering" to correct. Yep. You girls give great advice. It comes down to personal responsibilty. We are responsible for our own financial decisions. Bravo to you both!!!
I just moved from California to Texas for financial reasons. Hated to leave my friends, etc but had to do what was best for me.
Barbara Thomas we did that too. We paid off our Texas house in 5 years, rented it out while we were in California earning a good salary. We sold our house there and are now retired here in Texas. We definitely didn’t keep up with the Joneses - lived under our means.
We did too, California to Texas. Bloom where you're planted!
And us Texans are moving to Arkansas because TX is too expensive for us! Property taxes were $4,000 in TX for the same size house I now pay $500 for....
@@forgetmeplease1414 I feel you on that
Angel Ward my brother and sister in law did that too 😀
The word says iv.never seen the righteous forsaken or his seed begging bread. Trust the lord he will help you...
AMEN AMEN AND AMEN.
AMEN AND AMEN!!!
Yes and Amen 👏🙏🛐✝️
Amem 😇
Amen!!!
Jill is a gem and filled with so much wisdom! Sound advice based on biblical teachings. Thank you!
How do you move to a new state that is cheaper if you don't have a job there? Who will rent to you? If you don't have enough money to pay for several months for a hotel to stay in while you are looking for a job, how do you move?
Most places will let u move in without a job, if you can pay 3 months in advance. But that is a lot, so understandably not easy, but it may not be the easiest to find the best job, but find something, even Walmart or amazon, just so you have something, but I would still try to have at least 2 or 3 months of bill money saved, or at least 2 months of food, 2 months of rent, and the deposit money to start utilities. It may be scary, but it will work if you have to do it to make life better.
Live in your car until you get a job.
Stay with a friend or relative
@Chris P. THIS is exactly what I wondered. Why aren't they lining up a new job through the internet? A lot of employers will interview by phone or online. One could even set up interviews before they move. I can't understand people leaving their jobs and just showing up somewhere else. You'd pick a location based on where there are jobs in your profession or field.
You make a good point.
aw, geez...I just love you guys! I raised 3 children on my own without a dime of child support. how refreshing it is to hear someone say what I've been thinking. good stuff!
Me too but only 2 children
I did the same Actually, the Department of Child Services in Arkansas charged ME each month to collect zero dollars. Just to show you crazy things can and DO happen. God has been so good to me. God is good, ALL OF THE TIME. When you look back, the dots DO connect. They rarely do in the moment.
If have to keep it in mind that some people have family members who don't want to help them and may in fact get a kick out of feeling superior those family members in need. Unfortunately this is a reality sometimes that your worst enemies are your family members.
Absolutely right, some members of your family actually almost laugh at you when the xxxx hits the fan for you. But it's different when it happens to them.
I believe that's also a quote from the Holy Scriptures.
I also have a family member who is on disability, but she refused any help I can give her... which was to move in with me, combine resources. I can't help her if she couldn't make the sacrifice in return. And no longer can send her $$$. But instead I got called a bitch, for offering. Her comment was she did not want to leave her friends. So I told her that her friends can help her. Right or wrong?
@@bjulianaleo3025 I'm so sorry you had this painful experience.
I would cut this family from my life. Who needs them!
I believe that we can live "on a dime" and eat healthy, too. We can eat Greens, Beans, Onions, Mushrooms, Berries, and Seeds, and if we cook them right, we can be both healthy and live within our means. I don't eat out, but what I eat at home is both healthy and inexpensive, because, like you, I look for sales. I do my own house projects, instead of hiring. I don't go on vacations, but take time to go for a walk or a hike.
This is great video. When I was younger my husband and I packed up everything we owned and moved out to N.C. on a Trailways bus. The best thing I ever did. We didn't have jobs there or a place to live. We had to hustle to accomplish both of those things. He went to school out there we bought a house and had a baby girl. When you work hard and have goals you can accomplish anything.
When you have two people who are both pulling in the same direction, you really can do just about anything. My mother and I lived together for many years, and there was nothing the two of us couldn't accomplish together. I'm happy for you.
Ladies, thank you for talking about giving to the Lord. I do this without even expecting anything and then out of the blue things come to me that makes me in Aww. We have our home paid for and yes it sure helps us to live a better life. Seek the first the kingdom of heaven and all other things will be added on to you.
I just started ss at 65 and am so sick of the small amount I get after lifetime working 🤦♀️first time to hear y’all
My husband and I were retiring so we moved to Nevada from Oregon. In Oregon our property taxes were $433 a month, but went up to $516 a month. Nevada our property taxes are $200 a month. We also eat one meal a day. You just make it work. We did just like you did and saved every penny. We will be just fine in retirement.
I love that you give to the Lord first❤️He promises to take care of us❤️
Great common sense people...not enough of them in the world!
Please don’t say everyone lacks integrity. I know you corrected this later, but it’s offensive. 10+ years ago, I had two strokes and am disabled and in severe pain as a result, yet I’ve continue to work full time and pay my own bills. That said, I am getting older now (late 50s) and am considering going on disability because work wears me out so much that I am having difficulty taking care of myself and my daily needs. Anyway, thanks for this vlog. It was very helpful overall.
"When you complain, you make yourself into a victim. Leave the situation or accept it. All else is madness." Eckhart Tolle
That's a good reminder Rhonda. I've made myself into a victim before. I'm trying everything I can to get rid of everything I just keep praying God will give me more energy and help me handle the pain. I need prayers for someone to come and help me get rid of stuff I believe he will. Help me we could refinance our house and consolidate our credit cards which my hubby bring up without telling me for reasons I won't disclose here but anyway they're there 30000 and we can't make payments plus $1,400 mortgage on Social Security. In the times I'm have energy I'm trying to find someone to consolidate our bills then as soon as I can get rid of everything we can move and we'll have enough money to build a tiny house and be debt-free. This is my goal right now it seems impossible when there are days I can't even get out of bed but I know nothing is impossible with God. I would help anyone and I did when I was younger but now that I need help my family is just not there God bless them they have their lives honestly I don't know how I'm going to get out of this mess I'm not being a victim when I say I can't do it myself I keep trying I'm getting you something done but fatigue kicks in and then I sleep 3 days feel terrible looking at all this stuff I want to get out be debt-free God I wish I had never got credit cards we're going to food banks and going without whatever we can. when I look around this house I think how silly it was to buy a big house we don't need it and I can't keep it up. I don't even want to. I pray that someone will refi us but they see our c.f. debt and say forget it.if when we can get rid of this house and get out of here. We can have freedom. I'm almost 65 and I don't want to spend the rest of my life cleaning house. I want to spend it with my husband and my family.. I don't need much I don't even mind living in a tent I just want to get rid of this stuff .I give away what I can. I do need help. Phyically. any advice would be great.
@@kiddor909gmail The amount of your debt and the limited income you have indicates you cannot pay it off, ever. I would suggest two things: Consult with a bankruptcy lawyer and see if you can file. I have a friend who just did that, and he flushed $20,000 out of his life. If you don't have another property, or money assets somewhere, you should be eligible. Filing bankruptcy doesn't cost an arm and a leg, but you may have to work out a deal with your attorney to pay in increments, unless a family member can help you. I think my friend paid $1,200 for it. The second thing I would do is sell the house. It is too much for you. You can sell it as is. Meaning that you can just leave all the stuff you don't want in it, small, big, whatever, and usually the real estate agent will call a local second hand store or antique shop or both, and have them come and pay cash for the belongings. Since you are sick, you need someone to help you do this. If you can, hire someone from your area to come and help you, or even take over for you. You could also exchange rent for assistance. Run an ad to sell what you can online under Craigslist or Neighborhood. They are free, and with that money you can pay your assistant if you can't find someone to live in for a few months. Have that arrangement up front, so there are no surprises. Call your local Area Agency for the Aging (also deals with disabled) and see if you can get someone at no charge. I think the stress of what you are going through is affecting your health. Make sure that you are seeing a doctor and not overlooking what may be going on. Best to you.
Another option, if possible, is to *_change_* the situation.
Your mortgage payment is about the same as mine, so I can approximate what you paid for your house.
I didn’t see if you mentioned how long you’ve lived there, but if it’s a few years (or better, a lot of years), you probably have enough equity in your house to sell it and make a profit. After selling, get a small, cheap house or condo or rent.
Sell the house. If you’re sick it’s not a good idea to have the additional stress of trying to build a house. If you’re needing so much to do everything for you it’s totally insane to want to build a house. Sell the house you can’t afford & move into an apartment or buy a small less expensive condo. You don’t need space for “the kids” to stay when they come to visit once or twice a year (if you have kids). Sell stuff on Facebook market. We have done that. I bought a two bedroom condo because I didn’t want to house poor. Just because some realtor or mortgage company told you that you can “afford” something doesn’t mean you have buy it. You have a chance to be an “overcomes” instead of a “victim”.
Your mom is such a beautiful person. I love listening to her 💞
I love all the practical advice. It's not all "We didn't have this. It was so hard." This is full of great advice for any time.
Thank you for talking about tithing. I have $10 or less left each month for gas, meds, etc. I have had people say ," keep the tithes. God knows you need it !!! " .
Everything I have belongs to God. He only asks for 10% which I gladly give. I never go without. I had $1 left this month ( my income is about the same as Jills ). Before the week was out, I was blessed with a donation of money to get me through the month PLUS I was taken out to eat and someone bought me some books ( I love to read ). God is good !!!!!!
I love to hear your stories Jill. I have lived , still living basically the same way you do
Preach it Tawra !!!!!
Just so you understand something very important. God does not ask for 10% of your money. Your church does. That's a whole different entity. God doesn't need money for anything at all. He does what He does and is what He is, with or without a brick and mortar church. I hope your church is using your money to feed and clothe the poor, and not for a million dollar spire or a basketball court, or in some case, a new jet.
@@diannew6066 Titheing is not just money given to a brick and mortar church. It's also money given to the Salvation Army, St. Jude, Samaritan's Purse, etc., or your neighbor who is having a hard time. "God's work, our hands."
I'm beside myself, that for the first time next week, I need to go to a food pantry...just never saw me to ever need to...I don't drive, so no car or insurance, but $675/mo rent out of ssdi just doesn't leave enough for food...so God Bless those who can help others like I used to
😓 hope u are okay now ?!
I think some people’s mistake is they save after they budget all their expenses, if they have something left after they pay all their bills then save it. I pay my mortgage first then I save a certain amount of my income. Then after that I budget everything else from what’s left. Save first!!
I have to tell you I just watched this and was giggling when you talked about the Waltons, while the show was fiction, the family was not. IT is their true story. One of my son's friends is the granddaughter of the Walton's, we have the privilege of hearing first hand the life they lived and how hard it was but filled with so many blessings.
I love this...I agree many people play the blame game...You make your choices, I have also moved, negotiated rent prices, dropped non-essentials, readjusted budgets, re-vamped left-overs.. there is many ways to cut costs find what works for you.
I know this video is nearly 3 years old, but I thoroughly enjoyed it. I, too, am on a small $635 SS budget and I do just fine.
Amen about the tithe!!! You can't out give God!!
I have friends who really struggle financially....and they are very careful with their spending. Having no income is the worst situation, but if you have some income, there is usually some sort of viable option. Some areas of the country are completely ridiculous, as where I live, and I would move immediately if my income changed significantly. I wanted to mention that tithing is not a salvation requirement, but from the heart, and your family comes first. "But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever." 1 Timothy 5:8. Blessings ladies, and thank you for your ideas!
Yesterday I finally hit the jackpot at the thrift store as you suggested in earlier videos.I stuck to my shopping list and purchased a bread maker and a popcorn maker. Both items are virtually new at a total cost for both items, $23.98 plus tax. Retail cost for both was $190.00 plus tax. Now I can easily make my own gluten free bread, rolls and pasta and freshly popped (non GMO) popcorn.
Wow. Love that you know not to buy that GMO popcorn!
I've made my own bread every week for 49 years. My bread maker is my hands, still. I pop my popcorn in a pan. I'd pass on both of those 'finds' and save the $23.98 plus tax.
I love your attitude! Making do with 'less' is really 'more'. And an honest tithe is the best insurance policy.
I’m only 43 and have RA. I was sitting here feeling sorry for myself and now I’m making plans to get more prepared for the future. Love your videos. Phew!
This is really good. I've lived (with my youngest daughter, who is mentally handicapped) on as little as $350/month; we both also have auto-immune diseases (she has lupus; I have probably got fibromyalgia, plus several others). When this comes up on internet forums, there are always people who angrily insist "You CAN'T do that!" Well, sorry, but you can! As you have said, being debt-free is critical; being frugal is critical; being willing to move to less expensive areas is critical; being willing to 'lower' your standard of living is critical (*attitude* has a whole lot to do with whether your standard of living is acceptable to you or not). I'm going to share this video with several people.
Wow preach it ladies. You are amazing! I am so sick of hearing people complaining about going hungry. With all the help available there is no excuse and I'm talking to myself. Thank you!
I love this. You are teaching the same principles my grandmother taught me.
Way to go!
well I get free meat by making deer jerky for people, I grow squash for a year, and eat it twice a week, along with green beans, tomatoes, rhubarb, swiss chard we freeze. we shop at a discount amish store, where I can get healthy bars for 2.50 a whole 1 gallon zip lock bag of them. I work at a motel, where I walk up to check people in and can use the laundry room for free, everything is provided by the motel, lawnmower, gas and oil, weed trimmer, and pickup and trailer. I use the motel snow truck and shovels. We have endless amount of friends with a bible church across the street, we sing at the local nursing home and celebrate birthdays every month. Free internet also.
Sounds wonderful!
AMEN! God is our provider & He wants us to use good sense wisdom in the way we live ! I also tithe & I get excited because God blesses my giving ! ❤ This is my first time seeing your videos & now I am a subscriber! Enjoying them & the great information you are giving! God bless you both. ❤
I've live alone and I've found that investing in the occasional roast will give me some extra meals. I have freezer containers that I portion various veggies etc. No waste. Good meals.
The roast also does not have the salt that cold cuts have. Also I live alone and buy a roast or chicken just big enough to put in my crock pot. EASY PEASY! There are a lot of crock pot meals online, and you can freeze them for later.
Long time ago I had a lady friend from Tennessee, and She told me was from a very poor town,
and at that time She thought everybody was poor and was normal, but when She moved
to South Florida was surprised to see the huge difference, and decided to work two shifts to save enough money, and go back to her town and build a nice house. Believe me After five years, she went back, build the house send me some pictures and I felt real happy for Her.
My sons every time I have offered to take them out to celebrate a birthday or a event they always want me to cook for them simple things like mash potatos, tuna casserole ect. all children want is our time at any age!!!! Great advice!!!!
althea Janke Awwwww, that is so precious!!
You are very lucky that you have sons that know the value of home cooking. You must have taught them right. Thanks for sharing. More kids should value this more.
I am a woman of faith, I'm in my 60s, single. I current live with my son. While living alone, however, I had to be real careful with spending. I give credit to God for the peace I have to live without or with very little. I love foreign cuisine, but can't afford the price of restaurants. So I've learned to fix my favorite foreign cuisines from my own kitchen. Even Beef Burgandy, a cheap red wine for 3 bucks. I make everything from scratch. But finding peace and happiness and doing with less, etc, is the biggest task. You can't watch a commercial without them "wooing" us, and telling we'd have better friends and admiration from coworkers to have all these things. As for tithing, its between you and God what you do. I tithe from other resources besides putting my widow's mite into the collection plate. Tithing my time, putting $5 bucks in the Red Kettles at Christmas time, etc. When I had a car, I even gave other folks rides to the store, or a doctor appointment....without complaint. I also applied for a food card from the state, that gave me a little extra month towards my grocery budget. I applied for the local ride program, depending on your income you might pay nothing to schedule a ride somewhere. And where I lived before living with my son, we had a great food pantry place. It was church run, and they had lots and lots of food. And that contributed towards my grocery budget. I would get all my produce that I love to eat from the pantry, saving me $15 bucks or more from the store! Day old bread.......no problem. I made grilled sandwiches from it, or made french toast. And in the summer time, local gardners gave produce to the pantry. I would go in on the last day of the week they were open, and ask for all the produce that would spoil before the following Monday. I'd take that home with me and can it. I also cut the cable. And just kept the internet to stream tv. $50 bucks for SlingTV and $39 for internet.....and when I had cable without movie channels, I was forking over $270 a month.
So we can do it, just takes being a tightwad.
We do Christmas much the same. We call it Merry Thriftmas! All gifts have to be from thrift store, recycled, hand made, curb alerts, from the back of the closet, etc. So much less stress and fun!
Love this idea! Gifts for the grandchildren break our budget and aggravate my husband.
Ive enjoyed this channel so much. I guess this was a live of some sort & you were answering question, which I missed. Thanks to you both for speaking genuinely & carefree. I honestly felt like you were having a 1 on 1 conversation. Thanks so much!. Im a 42 yr old single mom of 3 & need all the tricks on budgetting I can get. I was listen to older people's advice. Again thanks so much, God bless you all.
I was so thankful we paid of our house plus 3 rental houses. We have no car payments and no credit cards
I am 64 and my husband is 70. We adopted our grandchildren. 15, 14, 10, 8, 5. We eat at home. I shop at thrift stores for all of our clothing. Just think what would have happened if we weren't debit free.
Here in NY utilities are not part of the rent. The rent here is constantly rising, and the waiting lists to get into an income based apartment are all years long. I have looked into moving to another state but the rent I can afford are in areas that require a car which I don’t have. Also consider that some people are on disability due to mental health issues, and cannot just pick up and move away from their network of family/support/doctors. Drastic changes to their lives can be detrimental to their health situation. Not everyone has the capacity to ‘suck it up’ and make huge changes to their lives so easily. There’s a fine line between tough talk and being insensitive. We are all on disability for different reasons.
Any advice for that situation
Right on.
Sorry, and I have been where you are. 1 box of kraft Mac and Cheese and a can of tuna to last 2 days. As an RN, I know they are not excuses for everyone. If you ate right, you might NOT be sick anymore. I have Rheumatoid arthritis, DM, hashimotos, and autoimmune blepharitis and would rather spend more on whole food and pasture raised to feel better. If you are truly Christian, DON'T JUDGE. I agree w your stance on integrity. Everyone on SS isn't poor if you have had a decent job all your life. Homesteading cures much of this-urban if necessary. Grow your own. Raise chickens and rabbits if you can. Many of your suggestions are great, but we all don't have the same needs. Values are so important.
Enjoyed this video emincely, you ladies gave me so much to think about and encouraged me greatly. Very timely video for me because I'm trying to figure out how to save and get out of debt.
First time watching and I just subscribed and can't wait to see more of you two.
Thank you and God bless you and your whole family!
Tawra...I use the Walton's and Little House often for character training too. It's smart. I remember that episode well and it makes me cry every time.
I just love you ladies, and yes...dignity is SO important.
Pa Ingalls and his "cash on the barrel"♥
Some places have really awful tap water but you can usually find a Brita water pitcher at thrift stores if you keep looking. In fact, you can eventually find anything at thrift stores eventually. I found my son a trombone for school at a Goodwill for $50. I haven't bought retail clothing in decades.
So thankful you are back! I am in the same season of life as you, Jill! I always watch for your videos!!! Would love to hear about how you handle medical issues, eat healthy on a low income and buy gifts for others. God bless you!
I once lived on $245 a month with 2 kids. No one expected a Christmas present from me but what I ended up giving them turned out to be everyone's favorite present that year, and what they ended up wanting me to give them every year there after. I hollowed out all the eggs I bought that year and I painted the eggs and turned them into Christmas ornaments (I got the paints, the paint brushes and some ribbon at a garage sale, ridiculously cheap, and the egg shells were basically free since we ate the eggs and the shells were something that would normally have ended up in the trash).
Absolutely. I have lived your life I am 81 years old now, everyone is healthy and happy and well employed and we love it and live on And I move on. Right now my priority is to get rid of a car payment rather than get a washing machine (mine.broke).
I love your mom, she says talks thee truth. Stop the pity party and live within your means 😊
Yep, period
Im watching this again over a year later and who knew 2020 would hit like this. This video is so good for this time of peoples lives.
I don't know how anyone lives on SS. How does one pay rent, eat and take care of medical expenses on SS?
A person can dehydrate fish and vegetables for the future, buy a cheap house, so you have no rent and leave that money for medical expenses, pay bills a decade in advance.
I do this every month for two of us, by the time my Lot rent and utilities are paid. I have less than $200 for food and other needs. While living in Michigan, not a cheep state. Oh and I Dont have a car either.
I'm retired in Phila, PA and live on SS. Sold my home and bought a condo - $300 a month Fee. I shop at thrift stores for clothing, etc. I cook at home and eat basically Paleo Diet - Fruits, Vegetables, Meat, nuts, no 'prepared food'. No cable TV, good old time Rabbit ears. Have computer and am online. I sew, crochet, read and in Summer the complex has a 70' pool. Have a paid for car . I have money left over at the end of the month usually. Life is good.
RE: medical expenses on SS: After Medicare, for the remaining 20%, many hospitals around here have 'Charity Care' that picks up the slack, but you have to ask for it.
You must choose between eating and paying for your prescriptions.
My mom lived really frugal all her life years before she passed I have her one of the cookbooks from ur family. And she always commented that she was able to save even more from the cookbook. And her friends all got together and looked on your website as well. And between the two. Mom and her friends had a better fulfilled life. Still being frugal but able to save more
My mother always told us that God helps those who help themselves. When the going gets tough, you don't sit around and complain, you cut back, get that second job, etc. My father died suddenly when I was a child and my mom was a stay-at-home mom. If it wasn't for her faith and her frugality, we could not have survived. I could not agree more with you ladies. Love your shows together!!
Thanks for having the courage for talking about tithing and Gospel of Jesus Christ.
You talk just like my own Mom only she had 5 of us!! I am so frugal becauce of her!!
Jill...I wish you could do a tutorial on exactly how you keep your utility bill so low. Loved it when you gave the dishwashing tutorial and think of it each time I wash dishes.
ceiling fans save a lot on utilities and they actually cool your house, not like air con, but usually makes it quite comfortable.
I firmly believe in self reliance on everything we can realistically control...health care is not one of them! We can choose where we live, we raised 5 kids in a $36,000 house with one bathroom. We still live here and our grown children would be devastated if we sold it. We shared one vehicle for many years...I made very frugal meals....my children earned things and were not "entitled" to anything (except love). But what we can not control is our health or healthcare costs. I can't bargain shop when there is only one local hospital or choose when my kids got sick. I have a rare life threatening hereditary disease (so does my daughter) our medication is $50,000 a month. We relied on state government assistance for our secondary insurance and I don't regret it for a second!!
Curious- did all that frugal living net you a wonderful retirement....money in the bank...travel? We need to enjoy like when we're young because we don't know what is ahead. We have ills & health costs too :(
May I ask your disease? I have porphyria. Cannot be in the sun, no alcohol, cannot have most drugs. Have no friends, family is dysfunctional, so am on my own.
Good ideas. Everyone according to their own needs. Fasting is an option and Biblical etc
I live in a $50,000 house but its paid off 💖
jennifer wipf America is a nightmare of a place! $50k a month?!!!! You’ve made me so much for thankful for our NHS here in the U.K.
I am so very excited to come across your video and I now am a NEW subscriber! ❤️ I, too, am a disabled woman from FMS & CFS, for about 22 years. I am in awe about your story and anxious to learn as much as I can! I need help on learning to live on a fixed income from Social Security, as does many of your other viewers, and feel some stress relief. Please keep putting out your videos, so people can live with less stress and be happy whatever the income situation! Much love to you both💕
Love watching you both.Got your cook book and loving what is in. I am
on my way to start getting out of debt.You have been a big help with your tips.
if you don't have an income... tithe your time...
Been trying for over 3 years to get disability ...I live on $197 a month (ABD) and the same in food stamps. All I can say is if/when SSDI kicks in the back pay will allow me to get my own place, garden, etc...
My friend developed disabling arthritis while in her forties. She fought for disability for a couple of years. When she finally got approved she paid cash for a small mobile home. Almost 20 years later she's still in that home.
@@ccrbonline1752 My dad has arthritis, a heart condition, diabetes, and gout, and he works full time. It's hard but he does it, and he is very tired from that. I think some people just want to use whatever excuse to not work and live off of us who do.