I Am Really Struggling Right Now ( Concerned About The Future)

I Am Really Struggling Right Now ( Concerned About The Future)
Please email me any video ideas to [e-mail] .
My daily Short videos will be about saving money, making money, personal growth, goal setting, weight loss, health, cooking baking , shopping, meal plans, organizing, cleaning, and more. Many of my videos will be 5 minutes or less. My goal is to have variety.This channel is about being Centisible in all areas of our life. I may do occasional interviews, lives and taking you with me on daily outings.
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[@tericollier7839]

I have a close family member who is part of the top 1%. He can write a check for $100k if he wants to and not have to think about it. I on the other hand have to think about eating ramen noodles and beans for months if I am to afford, say, a new set of tires without going into debt. I don't feel sorry for myself or let myself get depressed. I just practice acceptance and gratitude and do the best I can with what I have.

[@3TXSisters]

Count your blessings.

[@Sususudio]

Beans are very healthy be thankful 🙏

[@Beachbumbob]

@@tericollier7839 Dave Ramsey book 📙 help us out immensely by giving us baby steps plan The Total Money Make Over and his free KZbin videos and app

[@marianhunt8899]

All good until inflation gets so high that you can't afford even the basics. Then you will have to beg, especially if more work is not available.

[@Beachbumbob]

@@Sususudio not if you are a diabetic or have pre diabetes, to many carbohydrates in them to raise blood sugar & insulin

[@summerjoy247]

You’re not even kidding. My hubby is an engineer and I’m a copywriter and we are not low income, but we have to work real hard to stay out of debt, keep expenses low, save money, and maintain our new home that’s not even decorated lol. Our cars are crap but we don’t want car payments so we are trying to save up but its minimal. Takes a lot of patience…

[@CentsibleLivingWithMoneyMom]

Same here

[@3TXSisters]

You're doing a great job. It does take patience and perseverance.

[@michellejennings3232]

Ditto

[@airlinesarefun]

You said it "New house"

[@Beachbumbob]

@@summerjoy247 check out Dave Ramsey's "Total Money Make Over" 📙 book and follow the baby steps exactly. We retired debt free at 48 & 49 because of that book, now in our late 60s. Cheers!

[@colleenrobinson6413]

I think we all have anxiety right now with the economy and it’s an election year, we are right here with you❤

[@ellenm2873]

And imagine after elections bc now the govt is trying to make it look as good as possibly they can! After elections, we will see the true fallout!

[@3TXSisters]

Yes!

[@truthseeker6370]

You knocked it out of the park on this video, Dawn! As a solo woman almost 60, I spent 8 years total both getting out of debt, buying a modest home on a 15 yr fixed, and saving an Emergency fund for the first time in my life! I was/am so proud of myself! But now the cost of everything from groceries, to gas, to car insurance, to homeowner's insurance has risen astronomically since 2018. After my initial Happy Dance, and after my 10 yr old fridge died, I realized that I needed sinking funds. I became ever more frugal and worked that. Then sewer problems. My HVAC system and hot water heater will need to be replaced at any time now. Yes, I can probably replace them....but then I will be left with absolutely Nothing and no real time to rebuild it. I have several medical issues including an autoimmune disease, so working extra at this point is no longer possible. I am Absolutely not seeking sympathy...just sharing my fear/frustration with how to live the remainder of my life. I still have a full time job but have to use unpaid FMLA when my body decides to fight itself- so lost wages. I daily find things to be grateful for tho! It is so important to be grateful for what we have!

[@3TXSisters]

You have a great attitude! You are a survivor, and you'll find a way to make it work. Good for you!

[@ashjoma]

You are not alone. I am 59 (60 in February next year) and trying to get by as a solo female. It’s not easy. Not easy at all.

[@CentsibleLivingWithMoneyMom]

I love your grateful attitude

[@rusticgardenretreat4892]

Insurance is my big gripe in life as well, but when I look at Florida, compared to here in Texas.... well, if I lived there, I would have to go insurance naked or move to cheaper ground out of state.

[@3TXSisters]

@@rusticgardenretreat4892 Yes, we have high insurance, but our property taxes are much lower than my relatives in Texas. Plus, the sales tax is much higher than where I live.

[@marthaC495]

I knew a family years ago that rented out 2 bedrooms in their house for extra money. Each of those rooms had a dead-bolt lock on the door. No cooking allowed in those rooms. Many rules, but they made it work. Menus were posted weekly. The renters had to sign up for the meals ahead of time and pay extra for them, or go out to eat. Plus the family had 4 children of their own. The father worked at a factory and the mom did odd jobs. Somehow it worked for them. I sold my house after my husband died and now I'm living in my son's garage. It's insulated with plumbing and everything I need. We share expenses too.

[@rusticgardenretreat4892]

I asked my insurance agent about renting out a room, and just know that your coverage for that renter may not offset the rents and hassle you receive given how hard it is to get rid of squatters nowadays from a legal standpoint.

[@Oce67]

I rented out a room it didn’t work out never will do it again. It cost me more money he was always breaking things. He took a snow shovel to my lease car to remove the snow.

[@marthaC495]

@@Oce67 You have my sympathy. The people who did rent out room were my neighbors, not our family.

[@marthaC495]

@@rusticgardenretreat4892 My sympathies. Those were our neighbors, not our family,

[@ThunderStruck94660]

Sorry you are widowed, but it sounds like you are a smart lady and happy.

[@deanna4863]

It is getting harder and harder to live comfortable

[@3TXSisters]

True!

[@truelies3690]

The American dream is just that now, a dream because you have to be asleep to believe it! Long gone are the 1950's , 1960's, 1970's, 1980's, 1990's. That America was great, not perfect or angelic but achieving the American dream was a lot easier than now. Blame our own government, politicians, and us for falling for their lying promises just to get our vote. This will continue to happen as long as we the people allow these corrupt crooks criminals traitors cheats liers theives politicians bums welfare cases government to do it. $10 a loaf cardboard sawdust cheapest of the cheap bread 🍞 coming to a grocery store near you soon. Meanwhile good luck all with the extremely nightmarish frightening horrible horrific high cost of living in USA TITANIC now and will get even more pricey and unaffordable as the months years go by.

[@jamesnewberry1191]

comfortably

[@carolinacooper7068]

​@@jamesnewberry1191Love it seriously that you know the difference between an adjective and an adverb....and how to use them correctly!!!

[@ritapearl-im3wv]

​@@jamesnewberry1191Seriously? This is no time for an English lesson. Shame on you. Can you not stop to hear the hurt expressed?

[@suematile9078]

My advice is keep on saving what you can. You can always worry, but then please be grateful you make it each day.

[@joycef8443]

Absolutely, save ALL you can. Cut out processed food, bottles of water, drinks. Do as much DIY as you can. All hands on the wheel, everybody works because at some point someone will not be able to work any longer.

[@3TXSisters]

Yes!

[@bloodmoon1956]

@@joycef8443over here in the U.K. we’re not even sure our water is safe to drink in some places. Sewage leakage etc. It’s disgusting especially as water bills are going up. I call my bottled spring water my luxury. No way can I drink tap water 😢

[@joycef8443]

@@bloodmoon1956 wow, I have never heard that about you folks. There are places here in the states with bad water, too. We are fortunate where we live and have our own well as there is no city water out here in the countryside.

[@quantumprocess5954]

Life is a continuous prayer until death. This world is not an eternal home.

[@coppingtonfarnham7731]

prayer/struggle

[@lolipopPrincess]

Amen

[@joculp-yq3qh]

Amen!

[@jamesmcclary855]

Amen

[@deebee6337]

Money Saving tip: We are currently eating the stockpiled foods in pantry and eating down the food in the freezers. Doing this to combat inflation, higher prices, instead of going out to restaurants or to the grocer and restocking new foodstuffs. Making a new homemade soup to serve with meals each week with biscuits or cornbread. Living together as Multiple generations family, we can save more money this way. Fortunately that we all love each other and we can get along well, so the arrangement works well for all of us.

[@3TXSisters]

That's wonderful!

[@Jane5720]

That’s going to still be a problem long-term that’s only a short-term solution because you stockpot would have already been eaten and prices can already get higher than that so I’m not sure if you’re doing any good with that

[@joycef8443]

@@deebee6337 good idea to rotate your stockpile! I have finally gotten the old stuff out of the freezer part of the refrigerator! Next is the vegetables in the upright freezer and the fruit frozen last year.

[@debbieframpton3857]

Even while eating out of the stockpile and freezer I'm constantly looking for markdown meat and other markdown food and non-food items to replace what I use

[@rusticgardenretreat4892]

My mother cooked a pot of different beans every day, all meals were served with homemade buttermilk biscuits, some kind of potatoes (or rice) and whatever was growing in the garden or had been put up in the freezer from last year's garden. This is how my parents raised 8 children and several grandkids as well as strangers at the dinner table over their 60 year marriage. To this day, my favorite meal is lima beans and cornbread. There were certain cornerstone stables in our pantry that were served daily, and yet we never tired of them.

[@suecook8379]

Matthew 6:25-34 “That is why I tell you not to worry about everyday life-whether you have enough food and drink, or enough clothes to wear. Isn’t life more than food, and your body more than clothing? Look at the birds. They don’t plant or harvest or store food in barns, for your heavenly Father feeds them. And aren’t you far more valuable to him than they are? Can all your worries add a single moment to your life? ...

[@3TXSisters]

Amen!

[@monikamarsollek3493]

Hi, Dawn, I can’t complain, though I’m not rich, but thoughtful. But, there is a big BUT: we don’t own a house, we’ve a rented apartment with a small garden. Lovely, but not ours. We’re living here for about 30 years. I see house owners need a lot of time and money to keep everything going. My insecurity isn’t the same, though it’s there, too. I’m glad I love the small things more than diamonds like flowers, books and wool, gardening and painting.. quite cheap hobbies which make me happy and let me enjoy the now. One thing is secure: that nothing is secure and can be taken for granted. Love, Monika❣

[@Joyce-id3dr]

30 years renting you could have a house paid for and the value would have gone up a lot.The value of my home has tripled and it's paid off 15 years early.

[@penelopeprimrose90]

There are times I would like to rent instead of own. We have had a lot of maintenance over the years and it seems to be never ending. But I did put pencil to paper one time and jotted down the major repairs and renovations we've put into the house, all the property taxes and homeowners insurance, and compared it what we would have paid in rent over the past 18 years since we've lived in this house. We still come out ahead owning instead of renting. Plus, our home is paid off and has tripled in value since we purchased it. We sold a home before we bought the current one and put that equity toward our current house. When we sell this one, we will downsize and purchase our next home with cash. The maintenance can be a headache, but most people build their wealth through home equity.

[@nesadcruz7840]

Renting can bring uncertainty. Maybe you have bern lucky but most tenants have recently seen rents skyrocket.

[@Harry-fk5of]

@@Joyce-id3dr if you can't save for a downpayment it doesn't matter if you can more than afford the mortgage month to month, it won't be an option sadly

[@lindsaybezet3517]

I encourage everyone watching to pray that God will provide for your family. Trust in Him to lead and provide for your family. God bless everyone watching.

[@3TXSisters]

Amen!

[@crystaldon4995]

Ty!

[@jeniedwards5999]

Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Matthew 6:25-34 NIV

[@andrewbrendan1579]

I second the motion. I also believe and praying for God's protection and provision over every area of our lives including finances.

[@lindsaybezet3517]

​@@jeniedwards5999 Thank you for posting this beautiful Bible verse! Have a blessed day!!

[@Nisa-gm5wg]

The writing has been on the wall especially the last 4 years. I had an urging to be debt free back in 2013. March 2020 we were completely debt free ( home, student loans, credit cards, college funding for 3 children completed, 6 months of emergency savings and planning retirement at the same time once consumer debt was gone). One week later and everything shut down. My hubby had to work from home and I was an essential worker. I used the last 4 years to learn some skills. I garden, have a pantry (2 year supply of food and essentials) , learned to can foods, cook just about everything from scratch, sew/crochet ( my daughter is teaching me), and earn extra money from a side hustle by baking for others. We also live a frugal lifestyle. Was it easy? NO! Did we get laughed at. YES! Did I even care what they thought? Not at all. Now those same folks are looking crazy and constantly complaining but unwilling to make any changes. My older two children have graduated with master degrees and have good paying jobs and they are debt free and live how we live. My last child is still in high school but she is frugal herself and earns $ by sewing / crocheting. We are blessed and I’m so grateful to God for giving our family the wisdom and discernment to listen and observe when things were going sideways. I pray that others will listen, learn from their mistakes, educate themselves and make the changes that they need.

[@annmariemeise1306]

The price of groceries are out of sight!!!

[@randomhodgepodge8902]

I seriously just want to cry when I go grocery shopping. Of course I don't because we are all in the same boat and no one wants to see an old lady standing and crying at the store.

[@Sheryl777]

@@randomhodgepodge8902 ❤

[@joycef8443]

Buy less.

[@RuthParsil]

Agreed

[@lizadivine3785]

Eggs here $8.99 !!!!

[@cindynok]

Usually working harder, working more-makes more money. More money to save, more financial security. Doing your own yard, repairs, etc also saves money, but requires more time working even at home. I am 70 years old, have never paid anyone to do my yard, paint, and general repairs. I only go to the beauty shop for a hair cut, never have artificial nails, lashes etc. I do not have cable, I drive an older car, and I can write a check for anything I need. But it took years to build the security one day at a time. And the up side of all of this is the skills one learns along the way. I have a pacemaker, two complete knee replacements and other health issues, but at 70 I am able to take care of 30 acres, 3 acres a yard, cows take care of the rest. It all pays off to be self reliant.

[@joculp-yq3qh]

You are very blessed!

[@janinemanley7818]

Hi from New Zealand....it's the same ...I'm 71 and life in New Zealand has changed so much....we had a wonderful health ,education system...not now....cost of living is way out of control....unemployment high...we have always have budgeted....but when everything keeps going up it's hard to keep up.

[@3TXSisters]

Sorry it isn't better there!

[@sueg7174]

Me too from NZ.. Eggs $8 cheapest meat $13 for 400 grams .Rates going up 7%.next three years in a row. Electricity everything !!

[@3TXSisters]

@@sueg7174 Wow! That's expensive!

[@bria2596]

There is no way to ignore that the basic groceries and home supplies have gone up around 40-50%. Eggs doubled in price since August. These higher basic expenses slow down how quickly the emergency fund could be rebuilt. I have a list of when things will need to be replaced over the next ten years. I try to have saved the projected amount at least a year before I expect those things to die in the house (oil changes, tires, unexpected dental fees, hot water heater, A/C, fridge, stove, etc.). I also did that with future medical events I knew were going to happen (knee replacements), with a buffer for those that might happen (an ER visit). I also save for completely unknown events, which time has taught me will happen. When life rises up and smacks me, I am very grateful when the emergency fund has enough "extra" in it to handle the unknown. I am willing to sacrifice more costly "wants" for the security the emergency fund gives me.

[@3TXSisters]

You're so disciplined! Great job!

[@kellir.747]

Talking about how affordable things were in the 90’s, but forgetting how awfully expensive things were in the 80’s. We practically lived off of credit cards in the late 80’s and early 90’s. I decided to go to college as a non-traditional student in the 90’s. Worked a full time night shift hourly job, plus an internship and a full load of classes. We were just barely squeaking by and not making a dent on the credit card balances. Graduated in 1999 with an engineering degree, paid off credit cards and student loans within three years. Contributed to a 401k to get the company match, and increased contributions whenever I got a raise. Paid off a 30 year mortgage in 12 years by making extra principal payments and retired debt free. We all have our struggles. I call BS on anyone looking back and saying things were easier back when. I worked my butt off to get where I am, and if something unexpected should come up that I can’t cover with my emergency fund, I’d work my butt off again to get out of the red. Everywhere I go, businesses are hiring.

[@LivingOnADime]

Living in poverty STINKS!!! That's why I'm Living on a dime to GROW RICH, not living on a dime to just make it to next month and hope nothing major comes up and sinks me!

[@CentsibleLivingWithMoneyMom]

Hurrah. You all are brilliant

[@rusticgardenretreat4892]

Be careful of who you marry or it can all be for naught.

[@sjbutler2330]

That's why I've stayed single for25 years!

[@GrannyLinn]

That happened to us earlier this summer. Almost totally drained our emergency account (which was pretty darn good). Electric, appliances, medical, then my cat got sick (more of an upset than you might think reasonable). My head was spinning. We prioritized (Kaylee first, sorry but she’s 16 and family), did the best we could and survived it. Now we’re clawing our way back up. Almost there. You know about this better than most of us. Our medical system in this country is shameful. Kudos to you for having your house paid off and no consumer debt!!

[@CentsibleLivingWithMoneyMom]

Best wishes to you

[@deborahcope5879]

I know the feeling retired this year had to do a major expense to the house replace tire still need to replace the other 3 remoled the house not a want but need but God is good have everything I reay need

[@christines2787]

@GrannyLinn oh, i understand. I just paid $2500 because one of the collies ate a rock.

[@Sheryl777]

@@christines2787 😢

[@marilynpeppers1356]

My 17 year old cat went to cat heaven this week. Hubby and I had a cat funeral. Cried till I got a headache. 😢💟😢

[@doloreswilson6698]

64 years old here. I'm working til 70.

[@lynnie57]

My husband's 70, and still working.

[@3TXSisters]

I think work helps some people stay healthy. I pray you can retire when you're ready and can do it without sacrificing!

[@vickielaird6639]

Almost 63 and I’m planning on working till 70.

[@LilyGazou]

I’ll be working until I drop.

[@TheLongRunwithJoelandChristy]

I appreciate your honesty. Take a deep breath and remember that God is still in control. Hopefully that will give you a little peace in the moment. ❤

[@3TXSisters]

Amen!

[@bria2596]

Excellent video Dawn, you are not alone in the worrying. We lived through this in the late 70s to the mid-80s, and it was no fun at all. We know that it is a very difficult time economically, even when we are very careful. * Home, Car, and Medical Insurance coverage is a big issue: For Insurance coverage for those over 65, I have found these worthwhile YT channels: The Retirement Nerds, The Medicare School, and Holy Schmidt, I like these the best. Weekly, they present very helpful explanations and breakdowns for those of us who have to chose a Medicare insurance program. These channels show actual costs of common health bills, and how much of the bill each of the common Medicare programs covered as well as the final cost out-of-pocket for the patient. It is very important to know this info - and it is free and solid info on these channels.

[@3TXSisters]

Thank you for the information!

[@rusticgardenretreat4892]

Ya know, when I hear my kids fussing or hear stuff on TV, I think to myself it was MUCH worse in the 70's and 80's when interest rates were through the roof at 18% on a mortgage and you could not use a credit card to pay for groceries. I remember those days well. I tell my kids that I am poor now, but I have been poorer with more mouths to feed.

[@janetreindl1711]

Yes! I'm turning 65 this month and really appreciated the info put out by the Retirement Nerds!

[@theresariter]

Thank you for this info! I am 64 this year and want to be well informed about medicare so that i choose correctly.

[@RayTator]

My husband and I have lived payday to payday for years ! We are debt free and in our 70s now we gave up t.v. Car and only have what we need our senior rent is 1000.00 a month all utilities inc. we now finally can save a little and buy the food we like however it’s still crazy when a loaf of bread here is 5.00 and mayo is 6.00 a jar. We can go out for lunch once every two weeks I feel now like we are thriving for the first time in 56 years .Lynn.

[@CentsibleLivingWithMoneyMom]

Congratulations

[@3TXSisters]

That's wonderful!

[@trudyhattendorf1821]

Yes, it's wonderful

[@ThunderStruck94660]

A car is a huge money pit, paid off or not. Nice job!

[@patricedixon2634]

Where do you live with bread and mayo prices like that? I can get those items for less than 1/4 of that price. I'm in the south.

[@lindaeby8364]

This was an absolutely spot on video!!! I resonated with everything you said! We just cancelled a 4 day vacation because our water heater went out (2500.00) and our dog needed surgery ($1500.00 and still not done)!! We can easily live off what we make but saving is hard!!

[@3TXSisters]

It's great that you're responsible enough to recognize what's truly important in your lives. Quite a few would've gone on vacation and charged the other expenses. That's a big win!

[@CentsibleLivingWithMoneyMom]

I am so sorry about that

[@pearlperlitavenegas2023]

2500!? I replaced mine with a 50 gallon electric smart 12 year for 500 plus $400 install.

[@judiashley5818]

There must be a water heater epidemic mine went too which l knew it would. 2100. I got a quote last year for 2800 so waited. Basically got another year and 700 less.

[@judiashley5818]

​@@pearlperlitavenegas2023mine 2100 but it's top of the line and no maintenance needed

[@maryklus1430]

Try not to stress. Many are facing huge rising costs of almost everything. Hang in there. I am 70 and still work 2 days a week to bring in more $$

[@3TXSisters]

Good for you!

[@frederickmuhlbauer9477]

Same here I’m 70 and run a resort on the Med with my 46 year old wife Getting harder by the day

[@berlinmiller4617]

So true, it's frustrating, discouraging and scary. I try not to worry, but thats hard, too. Thanks for sharing, as you are being an encouragement in these times.

[@3TXSisters]

I agree! I like that she is so encouraging!

[@conniecornsilk2955]

Yes I agree, things were more reasonable back in the 80's, 90's, even the early 2000's I bought a older home for $105,000 2bed, 1 bath, big backyard, my payment $675. I was single woman back then.

[@SISSYKAY]

Same! Bought house in 1998 for $103,000, mortgage was $583. Single then too. Retired now and times are tough now. 1 dozen eggs $4.99 and in some places $6.99 ! Grocery shopping is a nightmare. Prices ridiculous now. It's crazy.

[@3TXSisters]

Good for you!

[@Jendromeda]

our first home and permanent home (we never moved in 4 decades) payment was 479 and it included taxes. the only good point is our house is paid off, otherwise, we are completely broke. our taxes went from 1000 to 6900. CVS wants $6 for a box of crackers this past weekend....i just keep walking....

[@Joyce-id3dr]

My house payment was 487.00. My grandson pays 1,200 dollars monthly for a 2 bedroom apartment without a washer and dryer. My other grandson bought a house at 3 percent interest 2 years ago; the house payment is less than 700 dollars a month. It's already valued at 75,000 more than what he paid for it. Buying is the way to go.

[@sueg7174]

​@@SISSYKAY I live on New Zealand Costs are terrible. For comparison th cheapest eggs are $8 a dozen and if you want free range they go for $11 to $12.

[@TeresaS-q7x]

I think two things, first, everyone in the household should be working and bringing in money, even if it's just $250 a week, that's $1000 a month, and extra $12,000 a year. Second, this is a good lesson for the younger folks to save, save, save, because when we hit the senior years, we NEED savings.

[@douxchats2868]

Indeed, looks like there are lots of members in this club! Every time I have a worry, I say a prayer....it keeps those two forces balanced 💜🙏

[@CentsibleLivingWithMoneyMom]

Love it

[@3TXSisters]

Yes and Amen!

[@heatherrowe2979]

I am struggling deeply with these thoughts as well Dawn.

[@3TXSisters]

I think it's good to prepare and be grateful to have the means to prepare.

[@Adaisy45]

Our modest condo is paid off and I honestly don’t know how we would do it with a mortgage. Everything is so expensive. 😢

[@CentsibleLivingWithMoneyMom]

I agree

[@noreenn6976]

My rent has gone up over 50% since 2020. The media has downplayed how much rents have gone up.

[@Jendromeda]

our modest home is paid off and we are same....could not do it now if house wasn't paid off. we have to scrape together money to handle the taxes twice a year.

[@3TXSisters]

I'm so grateful that we have a secure place to live and have no debt.

[@Smooshes786]

I have a mortgage renewal next year. I’m not even sure I will bother if the rates are still high. I may ask for a personal loan instead and see if I have enough to do that.

[@lubas4945]

A senior citizen here. I have a bit of a different concern,and wonder what people think about that. Its just the two of us..husband and I. What happens if we should get incapacitated? We have no chidren,friends retired and moved, no family,not a soul....what do people do in a situation like that? I am scared and think abou it often.

[@sueh6287]

As a first step, you may want to research what services the government can provide. The National Institute on Aging has some information in their section on "Services for Older Adults Living at Home." You can also google geriatric care managers to see if utilizing their services might be a viable option. BTW, I'm a childless senior, too with only 2 elderly siblings living over 2,000 miles away. Husband and I are in good health now, but plan to hire a geriatric care manager when we're older or in declining health.

[@michellehowell1228]

That is scary! Can you find friends in a church?

[@nesadcruz7840]

You are right to think about that. What about a Retirement village where you have support services?I am not worried about money but rather the problems money cant solve. Like Health problems which btw can come at any age. In my opinion money problems can be resolved but I have never had to worry about that so I have to add a disclaimer that I am not invalidating or undermining those who do. However, problems that money cant solve can hit anyone. Regardless of Financial status.

[@trudyhattendorf1821]

Possibly assisted living or hire a person to help you out, of course with background references

[@lindc1070]

Do you have nieces and nephews who can help you out? At least help you make arrangements.

[@glorialafollette61]

It’s hard for one person to support 3 people even when one pays for her own personal items.

[@maureenboland4189]

Hint, hint, wink, wink and nod nod!!! All need to equally pull their weight.

[@pearlperlitavenegas2023]

@@glorialafollette61 no judgment please 🙏

[@Harry-fk5of]

It's hard to support yourself on a single low income let alone 3 people

[@sjbutler2330]

Try to think out of the box, different ideas to make things work! 1- make yourself available to food pantry useage, if you need it, use it! That is what it is for. 2- families living together and sharing costs, expences. 3- renting out a room or basement in your home for income. 4- sharing outdoor tasks like lawn mowing, gardening vegetables victory gardens are popular.5- menus changes. More potlucks, homemade soups, stews and casseroles are coming back in style again. Round out your meals with salad, bread,buns. No pop too expensive! Forget junkfood, wasted calories! Back to basics. 6- try no new debt! Build up your savings, invest in safe venues. Pets we love, but they are too costly. No new pets! Expect the unexpected! Great topic Dawn! 🤗

[@3TXSisters]

Yes! We have talked about getting a dog, but it's too expensive to take care of one.

[@cherylawitherell1800]

​@@3TXSistersI want a pup so much, but not feasible. Very expensive to take care of a pet properly today

[@joannetaggart4136]

Good ideas. 😊

[@christines2787]

@3TXSisters - if you really want a dog, you might be able to permanently foster a dog who is older. Our rescue pays for all expenses other than food if you take a dog that is a senior or who has health issues that make it unattractive to adopters. My daughters first collie went blind at 11 months. Many collies have eye issues. Perfect companion animal. Loved 5k races. Loved to almost 14 and only required extra care the last few months, although she did need a bit of training when she first lost her sight. She beat all the other dogs at the hidden treat game.

[@christines2787]

@sjbutler2330 - I had no idea soups stews and casserole were ever out. I grew up with a mom that cooked dinner nightly. We went out to eat once a month or so as a large family group with my grandparents. What the heck have people been making instead? We are having a 3 bean chill tonight with fresh baked bread and I made rice pudding as a special treat. This can't possibly be that unusual is it? We also make a point of eating together each night. That has fallen out of favor, but for us it's easier to transition right into our evening activities. Tonight is Ticket to Ride.

[@Cindyscrossstitch]

Worrying doesn't do anyone good. It affects your health🌻.

[@letitbesaid8888]

Prayer helps ease anxiety about uncertainty. God Bless.

[@3TXSisters]

Amen!

[@valerie718]

Amen!

[@joculp-yq3qh]

And Amen!

[@Fritz0616]

Most of us aren’t surviving the inflation hence on why people are working 2-jobs per adult in their home. We are in a silent Depression so many won’t have the money for emergencies in my opinion.

[@3TXSisters]

I think that's true. At least there are jobs available, unlike the 1930s depression.

[@tamaraliscia3408]

We are not in a recession or depression. We were very close to a recession, 2017 to late 2020. And that's time period is also the start of inflation. Like every other country, we are still recovering from the effects of a devastating pandemic and everything that came with it. Prices were high in the summer and fall of 2020 and we saw empty shelves in the stores. People were fighting over toilet paper, disinfecting wipes and hand sanitizer. Corporate profits got a huge boost in 2017, and corporations came up with "shrinkflation". Recently several corporations finally got the message because people weren't or aren't buying as much. So, they've changed course and are changing their ways a bit. One week eggs are a low, the next week they're high. To have prices go up and down so quickly is hard. Wages, overall, are higher than inflation but that doesn't mean every salary is. Our economy is in better condition than any other country, thanks to new manufacturing, millionscof new jobs and producing more oil than any country, ever under Biden. Prices are never going to go back to pre pandemic prices because that would cause deflation. Deflation happens when all prices drop and you can buy more today with the same dollars than yesterday, which sounds good. Except people put off buying, hoping the costs will go even lower so less money is in circulation. Lower spending means less income for producers/ manufacturers, restaurants, business. And that causes higher unemployment, higher interest rates and more deflation. Deflation can cause a recession, then a depression which would be bad news. I know prices are higher than they used to be. However, I don't complain about prices or taxes because I have no power over either. I don't compare my income, costscor savings to anyone else. I learned that constantly complaining led to stress and anxiety and it isn't healthy. I think complaining can become a big habit and I don't think that's healthy either. I watch sales and manager specials when shop, use a budget and shopping list, save, do the best I can and leave behind things I have no control over.

[@Sheryl777]

Just want to say you're not being a downer Dawn, but a realist. ❤

[@CentsibleLivingWithMoneyMom]

Thank you

[@Sheryl777]

@@CentsibleLivingWithMoneyMom 👍

[@donnamclaughlin9215]

The worry is great. Prayers for our future. We cannot continue with this worry. I agree with your rant. No worries with that!

[@bethbeckermeyer1732]

I don’t want to rich with money, and want to be rich with family and friends

[@3TXSisters]

Excellent attitude!

[@melindaroop1346]

Family and friends don't get your bills paid unless they are giving you money.

[@lindc1070]

I think many people underestimate how much Savings they actually need because at times Emergencies come up in 2s or 3s. The older we get the more savings we need too because some are forced into retirement earlier than planned because of retrenchment or health . Increase your income when you can because opportunitied dont always come by. We have saved substantially in our earlier years so I have no worries about paying for several things at one go in cash.

[@cjhoward409]

My older self (I’m 58) thanks my 20-40 year old self for working harder and staying ahead of the game.

[@sw6118]

Yes, being moved out of the workforce early is highly probable

[@arthurmantzouris4413]

I Hear u Dawn. Many of us are just scraping by. Me inccluded. But if we always think about what if we wont rely on God. And we will alwsys be in a stangnit mood and we wont give God first place in our lives. Im not a realistic only person...I always say place yr plans in Gods hands and he will make sure that everything is taken care of. Proverbs 16:3 and Psalm 37:5 are very important for us to remember. Not the what ifs...😊😊😊

[@pookysboutique]

When the CEO of Kellogg tells folks to “eat breakfast for dinner” and admits they are price gouging above the actual inflation rate, then you know BIG BUSINESS AND CORPS are only concerned about dividends…Walmart is also in that category.

[@Frannieville]

The only thing is I can’t afford any of the big brand cereals. Maybe he means an egg and dry toast.

[@vickiehat1074]

I think more people need to think about moving in with family members and sharing the experience even just have 1 vehicle and split car upkeep and insurance people need get back like it was years ago. It’s going to keep going up and people will not make it on their own.

[@pajamamama5965]

I'm sorry to hear that you're struggling. I'm sure you don't like to hear this but you're in a Better situation the majority of Americans unfortunately. I agree, it's a challenge being frugal all the time. Our washing machine has not been working correctly and it's hit or miss if it's going to complete the cycle. Something's wrong with the circuit board and that's not covered by the warranty. It's not something my husband can fix. We spent an hour researching washing machines together that were on sale for Labor Day. Once we picked one then it was a delivery fee and then it was an installation fee. He said well I need them to deliver it but I'm gonna figure out how to install it myself so he saved us almost $40. The process was exhausting mentally. We're grateful we can pay cash for it. But the machine is only 5 years old so I'm heart sick. My old 1 lasted 17 years. We live in an age when appliances aren't made to last. We always have to live below our means and think of every possible way of saving money and making more money so that we have cash to pay for all the fixes and emergencies.

[@lynnhensley4326]

Yes, my last dryer lasted 8 years. My first one from1977 lasted 20 and it was moved twice. It was not a top of the line either. Too many whistles and bells that people do not need to run up the cost and then repairs are more.

[@pajamamama5965]

@@lynnhensley4326 Wow! That 1 lasted a long time but 8 years is a disappointment. I agree I wish they weren't even made with Bells and whistles LOL

[@bloodmoon1956]

Here in the U.K. I was told that washing machines are only built to last 12 months. Obviously because it’s a con just to get you to spend more money. Disgusting really. A large electrical outlet told me this.

[@KirstenBayes]

Same here in the UK. I'm getting by: can make it through the month, am debt free,and my pension, sinking funds and emergency funds are where they should be. But food, transportation, housing: thats what I spend on - not so much fun stuff.

[@yellowbird5411]

Living on the edge is almost as bad as living in the hole itself. You feel one foot slipping on the dirt every day. Many folks can do things that would make a big difference each month, but don't want to do it. It's not that they can't, they just don't want to get out of their comfort zone to adjust to something different. I understand, but it keeps us locked into our situations.

[@3TXSisters]

True.

[@futurekron]

I started planning for retirement in a non-traditional way...I downsized a few years ago, and purchased a repo'd tiny house before it was really popular. Cheap and easy to maintain, heat, and cool. However, I NEVER thought I'd be on such a tight budget with just daily things (food, entertainment, etc.) I own my car, thank god, but it's getting up there in miles and years, so I worry, but am diligent with upkeep. Very sad to see, but glad I traveled and got all of that stuff out of my system rather than waiting for retirement. Never thought I'd end up living like this, despite being more comfortable than most. Would hate to be in debt!

[@CentsibleLivingWithMoneyMom]

I hear you

[@sagenozko9317]

I have good insurance and still just had to pay $700 in dental work. Thanks god I had money in savings. This video inspired me to keep saving more and keep up with my side hustle. I love your channel. TY!!!

[@cjhoward409]

Sadly most dental ins only covers 20% of more serious dental work like root canals and implants and crowns.

[@3TXSisters]

​@@cjhoward409True, but at least it pays something.

[@judiashley5818]

​@@cjhoward409its so worthless and a crime we don't have it under medical

[@judiashley5818]

​@@3TXSistersbarely

[@sarahmerricks6016]

Same here in the UK. So many are struggling. We just all have to try really hard not to be crushed by all of this .

[@mydanshi9683]

Too many years of government understating inflation so you get a raise but the real inflation eats it all and more. I’m having too many no spend months and it’s boring watching your life slip away just waiting for another payday before you can restart.

[@morningmoodmagic]

It’s so true.

[@3TXSisters]

You're right. The best we can do is what you're doing, keeping on with a grateful heart for what we have.

[@christines2787]

@mydanshi9683 - corporate greed. 3% raise when the cost of the product my husband's company makes has gone up by 40%. I understand that they have faced higher costs, but the % of profit made is higher than the max raise given out. Highest raise was 3%. I'll concede they do give quarterly bonus

[@mkeller8114]

Its the federal reserve and insatiable government spending causing this. Employers just do what they have to to survive. We need real constitutional money again to reign our crazy overspending government.

[@judiashley5818]

​​​@@christines2787exactly corp greed. It's strange the vote for change comments as if Superman Trump is going to change corp 0:04 greed. So bizarre

[@Chutney1luv]

Dawn, your concerns are valid, but it would be a lot worse if you had a mortgage! You are blessed more than you know! I do agree that those darn eggs keep going.up and up and the orange juice too! 😂 A budget is always good! You are not a downer! You are speaking the facts! You're just a realistic person! Thank you for covering this topic with wisdom! (My food bill has gone down $495.00 a month since I stopped buying all of that extra ice cream chips, hamburgers, steaks, and a lot of extra candy and snacks!)😊 I also pray often and have saved for rainey days! 🙏☔️⛈️☔️ Until next time! Keep the faith!🙏❤️😇

[@3TXSisters]

You're so smart! Blessings to you!

[@rusticgardenretreat4892]

I have once again given up eggs. It is ridiculous that they should be so high.

[@BrettKuntz]

Your state has made the top discussion concerning high property taxes.

[@3TXSisters]

True.

[@nancybryant4325]

Save every paycheck even if only a small amount. I’m retired and very frugal. I still put away a little every month. Recently had a water leak in my house and not all of it is covered by homeowners insurance. I’m able to pay the difference thank goodness. Also try to spread out maintenance over the months so it doesn’t all hit you at once. Some things are unforeseen like my cat’s dental surgery last year. My house is paid off and I drive an old but good car.

[@CentsibleLivingWithMoneyMom]

You are a very smart person

[@AvalonMisty]

Consider the lilies of the field......

[@ritadyer9295]

Give us this day our daily bread.

[@rusticgardenretreat4892]

I worry less about tomorrow and try to live more for today.

[@ritadyer9295]

@@rusticgardenretreat4892 reminds of that song: I Know Who Holds Tomorrow

[@wwtjoygbths3993]

​@@ritadyer9295 Preach it. I took the loaf out of the freezer today 🤗

[@ravynwynter9526]

I feel this, trying to find a higher paying job with limited availability due to school age child is impossible. I have a job but sadly doesn’t pay enough. I donate plasma 2 times a week which can make me sick but I have to do what needs to be done. I don’t eat out or do anything for myself. Make my own shampoo, dish soap etc. still hard to make ends meet.

[@CentsibleLivingWithMoneyMom]

You are doing good

[@yellowbird5411]

Two times a week?? That can't be good for you. Have you asked your doctor about this?

[@3TXSisters]

Have you considered keeping children in your home? I thought about how much I paid for childcare and realized I would've made more keeping two children. There's also weekend babysitting that's always needed. Just some ideas.

[@susanpeterson7570]

Do you have to claim the money(on taxes) that you get from donating plasma?

[@ravynwynter9526]

@@CentsibleLivingWithMoneyMom thank you, I need to hear that. ❤️

[@bobbissell2910]

Us too dear

[@Shantelle6253]

I'm on a No Spend + Pantry Challenge for the rest of the year. I just paid out of pocket for a surgery and on the way back from the surgery the autolift for my trunk broke. I need the autolift so i can lift my ♿ in and out by myself. I also need two more surgeries. So...yeah. I'm super concerned for the future. Luckily the surgeries are not life threatening situations and I have time to plan them...but lots of discomfort to endure until completed.

[@3TXSisters]

Oh, my! Hope it won't be too much to get the autolift repaired! Pray you're healing well and not in too much pain!

[@Shantelle6253]

@@3TXSisters $425 for the autolift (including Labor) I have healed remarkably well and with very minimal pain thank the Lord! Thank you for your good wishes!

[@CentsibleLivingWithMoneyMom]

Congratulations. Way to go

[@CentsibleLivingWithMoneyMom]

I am happy to hear that

[@marshaflorom4220]

We will keep you on our prayers!

[@bluemouse5039]

I just retired in April and same as a lot of people , I can make it but I'm not rolling in cash and hate to drain my savings because it takes me a while to replace it ,earlier in the month I went to the periodontist for gum surgery that my insurance only covered 300 dollars and I had to pay 700 out of pocket which was a unexpected expense because I thought my insurance would cover all of it, the next day my wife and I came home from grocery shopping and while inside the house heard a loud noise in the garage like something fell off a shelf , went outside and didn't see anything and just assumed it was a truck or something driving by and forgot about it, but later when we tried to open the garage door wouldn't move , one of the tension springs had broken , I had a repair guy install 2 new ones for 150 dollars, then he says You know your garage door opener is one I installed 15 years ago for you, I'm surprised its still working ,most of them only last about 10 years, Sure enough the following weekend the opener motor just hummed and stopped working, there was another 300 dollars, Then yesterday I hit a pothole in the road and my car started to get slight shimmy ,took it to my regular repair shop and they said one of my front tires had a broken belt and needed a new one , another 140 dollars, Told my wife, Damn I'm getting torn up! everybody has their hand in my pocket this month! I'm just going to stay in bed till this month is over with!

[@3TXSisters]

When it rains it pours!

[@CentsibleLivingWithMoneyMom]

I am so sorry to hear about this

[@andreagardner2335]

We need a new water heater, funny you mentioned it. Plus a faucet, shower head, etc., etc. over $4000. We have it, because we have a chunk of money set aside for such things. It’s replacing it, as we are retired. We have had a lot of dental, hubby got hearing aids, medications have big co pays. The only way we can replenish is when we have to take our mandatory amount out of our retirement. Of course there’s less there to invest there. I don’t know where this will lead, but I am making sure I get to the ballot box!

[@CentsibleLivingWithMoneyMom]

I save money every month

[@susanwoywood6334]

Amen about the ballot box!! Our country and our people are suffering!!

[@judiashley5818]

Make sure you know that this isn't the fault if just one administration or even that government controls greed Corp pricing. It's amazing thst you all think that

[@patricedixon2634]

Government doesn't set prices for these companies raising prices on us. I remember the 70's, 80's era each had its own set of problems so I remain thankful to God and don't complain.

[@KellyWeyd]

Medical emergencies and other things wiped out our emergency fund. We are being super frugal to build it back up. It's hard. Property taxes are going up 18%, every bill we have is going up, and every time I go to the store prices have gone up. Just in the last two weeks I have seen groceries jump up in price. But we are doing everything we can to put bucks in our savings. No frivolous spending right now. Just hunkering down, taking walks instead of browsing stores for things we don't need.

[@3TXSisters]

Yes, it is hard. Take some pride in the great job you're doing!

[@CentsibleLivingWithMoneyMom]

I am so sorry to hear this

[@ctcoburn]

we're in the same boat, paddling as fast as we can! I AM grateful for everything I do have, but those large bills come at you fast

[@dm3988]

Thank you for bringing up the scenario where all the worst-case situations happen at the same time. For instance, losing your job, having to replace the roof, dealing with a sick spouse, needing to pay the insurance deductible, and also having a $5,000 car repair all happen simultaneously. Can we cover all these expenses without relying on a credit card? Yes, it is possible, and everyone needs an emergency fund for multiple worst-case scenarios.

[@CentsibleLivingWithMoneyMom]

True

[@giddythings]

I understand, dear Dawn! I am thinking of some ways to create streams of income. One important factor is that I am the finance department for my family, so I have to think about this stuff like you do, so I get the frustration, too. I love and trust God, and you can do that and be concerned at the same time. It's human. Love you! 💜

[@CentsibleLivingWithMoneyMom]

Love that!

[@3TXSisters]

I agree!

[@LilyGazou]

I have a playlist of side hustles I do. 👍

[@Lapetitebruno]

I went to Walmart and bought a gallon of milk and a loaf of bread here in TN… had to buy their Great Value brand, otherwise it would have been $10 for these two items

[@susanwoywood6334]

Yikes!!

[@CentsibleLivingWithMoneyMom]

Oh wow!

[@suecook8379]

Ol Wally's ridiculous anymore.

[@purplepassionateblue]

Adopting a more minimal lifestyle has improved our finances. We also starting growing some of our own food, this is possible even in apartments on balconies. This is probably saved us several thousand dollars a year at the grocery store. We also resell things we find for free. We pick up furniture etc that people put out at the street for the trash and we sell it on marketplace or whatever for extra income, we make a few hundred dollars a month doing this. We also utilize free groups on nextdoor and facebook or buy second hand. If we are needing to buy something, first we see if we can get it for free by asking on those groups and then try thrift stores. I think a lot of people just head on to walmart because it's only $30 or something, but that adds up and it's probably not a good quality item that will last, so you'll be spending the money again in a few years.

[@CentsibleLivingWithMoneyMom]

You are so right

[@henrysmom1742]

Timely. Just today I had lunch with a female friend, retired but has ability to earn extra money as a consultant on old job. We were talking emergency fund..cash you have on hand or easily access. She told me she had $1,200. We live in So Cal and $1,200 would barely cover a car repair or utilities for 3 mos for her. Yet she just spent $40k sprucing up her condo with new floor,paint, etc. I told her I wouldn’t feel comfortable until I had at least 3 mos living expenses easily accessible, which in her case would be $12-15k. Her jaw dropped and then she told me she was thinking of buying a new car..payments of course. Her car has 86k miles. You can’t fix stupid!

[@nesadcruz7840]

Even 3 months is scary to me. I would say 2 years to be safe because when job loss or any other disaster hits it takes time to get back on your feet. Maybe your friend hasnt experienced a serious Emergency yet. I dont mean like the water heater breaking down but something really major.

[@henrysmom1742]

I agree with you that a year or twos worth is ideal but she doesn’t even have a week! She’s relied on credit her whole life, but now at 69 has little to show for her many years of work at good paying job. She always relied on others to bail her out but now her parents are gone and she has few real life skills in frugality. Scary but I’ve told her many times to prepare for tough times and am always told “I’m coming to your place! “ Um, no….

[@nesadcruz7840]

@@henrysmom1742 she has it, or should I say had it, part of it, but chose to spend it on her condo instead. I dont get how at 69 she doesnt realise she will soon not be able to work at all and will be seeing a lot of other needs pop up. Even with Insurance there will be out of pocket expenses when a situation pops up.

[@suen5006]

Wow, how stupid!! i have a friend who just bought a retirement house in Mexico even though she doesn't plan to retire for quite awhile. Then her US house flooded but she doesn't have money for repairs and she didn't have insurance to cover it! Now she sits in her house with the walls and floor torn up with no cash to repair it.

[@rusticgardenretreat4892]

I don't understand some people- truly! 🤷‍♀

[@christines2787]

I don't believe a high-school education is enough these days. You dont need to go to a pricey private college, but you do need something. Certificate programs. 2 year college. Trade school. Some colleges offer BA and BS programs now in only 3 years. AP classes in high-school are free college credit classes. Our daughter didn't work in HS. She volunteered and took college classes, both AP and free classes for both HS and college through a program at the local community college. Because of her volunteering and her grades, we cut 52k of her college expenses. Check to see if your state offers any programs to discount college costs. We have 4 state schools that are $500 a semester (+fees, housing, books) that brings the cost way down. There are states that offer a massive discount at community colleges for households making under a certain income level. In my state that is 80k.

[@TXJan0057]

Wow what state are you in?

[@christines2787]

@TXJan0057 - I don't like to get specific but I'm in the southeastern part of the country.

[@joculp-yq3qh]

I totally agree with high school not being enough. This country needs workers who have a trade. People that take pride in their work and are reliable. My 3 adult children all graduated from community college, one an RN, one with an electronics degree and another with an associate degree. All are successful. Not rich, but have decent jobs. I am encouraging my grandkids to do the same school route. These student loans are ridiculous, and puts kids behind before they ever get into the real world. I pray for our kids!🙏🙏

[@karynm3365]

Unfortunately, there are plenty of college educated staff at Starbucks. If you're going to a University, make sure you get a degree you can actually use for a career. I went to school for nursing and it was a wonderful career and paid well. I had friends though that had pretty much worthless degrees.

[@trixie9777]

My in-state tuition in 1985 at the University of Kansas was ~$650/semester. It’s shocking there are colleges 39 years later that are less expensive than in-state tuition at a state school in 1985.

[@cathybooth290]

We r both retired in our 70s We thought we would be okay Groceries insurance etc all gone up Have to really watch the money now

[@3TXSisters]

Yes. We're retired and in our 70s. It's costing more than we planned.

[@Sheryl777]

Dawn yes I understand because I'm also really struggling about the future right now, and trying to figure out what is the best way to deal with all of that. It keeps me up at night sometimes actually, although I always eventually just turn it over to God and ask Him to help us get it figured out, since we don't have the knowledge we need as of right now to make sure our end of life financial questions are all answered.

[@3TXSisters]

Amen!

[@donnarakitzis2719]

I feel the struggle it’s real!

[@grannyprepper1181]

Making more money will make life easier, that’s a given. Last night I really wanted to go to this one restaurant I like. Dinner, two beers (happy hour) and a tip would be about $32. My weekly grocery budget is $32.30! I’m on social security, my budget is TIGHT! I treated myself to a $5 combo at McDonalds instead, that came out if my $15 weekly allowance.

[@CentsibleLivingWithMoneyMom]

I understand

[@3TXSisters]

I know!

[@jennyeagan1840]

For this price, I hope you were served enough for a doggy bag. At least this is how I would try and budget things in. As for my once monthly eating out splurges which are less and less, more of a grocery rotiessre chicken or fried chicken. Both can be frozen off and the bones I bag and later I make chicken stock. Pizza is expensive and am considering a splurge, want to order a healthy one with both veggies and meat. If I can go for a larger pizza, I can bring home and plastic bag deal off the slices. But, will probably be able to splurge only for the smaller one, like last time at the pizza place.

[@3TXSisters]

@@jennyeagan1840 I love pizza.

[@debbieframpton3857]

I also like the five-dollar combo meal but that will be ending soon I often go to my local McDonald's and have the 70 Cent senior iced tea and visit yesterday they took the banner down for the $5 meal the manager complained that she was glad when that would be over because they have to work too hard. I always thought being busy made the work day go faster then just standing around with nothing to do.

[@LaManteca76]

I worry about the future & making ends meet constantly. My brother & I still live at home, no morgage or rent, Thank God. He's disabled so i pay the majority of the bills but it's hard getting him to save money. I'm trying to save up for property taxes, etc & it's frustrating that he never has money for emergencies because he spends his money on things he doesn't need. I take care of the bills & he gives me his share every month. I finally had enough so after i paid off the car, i didnt tell him his share of the bills was less. So now i put the extra money aside to be used as Emergency Funds. I don't like lying to him but when i pay $1000 for car repairs & he can only give me $30, there's something wrong. Sorry for the rant. On the plus side, I'm close to having what i need to pay the property taxes, Thanks be to God. 😅

[@CentsibleLivingWithMoneyMom]

Very smart

[@3TXSisters]

You're not helping him by paying more than your share. Make a budget with an emergency fund included or whatever fund you want to call it. He needs to put in equally for the property taxes or other expenses you need to pay to live there. It'll help him budget when he's on his own. My brother is disabled but was never diagnosed. He's always lived with our mother, never had a checking account, nor had to live on a budget. He collects Social Security as his only income. Our mother is 91 and looking at living in an assisted living apartment. He would have to make his own living arrangements, a daunting experience for a $900 monthly income.

[@LaManteca76]

@@3TXSisters I don't think he'll ever be able to live by himself. My mom always called him "slow" but I suspect he may be slightly mentally challenged. He has no common sense & he was used to my mom taking care of the bills, budget, etc. I've noticed he's a little out of touch with reality. He doesn't seem to understand why someone else can't pay the bills, why we can't go vacation to Paris, etc. I'm pretty sure if something happened to me he would have to go live with one of our other siblings because he just wouldn't know what to do. 😔

[@oliviafox6745]

Recently retired, medical reasons. We've weathered four major hits to our finances since we've been married. It taught us a great many skill sets. We're considering what our options are, how we can economize, to make our income last through retirement.

[@3TXSisters]

It's good to plan early, while you still have options.

[@AndreaJames-dv1rr]

You hit the nail on the head TODAY!!! I am so glad I scrolled across your video this morning. I have been thinking about the same things you mentioned. I have a side job just for all the things you described. I retired at 53 with a pension and all is well. However, I know that inflation will change things and by age 70+ I want to be able to have all of my needs, maintain my home and self and be debt free. Thank you for affirmation that my thinking is valid!!!!!

[@CentsibleLivingWithMoneyMom]

You are so welcome!

[@bria2596]

Like everyone, I have learned that a budget must have a little "fun" or "play" money to make day-to-day existence more enjoyable. Otherwise, we give up on budgeting, and can worse our financial position in life. I build that money into each monthly budget as a bill to myself, and call it "misc. expenses," around $100/month = $1200 a year, for JOY in LIFE. If the existing income got too tight to do that, I would quickly find a way to earn the money to fund it. Having the knowledge that I can spend $5 on something other than rice or beans, or eggs, protects my mental health and decreases my stress. There is a scripture that says, "See good for all of your hard work." Fun money comes under "see the good," for me. Philia, Lady Dawn and crew. May we all have a very safe and comfortable winter, and have all we need, and enough to share with those in need.

[@3TXSisters]

Blessings to you for your generous spirit and the encouragement you give others!

[@lifewithklc]

Yes! Once I realized this and started accounting for it in my budget, it made a HUGE difference mentally. Otherwise it’s all doom and gloom, and who wants to live like that?? I also remember my grandparents went through much worse in the depression, my parents made it through the 70’s inflation, and I’ll make it through this inflationary period. 🙏🏾 to all.

[@bria2596]

@@3TXSisters You are so kind.

[@7SideWays]

Not hard to replace your own water heater or spend WAY less on a reliable used car than $15k but I hear you and emparhize. Thank you!

[@Evelyn-yf1mx]

The World would be a much better place if we werent taxed for literally everything!:(

[@sammie44]

So true Money Mom, life used to be less expensive and more affordable years ago. Salaries just don’t over exceed expenses anymore. You’re not a downer it’s just today’s reality. 😊 This is a world wide problem.

[@CentsibleLivingWithMoneyMom]

Thank you love

[@3TXSisters]

True!

[@PenniestoDollars]

We could handle some large emergencies BECAUSE we live frugally. Thank God for that.

[@CentsibleLivingWithMoneyMom]

I hear you

[@3TXSisters]

Amen!

[@kasandrabrown8611]

This hit the nail on the head. On Labor Day, both of my water heaters basically rusted out and need to be replaced. It was $1300 each. I got the tenants replaced first as I use very little water. It was a sacrifice, but the water heater was 18 years old and should have lasted 8 to 10 years. So, I think a major expense fund is in order for large appliances and a separate car repair fund.

[@3TXSisters]

Wow! I'm sorry they both hit at once. You were kind to replace the rental unit's first. Hope you won't have to be taking cold showers long!

[@GnomeInPlaid]

I have my water heater on a timer for a few hours each day, take my shower, then save the remaining hot water for dishes and/or a load of laundry. By having it on for 1/3 of the time, it should last much longer.

[@carolparker2392]

I am the relative mentioned in the previous comment. We are fortunate enough to have more than plenty, but that said we love ramon and I love beans and rice so... living in abundance is partly about net worth and partly about simple desires.

[@rachelr9272]

I went grocery shopping today. I was at Walmart because it was next to Sam’s Club and I stocked up on ground beef there. Anyway, I was shocked at how much more expensive Walmart was compared to Aldi. I will try to keep my shopping limited to Aldi so I can make my grocery budget work for my family.

[@CentsibleLivingWithMoneyMom]

That is awesome!

[@kathleendonnelly6077]

This is a timely topic. I see how hard you work. Glad you are sharing this today.

[@CentsibleLivingWithMoneyMom]

Thanks for listening

[@silentnot4812]

We were only making $35k in 1997 when we bought our old 1920s house for $79k. I spent my career saving, investing and trying to make more money. I made a lot of sacrifices along the way so that I’m in a good place now. I now pay a lot in taxes and it is frustrating having to work more only to have it taken away.

[@CentsibleLivingWithMoneyMom]

Wonderful

[@3TXSisters]

I'm glad you were able to buy when you did!

[@rusticgardenretreat4892]

I could not afford a house until I was almost 48. 3 years later, I was divorced and gave up everything but my car and the house. 4 years after that I had the house and car paid off. Everyone thought I was nuts letting go of $200,000 in land and property to get out of my divorce, but what they did not realize was that it was me who made all the assets happen in the marriage. My ex was quite happy with all that he got, and he left me with the things that still had payments owed on them. Fast forward 13 years, and he has sold off the 2 properties and is swimming in debt. It has taken me until this year to realize that I am okay financially. I am not rich and my earning days seem to be behind me. I am going to try to enjoy my remaining years. So many people that I used to know are dead, and many were much younger than I.

[@cwpip]

I heard a few years ago that an income of 75k is what one needs to be able to life how you described, Dawn. I take all the work I can. I work hard at staying healthy mentally and physically. I’d love to get to that place where you can pay for multiple big ticket needs at once. I’d also love to go on vacation that is not visiting friends or a staycation.

[@3TXSisters]

You're doing a great job keeping yourself healthy!

[@cwpip]

@@3TXSisters Thank you, nice lady. 😊

[@3TXSisters]

@cwpip Your kind comment really touched me, having a rough day. Thank you!

[@cwpip]

@@3TXSisters Oh, it is easy to see you’re a kind person. I hope today is going better for you.

[@3TXSisters]

@cwpip Yes! I'm have a productive day and that makes me happy, lol!

[@1992DJP]

People say things were less expensive before. yes but we didn’t need all the things that we supposedly need now to live. I live in a house that has ceiling fans no AC (summer temps between 80°and 95°). I get along just fine. Therefore, I don’t have hundreds of dollars of electric bills each month my neighbors have. When back in the day people didn’t spend time sitting inside watching paid for TV or playing on the Internet/ cell phones? Didn’t have expensive highly processed food to buy. Which we now find out our causing health problems. Closets nowadays are filled to the brim with clothes and shoes. In the past, you had enough clothes to get you through the week to laundry day. As kid, we had school,church, and a pair of shoes for play. Summertime you might or might not have a pair of sandals. I was at a friends house the other day and by the front door was 10 pr of children shoes. they only had one child. I shake my head at all the KZbinrs that do decluttering videos several times a year. Why was money spent in the first place for something that you are now nonchalantly getting rid of. yes I know some of it will be outgrown or something’s that your circumstances have changed so you no longer need it. In my opinion, I see a lot of stuff that people just bought because they wanted it. What I’m trying to get it is that every generation has economic hardships. Hardly anyone is born with a silver spoon. Life is about choices. Some want instant gratification while others are willing to work and wait for it. and before I’m attacked yes I know that sometimes life circumstances are out of your control. It amazes me how many people don’t appreciate what they do have and only seem to complain about what they don’t have. But not willing to do anything about it. As in changing some things around to make things work out better for themselves. I have run a human food pantry, and also volunteer at a pet food pantry . In talking with our clients a lot of them ended up needing help because of poor choices they made over the years. Few were because of medical bills/divorce, etc. I know this comment might not be popular with some. when I was younger, I did live one year living paycheck to paycheck and having help with food. So I made a lot of changes some drastic. I’m not so that wouldn’t happen to me and it hasn’t. Amy @ Tightwad Gazette was someone that I thought had a good head on her shoulders? I learned a lot from her

[@3TXSisters]

True.

[@JohnBowl14690]

Biggest saving is not eating out, not buying stuff you don't need. I hardly buying anything. However, Air conditioning is one thing I won't skimp on. For $4 per day, it's a bargain.

[@3TXSisters]

@@JohnBowl14690 I agree about air conditioning!

[@annezamler1977]

Love The Tightwad Gazette’ and agree about the shoe thing , I work in a school and it seems a lot of families prioritize Nike sneakers and baseball hats , name brand everything.Basically what we spend our money on is a reflection of what we value in life. I once went to three different jobs in one day to make things work for our family, so I got the stories people 😂

[@Nisa-gm5wg]

I bought the Complete Tightwad Gazette used for about $14.00.. It looked almost new and the previous owner left posted notes on some really helpful information. This was published in 1998 ( but info collected from1990 to 1996). I saw the price for a latte back then was $2.00 if you bought it. The price for it now is over $6.00. There was a simple recipe in the book that you could make for Pennie’s on the dollar. This is an excellent book. If anybody can find it then get it. The information in the book is still valuable today

[@donnalf184]

Great vd., Dawn. I know my husband and I could not live on $40k per year. I thank God every day that we have the income that we do. I’m still very, very careful how we spend. Only have one car. No vacations. Don’t care about vacations. We save a decent amount every month. Few people could write a check for 30k. If I had to choose between a heating system and a car. Heating system would win. Of course, our furnace died last year, so we just use the wood stove. I’m not looking forward to replacing the HVAC system. Actually, I refused to replace it. Going into the second winter with no central heat. Don’t miss it. I live in the Northeast, it can be done. My house is nice and warm in winter. I just hate that so many people don’t have what they need to thrive. We all need to learn to be more self reliant.

[@3TXSisters]

True!

[@sadie21962]

Our furnace went out 5 years ago. The company wanted $15k to replace it. Ouch. We already had a small wood stove in the basement of our ranch style house. We began using it more and never looked back. We live in Indiana. For hot days we use window AC. Still cheaper than central air. We live on 67 and 62 years old social security and hubby has a part-time job. I raise chickens, steers and gardens. We do okay.

[@donnalf184]

@@sadie21962 isn’t it awful what things cost! We take the wood for the stove off our property. I also garden and stock up for winter. I am a soy candle maker and knitter. I sell at local craft shows September through December. I have my candles 🎂 n a local shop for artists of all kinds. You definitely have to think out side the box. We live on Social Security and my husbands Navy pension. We do ok. We are happy.

[@CentsibleLivingWithMoneyMom]

Wow

[@3TXSisters]

@sadie21962 I think that was a wise choice. Several years ago, my husband's income was reduced by either 40 or 60%. It's crazy that I can't remember. Our HVAC went out during the winter. We have a wood-burning fireplace that we kept going all day and into the night. We had a space heater that we used in our son's room and had an electric blanket for our bed. We live in northwest Florida, so it can get below freezing, but the temp is nothing like the northern states. However, when we were getting into spring, I insisted that we get bids for the unit before the unbearable heat and humidity. We were able to pay half up front and pay the remainder for 6 months with no interest. You do what's necessary. His income did recover, but we went into debt paying super drive, lol.

[@3TXSisters]

I think we all are feeling the pinch. We're delaying some maintenance on the house, new windows. I think our insurance is going to require a new roof next year so that will take up the window money. None of the windows aew cracked or anything and out electric bill is low so it's more a matter of if we need to sell the house. Excellent points to ponder in this video. Love to all, Linda 💕

[@Rita-ic9tv]

Please vote for a change 🙏🇺🇲

[@judiashley5818]

I'm certainly not voting a felon insurrectionist into office who overheated the economy and left it in a recession. I vote better values then wanting eggs to be cheaper. President doesn't control prices either. Vote with your pocketbook and know this is corp greed happening.

[@joculp-yq3qh]

👍👍

[@diner51214..]

cost of housing is outrageous . not sure how young people starting out survive.. 😢 on top of that food costs. thanks for sharing your wisdom Dawn, your channel is awesome

[@CentsibleLivingWithMoneyMom]

We agree!

[@cherfromtn8225]

Okay, one other thought for extra income for retired people. My husband and I would like to travel a little, but we don't like to put our dog in a kennel. I would spend money for a housesitter to either come in three times a day or else stay in the house while we are gone. You would be surprised how hard it is to find someone. I read an article once in which someone did housesitting in a snowbird community. The people did not like leaving their house alone for six months a year. Wealthier people need services like this. You might talk to local realtors and see if there is any demand for this.

[@judiashley5818]

That's a great idea

[@sueh6287]

Yes -- I've heard pet sitting, house sitting, and babysitting all pay very well in my area. Quite a change from my teen years in the 60s when I earned 50 cents an hour babysitting, whether for 1 or 4 children!

[@3TXSisters]

​@@sueh6287Yes, I think that's what I got paid in the 60s!

[@desertfish6239]

Great video. I think many are in the same boat.

[@CentsibleLivingWithMoneyMom]

I think so too

[@Beachbumbob]

I see on youtube where there are senior citizens living off of their senior citizens social security checks and living on cruise ships cause they got good enough to find deals for the years And everything is included, and they have a doctor on board the ship

[@3TXSisters]

That doesn't appeal to me at all. Congratulations to them if it's working out.

[@Beachbumbob]

@@3TXSisters on KZbin its called the "slow travel movement " for 2 reasons 1. Can't afford medical costs or insurance in the United States anymore and 2. Can live abroad very cheaply including all medical costs. Cheers!

[@3TXSisters]

@@Beachbumbob Thank you for the info. 👍

[@southernwanderer7912]

Good luck making more income. The jobs aren't out there. When I couldn't find a second job, I thought it was my age because I'm an older worker, and that could be part of it. But my son said that all of the companies that took out PPP loans during Covid have to advertise a certain number of jobs to receive the loan forgiveness, the problem is the jobs don't exist. I've seen people making videos talking about sending out hundreds of resumes and never receiving a reply and their frustration. The fact is the economy and unemployment is getting much worse.

[@ivobiancucci4528]

A good point to start is to not participate in either lifestyle inflation or consumerism. As a Canadian we are in rough shape up here been saving and cutting all unnecessary expenses.

[@ChristmasCarols-l2i]

I know how it feels like the last 3 1/2 years was the worst inflation, higher cost of everything too. It's just 🙏 harder to make it each month. Sams Club is a blessing for us. See so many older seniors buying there. Making the best of it. I've been reading the Bible, and it sure helps ❤the Sheree McGinnis scripture plan she picks each month, which is so helpful. Her youtube channel is really funny at times . ❤you're channel as well!!!

[@CentsibleLivingWithMoneyMom]

Love you

[@3TXSisters]

Thank you for the Bible study recommendation! 👍

[@ChristmasCarols-l2i]

@3TXSisters it's on her community page it's Finding Your Purpose one.

[@guadalupecisneros2457]

Ok let’s pretend I do have the $30K but there’s no way I can replace that money ( it took me many years to raise the cash what I do have ) . Sadly all of my life I have been surviving 😭. I am getting older & sadly it’s getting more difficult to find a second full time or part time job

[@3TXSisters]

That is hard.