How To Live on $1000 a Month - Low Income Living
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- Опубликовано: 28 мар 2021
- You can live on $1000 EVEN NOW! Here's how we did it!
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I retired nearly 4 years ago at the age of 76. I draw $1,000 a month SS and my medicare supplement and drug card is nearly $300 a month so that leaves me $700 to live on. I have spent half my saving in the 4 years trying to keep up. I am debt free for 5 years now. All I owed was a car payment but I paid it off 5 years ago before I retired. I am making quilts now and trying to make extra money but it is not much. I know people that have to have help or expect to live off other people but I could not do that. I stock up on food when I retired and now just need a few things a week. I spend about $35.00 a week on food and other things I need. I raised my 3 children by myself when their father left home. I worked and supported them and made most of our clothes.
@@MelissaCoup How do I go about that to find out if I can get it?
Its not living off of people its called helping one another pride will keep us suffering and lacking
I would be interested in possibly buying one of your quilts. Can you tell me the sizes and price range?
@@retiredandpreppingquilting2350 Call the Social Security. They do have help lines.
@@retiredandpreppingquilting2350 it’s called qmb
Giving to the poor and the needy is honorable.
This creates a better world filled with kindness.
Absolute key is living debt free. Still working on that but living below our means right now.
I think maybe the title of this video should be changed from "How to live on $1000/month" to "How we lived on $1000/month in 1994." The details you provide might have been useful 27 years ago but they are not helpful to someone wanting to know how to live on $1000/month *now.* Maybe there is another point to this video that I missed. But for those of us unfamiliar with your channel, who are looking for tips on how to live on a low income now, that title is misleading.
Good point. The buying power of $1000 in 1994 is about $1900 now.
In today's world it would have to be a person renting a room for $600 max. Or they could be splitting a studio or one bedroom with someone. I'm in Connecticut so you usually need $900 to $1000 for rent. Only a few places offer $1000 or less though.
Good point, but they said there was an exchange of work for part of the rent. When my daughter and husband, she is an accountant, he is a chef, were looking for employment, they took a job working for a business owner. They lived in an apartment above the garage for free. As a chef, he had late nights due to entertaining. And delicious leftovers. The business prospered because she was able to track profits and expenses closely. And yes, with savings they opened a restaurant. And every year they would bonus share the employees 10% of the profits.
@@brookecario145 1900 is rich today never made that in my life
@@TheSuburbanBase splitting a studio today would be 400-450
Four years ago I lived off 800 a month.But I live in public housing with free water and gas.Rent was about $265 and I tithed .it was hard but I was happy.
Look at all the seniors who live on less now.
I can remember my mother and daddy paying bills and when we went to get groceries it would be dry beans,10 lb. potatoes and milk. Veggie garden saved our bacon. After a while with better paychecks, they got more groceries.
I receive 1,000 a month pension. Here in my country, food is very expensive as well as the electrical bill. I cannot live on that amount buy thank God I I have savings, so I add 300,00 a month to cover my budget. I do not own a car, and my apartment is paid for, but I have to pay the administration fee, which is high. I am absolutely debt free. I also help a family member every month. I live very comfortably and never will I owe a penny to anyone. I am 76 years old, and I manage very well, thank God..
You're also being blessed by helping your family member.
@@maryjones8039 . Hi. I live in a developing country, I live in Chile. Prices are similar to the US, except for food, it is more expensive here. Where do you live?
I love the idea of Golden Girls or generations living together and everyone help each other !
That's how they used to live!! Sounds smart, actually
@@carla689
Exactly. Grandparents were build in child care, and great teachers to the little ones.
Today many children hardly see their grandparents.
@@d.l.l.6578 Great point!👍
@@carla689 00
My husband and I grew up in the same town. One day he was talking about a book store in town that I had no memory of. He asked me "Where did you buy your books?" I told him we went to the library. He said they never went to the library. In the summer we walked to the library every week. We would spend hours using items in the children's section (puzzles, view masters, a lap harp, etc.) and then pick our books to check out and walk home. We loved going to the library. We didn't know that my parent's were saving money. We just knew we were having fun.
I know that this doesn't work for where some people live but for those folks watching this who don't live in a remote area make sure you check out the local public library. The library in my town has all kinds of services available. In addition to the expected books and magazines they have video games, board games, and various other activities to entertain kids. You can check out museum passes, DVD's and they have a "library of things" from baby gear to kitchen items to gardening tools to crafting items that you can check out for 7 days. And don't rule out checking out your local library because it is small. Many libraries belong to a consortium where they can request a book or movie you want from another library in their consortium.
It’s still possible today. I’m doing it now with a bit over $1000 a month. It’s my husband and I. House payment, home owners and vehicle ins., property taxes, utility’s, WiFi and phone, vehicle gas, all meals are cooked at home, and all extra is put back.
That’s awesome 👏 I would love to see your budget 😊
LOVE YOUR CHANNEL 💕
We live on about $1400 a month
585- rent/water
215- electric
125- car insurance
90- internet
20 - life insurance
14- hulu/disney plus
14- phone
9- amazon
300- food
In my area most ppl pay just that much in rent alone
We're saving every dime to buy land and a house
@kaitlyn young Where can you get $585 rent? That’s really the budget breaker for most people.
no gas?
@@suec2117 You can rent rooms if a house is renting rooms out.
How many mouths do you feed? Any pets?
What exactly are you renting on 585?
I always tithe first. Jesus has always taken care of all my needs
@Cheryl Glenn Praise God! He always does. Will keep you and your family in prayer. God bless
I'm going to be living on about $1000 a month soon. I am a home care Giver and my client is at the end of life. I really could learn how to live on about $50 a month for groceries.
Tons of ways to save IF you are willing to do the work .My husband just colored my hair and I cut it .
I cut his as well . Just saved $90
I agree with tithing, we have tithed for many many years and God has always blessed us
Last year I lived on $700 a month and only 50 in food stamps. Things are better this year finally
That's amazing. I would like to hear your story.
@@cortashaelam320 I was working 45 minutes away from home for $7.50 a hr part time around 25 hrs a week. Now I work 7 miles away and deliver pizza. Lot more money there. I only pay $665 for mortgage and utilities. So I have money left now every month.
I love your hair Tara!! I went gray 7 yrs ago when I found out I was was going to be a grandma and sick of coloring it every month
We got our bible. Thank you.
We live off 1750€ each month and save half of it.
@frugal gurney in France how do you do it?
@@suec2117 go over to my RUclips channel, watch my videos and see. We live a great life.
Thank you for talking about tithing. So many frugal people pay themselves first and ignore God. It’s a breath of fresh air listening to you both.
My family of 3 currently lives off about $1600 per month. Unfortunately we do have a car payment and I'll be so glad when it's gone. 😥
Amen on tithing and the sacrificial giving.
Tara and Mike....the whole thing that made it possible to live on a $1000 a month was your mind set. Good job. Thanks for sharing.
Oh my word! That is SO funny that Mike maybe actually worked for the feds and didn't know it.
LOL! He did!
How can you ONLY SPEND $50/month for FOOD! Even back then, that’s crazy!
I subsribed because you guys are like everyday folks. Not fancy youtuber that no one can relate to.
"Always be trying to look forward to improve," great motivating reminder, guys, love it! 👍
Thank you so much for inspiring me to work on my budget again and get back into a lower cost of living situation
We just talked to the bank today and we are going to refinance we will drop a point and save us $250.00 a month, that definitely will help our budget, we live on $2500 a month.
Love you guys thanks for having the courage to speak your truth!!!!
Hi Mike and Tawra I just wanted to say thank you for your RUclips videos; I can be debt free in 3 years or earlier. You really can do it if you put your mind to it. Blessings to you and your family.
27 years WAY TO GO YEE HAW.LIVED ON 625.00 ON DISABILITY YEARS AGO
my priest says "Yeah 10% may seem like allot but God leaves you 90%."
Love that!
Good that you are generous
My pastor said that as well and it really put tithing into perspective for us.
That is spot on!
Tithing is beneficial to church to grow and fund ministries outside the country and spread the word pf God but some churches it is for profit.
I 💘 you guys! I especially love how supportive your husband is
I can relate to what you're saying as we spent years living off of less than most people thought was possible! I'm thankful for the skills it taught us that continue to help us to this day! Thanks for sharing your story. I can also relate to having chronic fatigue that isn't fun, but again has taught me much.🥰 Blessings from South Australia💕🐨
I like her hair. Such a nice shade of silver! I let mine grow out at 43 yo., a year and a half ago. One of the best things I’ve ever done.
$1000/mo in 1994 in a small town, is more like $2500/mo now here in the mid Atlantic. So yea, it is doable.
@@---Joy--- That is exactly why I don't understand the absolute of purchasing a house. Sometimes it is a good sound investment, but sometimes it is not. Even if you "own" your home, if you cannot afford to pay the Property taxes, the government will take that home. So you never REALLY own that home. Usually when someone buys a home not outright, there is at least a 10 year mortgage. A LOT can happen to an area in 10 years to make it unlivable, crime, poverty being the main things. I still think there is more than one way to do things.
No it's around $1700.
@@LivingOnADime adjusted for inflation in 27 years plus area adjustment? I assumed it would be more. I can tell you, in my state, you cannot rent a room for less than $500/mo. $1700/mo for 2 people would be extremely tight.
I think the trolls on here are funny. They say it’s impossible to live on a thousand dollars month and here I am doing just that here in Oregon. Which is an extremely expensive state. They just can’t be convinced so the same person has to comment on every other comment saying it’s impossible. Living on a $1000 month isn’t pretty but it is doable. It just takes more work and sacrifice then some people are willing to do.
Average rent in my small town in NC is $941 for a one bedroom apartment. Fortunately for us we are debt free. No mortgage or car payment. Even with no mortgage $1000 does not cover all our bills due to property taxes. Could we move? Yes.
Maybe find a half house you could get and exchange work for part of the rent ?
I live in NC. On 1000 a month. Don't have anymore rent is 615 have gas, light ,internet, phone, food. The only time I get any outside is thru my kids. And I'm one of the blessed ones.
O
O
Now that I know you live in a $400,000 house-I’m not buying what you’re selling. Wish you the best-but you’re out of my league.
Their house is appraised at that value in Colorado for the current over inflated real estate market in this crazy state. Don't judge on that alone.
They didn't buy the house at $400,000; their home appreciated over the years . My husband and I have lived similarly over the years, frugally, and we bought a small home. Our small home has appreciated more than 3 times the amount we paid after 10 years of ownership. Live below your means, so that you can own assets instead of being indebted. She gives her knowledge on ways to live below your means.
Mary Faber you are being judgmental! Are you jealous of how they have succeed in life from where they started? You can still learn from them. It is not to late to try to improve your financial situation. You are the one that prevents change to occur.
I did not know you were interested in buying anything they were selling. What I do know is you can't steal someone's testfaithfulness. Lord rewards hard work and faithfulnesd.
We had an Italian man who lived above us in a duplex who opened a restaurant in our town and one day he just up and vanished and left his restaurant, my husband and I think he was in the witness protection because he would have a man come visit him once a month at 3am on the dot. Weird experience lol he was a very nice man though
Always love your videos! Thank you .
Good for you for tithing! I feel the same way.
That’s a beautiful house and yard . I think it’s just going to take time for some adjustments and you will be able to enjoy it. 😊❤️I’m happy for you Jill. Don’t worry, everything will be ok. 😊
I'm doing good on $1 k a month if I didn't have to pay for dental.
Got my Bible and Cooking on a dime super fast thought it would be take much longer love it! Are you considering a canning and one on dehydrating
When we first got married my husband was in the Army. We made a deal with a landlord that let us take out of the rent for work on the house we were so happy. After several months of working unbelievably hard and house was looking really good landlord put house on market. We were kids learned valuable lesson. Get a lease.😊
Enjoyable video. Your smiles, love, enjoyment of each other, good health and shared faith are total wealth. Get some clear goals and a plan and you will be fine financially in retirement without scraping by from month to month in the temporal world.
The BS degree lol 🤣🤣 bologna sausage 🤣🤣🤣
Any one can do anything as long as you have the mindset and with God in your life, tithing is definitely a must and then pay yourself then pay your bills.
Love your sharing thank you,
God Bless both of you your family and your Mom, Happy Easter ✝️
I agree 100% about tithing. 👍❤️
we live in the boston ma area. we do live in a great town about 20 miles south of boston. but we live pretty low budget. our weekly budget is 1235.00 or 5k a month.
Super video! 👍👍👍
You guys are awesome and God has blessed you!
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Thank you! You made me laugh. Lord Jesus continue to bless you & yours! Old Grandma👵❤
You too are a inspiration.
Oh my goodness! Hilarious! Thank you for sharing!
Thoughts on stockpiled food, toiletries and medical plus solar panels, and long term storage
Very good advice!!
These couples is so amazing
Great video. I love your stories. 🙂
You are both fantastic and hilarious. Love .
Thank you for this video
These two remind me of the McCallister's sitting in the police station on Home Alone 2, laughing in distress.
Hubby and i live on that per month.
We have section 8 for housing,we are on a budget plan for electric
Gas is included in rent
We have public aid insurance,for me,he,due to a disability,plus being a veteran,marines,he gets medicare,plus medicaid
We use ebt cards for groceries,and a local food pantry as needed.
Our bills are always paid,and current.we always have what we need each month.we always have laundry money each week.we do not have an in unit washer/dryer,and our laundry facilities are a joke.4 microscopic washers,that do nothing.4 microscopic dryers that do nothing.it costs $8 per single item to soak,and stink.or,local laundromat,do 120 pounds of laundry,clean properly,and dry completely,for $20.which would you choose?
Dear living on a dime. You are just such a wonderful couple. God bless you.😀
Best regards
Martin Lars Walsted
Thank you! 😃
smart people ,i learn a lot
I dont tithe but I'm ok with it because I give every month to causes i feel i specifically want to help.
A wise priest told us that the 10% should go "to God", but not necessarily the church. It was literal money out if his pocket to tell us that, but lots of organisations out there doing God's work.
We want to live with what we have so we don't steal from our future self...wow that's profound Mike!
Tawra I made your Pumpkin Roll cake, I followed the directions Exactly. My husband loves, and I mean, Loves it! He wants me to make it again. I just have to roll it a little tighter. GOD Bless the both of you. Merry 🎄 Christmas!
well I was with you until the tithe thing. That is your choice. Good luck. I would not give money to a church. I would give to people that need it, not some church to build bigger temples. or whatever they are called.
Truly amazing and well discipline
Its easy.....untill people realize they have to "unplug" and actually cook to save $
💖😎 Cooking is fun and you can do it much healthier then ready made take out junk so called food.
I love how you two share your financial journey with us and giving me insight into your situation and reflecting on my own. That's really funny though about the government agents! I think they went along with it and had a lot of fun with Mike during working hours.
I worked a a nurse in a state run hospital besides having a pension I put a state supported Traditional IRA and a Roth IRA. I put six percentage of my pay check for 20 years. At first it was slowly going up. Then ten years I was getting it started climbing. As my raises from promotions really added. So from 5000 every increase it now compounds faster and faster. It’s 200000 in the traditional account and 80000 in the Roth. The traditional gets taxed. The Roth is taxes before you put your investment in. And not taxed when you can retire. And draw on it. I also have pension and at 62 it will be 5000 a month Sooooo my father was a a stock broker and taught me well
I live on less. Of course I am debt free. I agree with you on tithing.
Average rental properties (apartments) in my area in southeastern NC are $700 a month. Water and sewer included. Not electricity. When we moved here in 1989 it was $320 (no electric.) Add electricity it would be $150. We are at $850 in 2021. I could easily do $50 a month now on groceries with what I have learned over the years. Not then! LOL! Cheapest car payment $200. ( I know, buy it with cash) Making $12000 a year now would take a long time to save (I need that car to get to work.). Car insurance $ $80. If I am in the city I could ride public transportation. (Did that 30 years ago.) About $60 for a monthly pass now. If I were in the country as I am now I would really need that car. No money left for anything on only $1000 a month in 2021. I believe that every situation is different. There is so much more that might be needed. Clothes, medicine, etc. Hard to compare 20 years ago to day. My opinion. tfs! Blessings!
You make the choices on how you spend the money you are given. Car payments are NOT a necessity. $750 rent is NOT the only rent available.
@@LivingOnADime -in my area it is. You could do an efficency at $550 or share an apartment ( lowest in our area.) Not everyone's situation is the same. Choices, yes, not everyone has the same choices depending on where they live. I really believe it depends on the persons situation, so many factors involved. None of us can concretely say that what I did you can too. So much has changed in my 30 + years here. Not trying to cause an arguement. You are right about tithing. Sweet JESUS has always met our needs. Again, ty for sharing your experience. It may just get someone to thinking differently, which is what I like about your channel. I am a sister in CHRIST!. Blessings!😄
We chose to move from where we live. It's only 15-20 minutes further away from my workplace but literally just half of the rent we're paying now... the place is still nice and even tho we will spend more money on gas, we still save because the budget for rent is much lower... I was inspired to look for another place after wise people once said:"You can move. You are not a tree." in one of their videos :)
@@YeshuaKingMessiah You don't start with a$5000 car. You start with a junky looking car that has high miles but runs good and drive it till it dies .You save the money that you would be putting on car payments plus you sell that car for junk and buy a $3000 car ,repeat ! We did that and paid $7500 for our last car cash !
❤️
How did you budget in medical/dental?
@Jordan Will Tawra and her family live in the United States and they say that they did manage on $1000 per month. I asked how they budgeted in their medical/dental. Your answer for seeking outside of the United States for medical and dental care was not an answer.
The part of the budget I don't get is how you managed to get by on $50 per month on food even early 90's that sounds next to impossible unless you're raising most of your own food.
No it's not and we don't and didn't raise our own food.
@@LivingOnADime , o.k. so what exactly were you eating for that amount of money.
@@YeshuaKingMessiah I got $120 a month for 2 adults and 2 Children for groceries. A whole turkey will go along way and is cheap
If you are genuinely looking for an answer, Aldi or other low cost grocery store...purchase, rolled oats, , peanut butter occasionally eggs for breakfast. Bread, bologna or other cheap lunch meat or pbj sandwiches , carrots celery bananas apples for lunches. Buy a couple whole chickens or turkeys when cheap. Roast those for meal, use meat in casserole, make soup with carcass. Frozen veggies are fairly inexpensive. Cabbage and potatoes go a long way. Buy marked down beef for a change. Not glamorous, and by all means visit a food pantry if needed. Find a discount grocery store with close to exp date foods.
@@YeshuaKingMessiah I highly recommend searching Julia Pacheco on RUclips. She has really great recipes using simple ingredients but tons of flavor. We don’t spend a lot on groceries but cooking the same type foods in different ways provides good variety
and how many years ago was that $1000 a month?
Darlene Connally
So the first one, 100 dollars on tithe, at first I thought you said Tide, the laundry detergent. I was wow that is a lot of laundry!
Its hard but it can be done, we went from over $3000 month to $1000, it has been hard to adjust... We live in a small town with a small grocery store and next closest town with grocery stores from here is 150miles away so I either order groceries online or buy stuff on sale to balance food costs ... Thankfully we dont have a lot of huge expenses, we do have 3 small credit cards to build credit rating, we would like to buy land and so our payments are under $100 combined .... We had to do a lot of adjustments when we lost 2/3 of our income, we cut of 2 cell phone and just kept hubbys since he actually needs it, we cut back on tv subscriptions and just kept 2 (hulu and netflix), cut back general spending to what we need or stocking pantry (I keep up on staples, canned goods, household items, hygiene and cleaning items when I find them on sale to keep costs down), we've never been people that eat out much or buy snacky foods but we have a kiddo and she still wants stuff, so when we do want snacks or takeout I try to make as much as I can, discovered that burgers and homemade fries are actually yummier and a fraction of the price so we havemovie night and make our own burgers or Pizza, barely costs anything to make and I usually have all the ingredients at home, same with chinese, indian and other cuisines we like, Ive been trying out different copycat recipes of things we like and we are finding we actually like the home version better so Ive been making panda express mushroom chicken, golden Correll bourbon chicken, my next try is going to be moo goo gai pan and home made egg rolls, I used to make spring roll and freeze in a big batches but havent in years, should be fun
you look so gorgeous with your salt and pepper hair.
I live on $1000 a month now.
How is it possible to have $50 food bill?
Was your water/sewer included in rent?
yes
Very inspiring!
What year was this? Those are exceedingly low prices
Love the wedding pic!
If I don’t have a church home, where would you suggest I tithe to? In the past, I have given to a local homeless shelter, the Salvation Army, global food banks, online youtube ministers. Living one a Dime subscribers: suggestions?
We watch online churches when we don't have one so we tithe to them. When we don't have any churches we give to: women's shelters, children's homes, ministries that help with human trafficking, individuals who need help (a missionary got cancer and couldn't work to support his family so we sent them some too help) those types of places are where we give.
@@LivingOnADime thank you!
Your story made me think back to when we were newly married in 1979. My husband was in the military and brought home $400 a month. The rent for our small apartment was $189 (almost half)! Thinking back, I have no idea how we made it - talk about living on love! But, we did a budget every month with the dollars we had, never used welfare and never went hungry! My husband is retiring this month, we are debt free and have a nice nest egg ready to go. I think budgeting every dollar every month (no matter how much you have) is KEY!
Thoughts on cash envelopes
Y'all are the cutest couple ever! Love this video ❤❤
My Property Taxes For My House Are More Then 1000.00 A Month In New York State
The ‘Stache!!!
Rent is $1500 a month here in Texas and I make $1000 a month. I have to live with someone. They want $600 a month for a room.
has anyone done the logo car wrap thing for $$$...if ya like the product I think it might be a nice passive way to get cash
Can you try to figure out living that out in this day and age?
My mom has lived on $750 a month for the last 30 years, even now. It can be done.
🌺
I love that you provide for others ❤
I'm just not comfortable with the stipulation of 10% to God