Less Income Deep in Debt? Do this!

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#lowincomeaging Embrace a back-to-basics lifestyle and experience the simplicity and fulfillment it brings. Discover ways to simplify your life, reduce clutter, and reconnect with nature. Find peace and contentment through this lifestyle change.
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[@robinkline5600]

Another tip is to use your local library for loaned movies and books. My mother always said that a sale isn't a bargain if you don't need it.

[@kalawherry2379]

I love that! My Grandmother was the same way!

[@ashleybosvik3031]

I think this is the best video you ever put out. My debt was not as extreme as yours, but it took me 3 years to pay my Bill's off. I learned my lesson. I will never go back into debt if I can help it.

[@charlesmckinley29]

You are speaking to a lot of people that never thought they would be in this position. I pray they take your advice sooner rather than later. A lot of this mess is to make people more dependent.

[@TINA-pf2bb]

Good evening Tessie, I like what you said, that it doesn't matter how old you are on getting out of debt. I'm 63 years old, been through cancer and heal through the power of Jesus Christ. Feel so good that I decided to take a 2nd job to pay off my debt. And Lord willing looking to down size and possibly not have a mortgage.

[@susans9491]

I think this is one of your best videos yet. My belief is that a key to spending less is to just pay attention to all of the little things that drain away our wealth. If we do that well, most of the bigger things will take care of themselves.

[@JT-2012]

I suggest paying off the card with the highest interest rate, first. Use cotton towels and china plates instead of buying paper towels and paper plates. The only debt we have is our mortgage. I pay my credit cards off every month. "I get a high from saving money like I used to get a high from spending money." I love it! 👍👍👍 Great video, Tessie. God bless. 💜✝

[@witchofthewildwoods3496]

Agree. If you carry credit card debt tackle the one with the highest interest rate first and on down the line. I also pay my cards off every month because I refuse to waste money on finance charges. Paper plates, napkins and towels are for emergencies and special occasions. I’m definitely someone whose happiness comes from saving money rather than spending it!

[@loris2168]

They say to pay the card with the lowest balance first because you can accomplish this faster (then cut ut up/cancel it) then move on to the next one.

[@witchofthewildwoods3496]

That strategy (paying off the lowest balance first) helps psychologically but every point counts if there’s a disparity among interest rates. Often credit cards carry a higher monthly finance charge than the minimum payment required, and that fee gets compounded so the balance gets increasingly higher even if the card is no longer being used. It feels criminal.

[@kathleenpalmisano3591]

When you are out of debt don’t forget to give something to those who don’t have enough. You’ll be blessed.

[@eileenlester4342]

I am receiving Social Security, which just turned over from Disability, and nothing else. I have a car loan because I could not afford to pay cash when the car died. It's heartbreaking to see all of the things going on around at home and around the world. I still donate what I am able. I give money to money each month to St. Jude's and I just donated to Freedom Bakeries for starving children in Yemen. Not looking for accolades ... I know not everyone can do this, but the Lord directs us to do what we can. 🙏💜🙏

[@tinadoyle7026]

Tessie my SSI doesn't make it until the next one. Food cost more now and medication is through the roof. I just have to be more frugal. Thank heaven I'm not in the hole.

[@owen4248]

This a great video Tessie very important in todays world great tips and advice. I am totaly debt free and only use my credit card in emergency's and I spend very little cash. I buy only what I need once in a while I will treat myself to some thing special. These are all excellent tips:) Love you my sister:) God Bless you and Ken :)

[@patriciacorpe9957]

I ALLOW MYELF ONLY 60.00 A MONTH FOR MANY THINGS LIKE DOLLR COOKIES IOR CANDIES OR GOING TO THRIFT STORE. AND USALLY i HAVE MORE THAN 20.00 LEFTOVER AND i PUT THAT AWAY FOR HOLIDAYS FOR FRUGAL GIFTS FOR MY GREAT GRAND KIDS. I choose to live this way I am 75 owe nothing and my income is more than 6.000.00 a month far from rich but I have money if I need it and if I need to help a family. O a, happy money can'[t buy that and I learn that a very long time ago.

[@JT-2012]

Hi Owen. It really was a great video, and a good reminder to those who have slipped a little. I'm way over budget in buying preps but feel like I need to get them now, with prices, insanely, going up. This week, I received a second solar panel and a Mr. Heater Buddy, in case Florida gets a surprise snow storm, like Texas did last year. A 2-pack of propane has gone from $5 to almost $10.😲 Glad I already had a bunch. Not sure how many I have but feel I need more as some are for our Coleman stove. Have a very nice evening, my friend. God bless. 🤗💗

[@owen4248]

@@JT-2012 Good evening J T, Yes this was a great video for sure a great reminder to all :) Good deal on the solar panel and heater:) Yes propane has gone up a bit here too I still have a bunch from summer:) Have a great blessed evening my friend:) God Bless !

[@owen4248]

@@patriciacorpe9957 Hi Patricia Corpe, Good for you:)

[@Mel-vr2cl]

Amen to this! The job scene has changed tremendously. Lots of people with many worries out there. Good suggestions presented here...I've been living frugally for years and I love it. It is quite the challenge to think outside of the box. I enjoy the challenge. Like you said, make it a game of some sort. The satisfaction we get from "making do" is priceless. It far outweighs any criticism we might get.

[@NattyHomeMaker]

I love you Tessie. Don't ever change. Your advice has always resonated with me. Your not scared to share you knowledge and your experiences and that's so beautiful. You are an inspiration and a big reason I started my KZbin channel. 😀😍 I am also living mortgage free, dept free and frugal living is my passion just like you

[@amason1539]

With the holidays coming up, this is perfect!

[@shirleymurphy1958]

Been there done it . Lived frugally still today. Lessons learned that the easy ways where the costly ways. Being a wise person will pay off.

[@shirleymurphy1958]

One of the big thing I did was threw out all catalogs and made do or got used. I learned paying for our property taxes and insurances where a must the rest of the stuff was flexible .

[@patriciajustice5299]

@@shirleymurphy1958 Amen ! and Amen !

[@mppar3104]

You’re videos are so encouraging ! I love you so much sister ! Thank you for caring & for sharing your life & advice ❤️ You are a rare pearl & im so thankful for you ! God bless you Tessie !!! Sending you BIG hugs !!!! 🌺🌸🌺🌸

[@joytotheworld2100]

Your right Tessie.I love saving money.Your always a joy to watch.great advise.

[@cindynielson4231]

I think you should ask yourself is this a need or a want? That has helped me alot. I think there are alot of people that will learn the hard way. When hubby & I married 23 years ago we bought a brand new 99' F-150 P/U, still have it now no major problems and almost 400,000 miles on it. I really think hubby would want to be buried in it, LOL TFS

[@CristinLive]

Hi Tessie! I enjoy watching all of your videos and have been for years but i must say this is my favorite thus far!!! I couldnt agree more with your mindset and the freedom that comes from living with less 🥰

[@nixie8435]

What a beautiful soul you have

[@francesahrens1578]

A PLETHORA of great ideas and inspiration!!!

[@heatherbrodian6129]

Unscented zote or Castile soap, your favorite essential oils and laundry soda, shred soap, boil a gallon of water adding laundry soda and essential oil then add 4 more gallons of water to 5 gallon bucket, laundry soap. I like dove soapALOT so I buy it at dollar tree, n pretty well stocked, enough for about 2 years.

[@bettyadkisson1681]

I've been filling my gas tank up and only drive too pick up my check and pay my bills in one trip only. And walking too the store with little groceries cart. I've been using all my all clothes for cleaning clothes and cut the microfiber clothes into 2 swifter dust and mop heads witch costs $1.09 verses $8.00. Plus I buy $.25 t-shirts for cleaning clothes and paper towels replacement. And I have plastic meal basket and bought a 500 count box of dry wax paper sheets too lining them and my camping plates for times not wash anything. And sew shopping bags out unused shirts.

[@nygardenguru]

Yes I prefer to put microfiber cloths on my stiffer mop head rather than pay for those expensive pads

[@deborahquigley5064]

You are so right! ! IT IS such a comfort to have the roof over your head paid for. Great video!

[@thethriftychickadee7245]

This video was very inspiring to encourage me to keep trying. I do a lot of the things you suggest and got even more tips from this video. I also watch some of the other frugal living channels. I don't want a life of luxury or to be able to buy, buy, buy. I actually love a very simple life. I just get tired of worrying about paying my bills constantly. Keep making videos, Tessie, because you have given me lots of ideas for saving money and you inspire me ...

[@HomesteadTessie]

I'm so glad!thank you !

[@kimm.8014]

I needed to see this!

[@marysee6134]

Love this video. I had to learn the hard way. I went through a hard time financially, and did many things you do. But when finances got better, I went back to my same old ways. One day, I realized that the time I was poorest was the time I was happiest and most content.

[@judymartius7779]

I can stretch a $10 bill for 2 wks.

[@owen4248]

Good Evening Tessie, Sisters, Brothers, and Friends:) Be sure to hit that like button Tessie will appreciate it greatly :)

[@deborahgilchrist1445]

Good evening owen.hope your well.

[@owen4248]

@@MichaelR58 Hi Michael 58 :) Stay safe and healthy my friend:) God Bless !

[@owen4248]

@@deborahgilchrist1445 Good evening Deborah Gilchrist, I'm doing well :)

[@TINA-pf2bb]

Good evening Owen :-)

[@lynnheffron6905]

Good evening Owen, I smashed that like button before even watching. It's my daily exercise routine. Have a good night to everyone. 🙂👍🏻👍🏻👍🏻👍🏻👍🏻

[@thewellnesshomesteader]

Excellent video Tessie! Somehow I missed this one. I believe now, more than ever, we need to be frugal and as self sufficient as possible. Thanks for sharing!

[@HomesteadTessie]

So true!

[@susanoutler1724]

❤️✨ Thank you Tessie great advice, thanks for being “real”…

[@lindanizamoff7981]

our town always has free things in the park like music and a out door movie. Our neighboring town does the same.

[@jeanphillips1030]

Good evening Tessie. Great advice.

[@juditharsenault2131]

I am on a no spend year- except for absolute necessities. I needed a plumber and was able to afford one because I've been saving and not spending. I had a list for him when he came because the company charges for travel to and from their shop which is an hour away. He fixed everything and I was able to pay for it.

[@donnalemmond5603]

Very well said!!

[@katrinahess4941]

Such wisdom. Iblook back on the hard times and i thank God for his goodness and being there to help guide and direct. I had family and friends that would pray and support and give godly advice. I would not want to go be in those places again either but i would not trade alll the wisdom and understanding tht God taught me theough those trials. Whether they had been because i had made poor decisions or just because of things that came my way. I love my life now. We make half of what we did when i was working. We do not spend at all what we used to but... We have more. We have more time for each other, for are children and especially God. We fauthfully are going to church where we weren't always before. What is of value and importance to us is greater then things. I have been where you are talking and you know what i continue now to be frugal and yes pick up things people are throwing out refurbish, use. There is nothing wrong in it. Some of the nicest things i have were free. God takes care of us no matter what. Its are we willing to except. God bless you Tessie. It was good to see you Saturday!

[@idahohoosier8989]

Beautifully put! Blessings, julie

[@jaxxmariecambridge5212]

This video lit a fire in my belly. 🥰

[@owen4248]

Hello Everyone Welcome to Tessie's Place:)

[@PeggyLindley]

Hello

[@owen4248]

@@PeggyLindley Hello Suzanne Campbell :)

[@kesmarn]

A blessed Sunday evening to you, Owen!

[@owen4248]

@@kesmarn A blessed Sunday evening to you too kes S:)

[@lynnheffron6905]

👋

[@angiengibbsadventures1622]

I know this feeling tess. Husband is not working much these days. I have taken up beading again to make alittle money on the side We don't live high on the horse bit we don't live without much now the grandbabies and my daughter o Is moving back home in November So its going to be really tight around here

[@nygardenguru]

Soups are dirt cheap. You can practically live off of them for nothing.

[@nancycoy9510]

Great advice! always enjoy your video's.

[@valeriegrice4775]

Tessie, you always inspire me!! Thank you❤

[@HomesteadTessie]

I'm so glad! Thank you Valerie !

[@SILSpring]

Go to the laundromat and collect used dryer sheets and empty laundry soap containers. yep you never need to buy those things again!

[@joycepedercini3841]

I’m a single mom of two grown children and my favorite thing to do is go to the movies! I have no debt my car is paid off I just pay my monthly rent and I’m all set and I always try to get out to the movies so that I can at least say I got to do something that I wanted to do and that I enjoyed it

[@jonathanjacques7250]

Good content, thank you.

[@tammyhughs7836]

I buy my shampoo and conditioner at the dollar tree.

[@margierousu468]

I love the coconut shampoo there! Every bit as good as the more expensive elsewhere!❤

[@tammyhughs7836]

I have that I to love it. I also buy the Solon selective. Love the smell of apples.

[@judibohn2295]

I do almost everything you already do. I did manage to pay off my home but it did take bout 7 yrs. I have no debt. I have no credit cards or internet n don't even have a tv so no cable. Been bout 15 yrs since I have had cable. Don't mind dumpster diving tho not much in my area. I've made my own detergent b4. Now my insurance card pays for my detergent as well as veggies n fruits every month. And I usually do as many errands in one day so I won't have to waste gas.

[@tignim231]

Hey Tessie, this reminds me of the scripture 1John 2 : 15-17 🤗💖💖

[@woodsie5796]

Great talk Tessie.

[@nanacarpenter7770]

Love this

[@ritalynb7070]

We are debt free & super frugal. I am in my 3rd year of no-buy/low-buy. I would LOVE to quit my very stressful job and pursue other things, but as the sole income earner in a low-income household, it is just is not possible. Currently I only spend on utilities, groceries, insurance, car insurance & fuel and property tax. We thrift for our clothing needs. Even our furniture & car are second hand. We do not eat out or buy take away or "to go" coffee, we have no TV, no subscriptions, no memberships. I don't buy home decor or candles or any of the rest of that. We don't spend on entertainment or tech. We don't spend on beauty (no salons, nails, makeup, etc). Clothing is thrifted only when needed. We are already cut to the bone..... We grow our own veggies (4 month growing season). We eat super simple & basic. Sadly, groceries are very expressive here (my biggest single expense). We have only 1 grocery store in our rural area. I have watched so many videos like yours, but they don't go far enough. I have been doing all these things for many years. I need next level advice. I'm not sure where to go from here.....

[@ednamyers5760]

Great video...

[@rbsamar]

Amen

[@marthaadams8326]

Tessie, very good topic and lots of good information. I have never been a shopper - hated malls, but did buy things. I do what you do on Amazon. I put things on a list that interest me (maybe from a yt video) and wait. If I still want it in a few days or even weeks, then I get it. Advertising is to make us WANT things that we do not NEED. It is okay to get some wants, but our culture is out of control when we spend thousands on a babies first birthday which they will not remember (before the age of 3 not) I grew up in a family that was okay financially. But, we never asked our parents for anything. They provided for our needs and it was their job to help us become responsible and healthy adults - but not to teach us to get everything we saw on tv (which I didn't have until about 4th grade) or to throw a fit if we couldn't have something. In my more prosperous community, my age group was expected to do chores and to work in the summers to help pay for college. So, in that day, parents who had more money actually worked at teaching their children that things are not just free. They are earned.

[@vernabryant2894]

I haven't celebrated Christmas in 45 years.I stressed for years and worried about how I,was going to pay for it.I know people going into debt thousands of dollars on credit cards every year for Christmas.I decided I wanted to think on my own and not to be pressured into spending money I didn't have.What a weight and stress off of myself.I don't mind being called a Grinch and being differnt.Im my own person.

[@juliewebber2749]

Nice video Tessie.We don’t need half of what we have.I also like getting good deals.Ishred my own cheese.It is a good feeling being out of debt.Have a nice evening everyone.

[@BethGrantDeRoos]

Anytime one wants to make positive change one needs to be prepared for the naysayers. Doesn't matter if it's getting out of debt, stopping an unhealthy habit like smoking, drinking, drugs, gambling. Or becoming vegetarian or vegan/plant based and cutting out animal products. When striving to get out of debt, if you have had a habit of going out to eat, going shopping, vacations, even holiday gift giving, and you change your ways, some people may be upset. But it is NOT about you. It may be because they realize they need to change but are scared to do so. BUT...if family and friends know this is important to you they will do all they can to be supportive!! .And the naysayers will be looking to see how you do. Do you make needed change look like punishment or do you approach it like a fun adventure? Tessie makes change a fun adventure. Something you want to try..

[@luenaprice3873]

Libraries have computers and copiers

[@SD-kx1eu]

I do watch someone with like minded ways to live as me. TESSIE

[@HomesteadTessie]

awww thank you !!!!

[@pattycake8272]

I want to keep money in my savings account for future spending, like if I have to miss a day of work, it makes a big difference in my check (low minimum wage) paid every other week, I work 6 days a week. It makes me feel better to have that, but I'm a spender, I get board, I want to get out, but I hate that guilty feeling after I buy anything. So I want it to stick that feeling of savings in the bank.

[@bethrob8980]

❤❤❤

[@janetaylor8749]

❤️❤️

[@caroledavis3741]

I am a little confused, it sounds like your not paying on the higher ones at the same time. I have to pay on them or it would go to collections?

[@HomesteadTessie]

Yes you pay on the higher ones too but you always add a little extra to the lower ones first so this year when people got the stimulus money they should have used that money instead of buying things to pay they should pay their debt off

[@caroledavis3741]

Homestead Tessie thank you. I understand now. This is my goal for 2022. Learning to not spend extra money. Taking my lunch to work etc. Going to take me longer then a year to pay everything off, but I am going to do it and then stay that way. ❤️

[@dewuknowHIM]

Hi sis.....💖💖💖💖💖💖💖💖😉

[@elizabethhendriks9030]

❤😊

[@margaretturner3389]

What job did you have as you were getting out of debt?

[@HomesteadTessie]

My hubby was the only one earning a paycheck at that time He worked for a Construction company. Thankfully most of our debt was physical property we were able to liquify but only pennies on the dollar my whole story is on video at the end of this video

[@StephanieJoRountree]

After my divorce my income was virtually nothing. I managed to get debt free and mortage free. I enjoy being frugal!

[@thomasmax9369]

That's so nice of you I really appreciate your comment. Hello 👋 how are you doing!

[@MindysPlace]

This really works, even if you have a decent income. Stop spending money for coffee, fast food, and getting your nails done and put it in the bank. We packed our lunch for years, going out to eat as a treat now and then. I was able to retire at 56 with a pension and money in the bank. I do not have to rely on Social Security in order to survive and it is very comforting.

[@RippingJack76]

Dumpster diving, is the closest any of us will ever get to being an archaeologist, or a treasure hunter. That Cameron dude who made the movie Titanic. He spent the money he made that from that movie actually finding the Titanic. We will never accomplish anything equal to that. Finding something awesome. For free. That somebody else has thrown away. That's a pretty impressive accomplishment even if it does not make the news.

[@Nana-zi9xq]

I was dumpster diving today. I have been doing this for 60 years. It is such fun

[@kakelinga]

Oh Sister Tessie, you are so right about this society wanting instant gratification. In the good ole days, we wrote letters and only made out of state phone calls on Christmas. We saved for the things we wanted. We really had a lot of things to look forward to. As an adult, I discovered credit cards and that was horrible. Listening to family members who knew nothing about handling money. Learned some tough lessons about paying them off. My struggle is wanting to buy junk food and fast food too. I have made a conscious decision to stop eating at fast food restaurants. I need to pray for strength each day but I get through it one day at a time.

[@Benshe100]

The eating out, fast food, is such an addiction of mine as well.

[@GoodThingsEtc]

Chocolate and cookies are my weakness especially when stressed! Tessie you rock!!!

[@ramonahierholzer3163]

Best video yet Tessie!!🙂👍 I'm not in quite as much debt as you were, but WAY more than I want to be....! Watching this video has given me hope and good direction!!! My heart already feels lighter. I am sooo excited to get started! THANK YOU! 🙂❤👍🙏💪

[@noreenharewood8675]

This is a much needed and appreciated video. I retired from work with some debt, so half of my pension goes to repayment of that debt. However, I've found myself going through a revolving door with my credit card. I pay it off and end up maxing it out again. This time I'm determined to pay it off and not use it except for a real emergency. I cook almost everyday and hardly ever eat out and I don't need any more clothing so you have just empowered and encouraged me in unimaginable ways. Thanks and blessings!

[@nygardenguru]

Simple life less stressful

[@loris2168]

Only have 1 card for emergency and have a $500.00 limit on it.

[@pama.6410]

Lots of good advice in this video, Tessie. Hope no one has to go through what you went through, but glad you succeeded! And sounds like your whole family is actually enjoying the frugal way of making things. I know I have enjoyed reusing old wax from candles to make new candles or tarts and using a dehydrator and making soaps, and other lessons you've taught. Great lessons no matter what your income.

[@hollyh9334]

I hope these upcoming holidays are the ones where more and more realize, like the Grinch, that Christmas doesn't come from a store. Make memories with loved ones. God bless, dearheart.

[@mommam.6101]

I agree with everything you're saying Tessie. I started out as a young married woman in 1960, very, very limited income. Over the years, and moving on from a bipolar alcoholic husband who left me with four babies under 6 years old, it was difficult. There were times when we made decent money (2nd husband) . At one time we had a 3300 square foot five bedroom four bathroom house. I about killed myself trying to keep it clean. Now I'm an 81-year-old widow living in a house under 900 square feet. Less is better. If you are trying to accumulate material goods to fill a hole in your soul, it will never get filled. I live on less than $1,200 a month and still manage to save something, enough to pay cash for a car when my old one died. It feels really good.

[@DeeDee-dl7sl]

You are speaking my language! I LOVE not paying that huge mortgage we used to have! Like you we downsized to a small home that is paid for, we sold our large home and everything that was in it. I donated a LOT to thrift stores. We are dept free and it is a high for us. In fact, we try to out do each other on who can be the best cheapskate and find the best bargains when we buy something. I do most of my shopping at thrift stores! I love our worry free life and the low maintenance of a smaller home.

[@marywalker2896]

One of the best books I own I'd the tightwad gazette..I have all three volumes and have been using a lot of the suggestions for years and some I am implementing now that I didn't think of..I love the books.

[@ashleybosvik3031]

I do the same

[@susans9491]

@@marywalker2896 that book literally changed my life! Could not agree more.

[@judymartius7779]

Loving this. Living on social security. That's all that I need to say.

[@gertbanks7585]

Very inspiring talk today that we all can learn from. No matter what our status is financially. Good motivation here from you Tessie.

[@Randy8923]

Great advice Tessie! People need to listen. This life is to short to worry about debt your entire lifetime.

[@mandybraden7979]

We should have been sisters!🌷💗 our family’s situation was a bit different, ( medical issues) but none the less, it certainly taught us so much. I’m just so thankful to our Heavenly Father for everything. 🙌🏻

[@marthaadams8326]

I have medical also and so all my life, I put up to have the money when a medical needs come.

[@juliejackman2649]

This is good! We have business debt. We do the same things as you, unfortunately our health plays a role as well. But we're still workin on it though. That's so awesome you guys were able to pay off that huge amount if debt!🙌😍

[@deborahgilchrist1445]

You sound like me.I did all those things as a single mom on disability and daughter dad died so wasn't any help.I though it I could just buy a house.well I did on a acre and rural.paid in full and watching things now,the self discipline was a great tool in my control.had to stop talking to many people.I would have no way to have a place now.disability isn't anything but just enough to pay what I had to and nothing more.lost my friends but have a house and a place to go.these days what's having a place worth?ya,I'm poor but have a place to be.yep,hope people listen to you.much love to you.such a smart lady,thanks for the reminder.even subjects like this need maintenance or they won't work

[@penniematney9959]

Such a wise vedio tessi . Using what u have and making it new. God bless u.

[@eyelandgirl64]

I love this topic! I have been debt free for many years, but I still challenge myself to live frugally because I too get a thrill out of achieving financial goals.

[@owen4248]

Good evening eyelandgirl64, I am debt free as well I challenge myself to make do :)

[@hollynelson543]

Looks like you bumped your check bone, hope your ok.

[@sandrakeener1395]

Bare bones, paring down, walking the steps. That means cooperation with all family members. Not only pinches but at times feels like someone pulled a tooth and no painkiller. And yes tears, depression happens. Doing what you have to do. Add in trade offs? You have a bigger Christmas tree, trade off with a friend or family member who needs a larger tree and you want smaller? Trade offs make easy simple decorations with what you have or trade off with someone you know and trade for supplies or materials to make something you love. Pick up leaves Google how to press or keep there colors, pine cones too. Pick up a book from library on how to make other things be too. Stop listening to commercials who want your money, buy, buy, buy? Scrap lumber or wood scraps ask if there getting rid of any or give away a piece or two. Trees removed, sometimes they'll give you some stumps, etc most don't want pine too soft to burn, ends up shredded. Especially holidays decorations. Buying lawn decorations that cost you more, plus electric, etc. Time to change those ideas. Your right a lot of people are strapped for cash, everyone can make changes.

[@Mindy56743]

I last my husband in December of 2020 to a heart attack. I have lost his 6 figure income and now am down to less than 600 dollars per month. I am learning how to can and how to make soap and learning everything I possibly can learn. Next year I will be putting in a garden and praying that God blessing it. I have thought about going dumpster diving for stuff but I will need to take my daughter with me because I am physically disabled and have major problems walking. I am still willing to try and it looks like such fun online. There is a huge high from creating stuff. My daughter just got married and I was able to make the cake she wanted and the flowers she wanted for her wedding for so much less it was pennies compared to the cost of having them made! I have so enjoyed learning different things. Ps I found the strainer/sauce maker like yours at a auction for 5 dollars! I was so proud to get it! Thanks to you I knew what it was and how to use it!

[@marthaadams8326]

Bless you. It is a challenge. I did not lose so much money because I worked, but the loss was my husband, his love and his ability to repair things.

[@Mindy56743]

@@marthaadams8326 loosing my husband’s ability to fix things has been very hard. Every time something breaks I get made at him all over again for not taking care of himself.

[@rickballard1627]

Another good video for those with eyes to see and ears to hear. Blessings to you and your family and friends

[@oophelia46]

I took free violin lessons on KZbin (my violin was free too). And we learned how to fix our own appliances and change headlights on KZbin videos.

[@jenniferjones3396]

Oh, I’ve been thinking about doing this same thing! I love the violin and have always wanted to learn.

[@tammyhughs7836]

My clothing comes from the next to new. I spend approximately 2.00 for an outfit

[@sl.3287]

We did pretty much similar. I pulled my credit report and paid the smallest ones first, crossing them off one by one. Then the bigger ones took about 6 months. Never going back again! I have 1 credit card that I pay off every month with a small balance. No more car payments here, we pay cash for a used car now.

[@owen4248]

Who Loves Tessie Time :)

[@marybethsmith6458]

Hello Owen

[@kesmarn]

All the time!

[@owen4248]

@@marybethsmith6458 Hello Marybeth Smith :)

[@lynnheffron6905]

👋💖

[@lindahawkins5983]

Me, Owen I love Tessie! God bless you!

[@foreverlovely2580]

Hi Tessie❤️❤️I’m loving this subject and pointers in this video.

[@Myfavorites877]

My husband and I were in debt once. I never even told my husband how bad. Since he worked so hard every day I COULD NOT tell him no. He grew up poor and I wanted him to have everything he desired. BIG mistake. We finally got everything paid off pretty much the same way you did paying the smallest up to the largest. We don’t owe much on our mobile home now. I can see the light at the end of the tunnel so to speak. My husband still insists on spending $80 a month on smokeless tobacco. I really wish he would kick the habit. Thanks to you Tessie I can see other places I can make up that $80 hopefully!

[@anitamarshall7528]

Ironically, during your video, an Arby’s commercial came on with a “sale“ of their chicken cheddar sandwich two for six dollars. I just bought a whole chicken for $4.00. That whole chicken will provide two or three meals from that one chicken!

[@nygardenguru]

Those fast food costs are sneaky it adds up

[@didine256]

Is that me or you getter younger by each video? 😊

[@HomesteadTessie]

aww thank you !!!

[@jacquenewton9279]

I have been making my own laundry soap for over a year. The satisfaction that it gives me is priceless. I can't imagine going back to buying pre-made!

[@HammiesHomestead]

A great video Tessie. Thank you for sharing your knowledge. :)

[@farmyourbackyard2023]

God calls us to take dominion. That’s what I’m embracing.

[@eileenlester4342]

Great advice Tessie sis!!! 🌞 A lot of people are struggling, now days. It's definitely a disgrace in this country that regular Unemployment benefits, Disability, and Social Security benefits are so low. You receive half, if that, of your regular pay! Medicare doesn't pay for Rx or excess medical bills. I have to pay for these insurances out of pocket. The government takes $148 a month out of my benefits for Medicare. Sad Stare of affairs in our country. 😪🤬😪

[@ashleybosvik3031]

You got that right.

[@eileenlester4342]

@@debbieframpton3857 There is a vast difference in the amount of money people receive each month. Not everyone receives the same. It depends on the wages you earned in your lifetime and if you had a spouse for more than 10 years, etc. I am a Navy veteran. I worked all of my adult life until I was forced to retire due to disability. The money I receive is from the lowest income bracket. I also have to pay for supplemental health insurance to pay what Medicare does not pay for. Between prescriptions and other necessities it doesn't leave me very much. I don't have a paid-for home and I am living with my 89 year-old mother who I care for. I am glad that you are doing well. Please remember that we are not all the same.

[@rexcarebear4701]

I feel it's a crying shame that our government is willing to take tax money the people have worked all their lives to put in and give it to people who are not even legal citizens above the legal citizens. There is far more concerned with the illegal people squatting in our country than there was for the senior citizens in this bill that was passed

[@melodiegasaway6401]

So many people are learning the hard way how to live well on low income

[@heysuz701]

I so needed this today!

[@beverlymummomiller338]

Me too!!! Tessie, you’re a blessing to so many!!! Thank you!!