HOW CAN WE LIVE THIS WAY?MY BREAK DOWN EXPLANATION 👍 $800 A MONTH

HOW CAN WE LIVE THIS WAY?MY BREAK DOWN EXPLANATION 👍 $800 A MONTH
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MY SIMPLE BUDGETING METHOD TO LIVE ON $800 PER MONTH (FULL BREAKDOWN),MY SIMPLE BUDGETING METHOD
,personal finance,how to budget,how to save money, prepper princess

[@joycejackson9315]

Prepper princess is a millionaire. Saying that, I watch her all the time. Im not bagging. But in my world, I can't have that. My budget is around 790.00. I have city sewer, gas, water, homeowners insurance, taxes, and food. Car insurance, electricity, phone, internet. Everything. I live on the edge all the time. God provides. Every time.

[@dittohead7044]

Yeah she makes a lot of money. I was shocked at how much. I can’t decide if she’s for real or just doing it as an angle

[@Judy-c3d]

@@dittohead7044 she’s real.

[@HomesteadTessie]

Please understand if you are looking for information about how much money I make online it's not correct I wish it was i'd do anything to be able to make that kind of money on line but none of them are true they're all false for all content creators none of them are accurate

[@kaythegardener]

@@HomesteadTessie Over the years, I've notice that just as bloggers start to pull ahead, both Amazon & You Tube seem to revise their rules so that the bloggers come up on the short end of the deal!!

[@Ashley-n6p6n]

I don't like her channel she seems to think nobody knows how to budget but her.

[@stacyberry6097]

Me & my husband live on $1258.00 per month. I grow food and grow my meat, eggs and cann everything I can. We are debt free sold our home and brought a older home for cash & no car payments. Couldnt be happier & so much less stress. Retirement is good. We did alot when we had jobs. Now we homestead.

[@carrieschnug9830]

Keep making these! They are real life! And it’s encouraging to learn what maybe we can live without or maybe lower cost! Love the new direction of the channel!

[@HomesteadTessie]

Thank you so much, I'm so glad you're enjoying the new direction of the channel! 😊 I figured it's my life and it's preparing for Social Security and it's what I know about being really thrifty i've gone back to my early married years and I'm really enjoying it it's made me a stronger person emotionally and financially and there's no turning back

[@DebraGorsline]

You also are spot on. My hubby and I retired as soon as our house was paid off. No car debt or credit card debt either. We were super aggressive to pay the house of because we wanted to retire. At that time, we were living on 15% of our overall income which made it super easy when we retired. Nothing changed except we were no longer serving as slaves to debt.

[@junebuchholtz287]

I hope you know what a blessing you are... I smile immediately when I see you have a new video out. Your channel is very relatable and I wish more people were like you 👍

[@carrieschnug9830]

We live single wide on 5 acres. We’re gonna build a house. And changed our mind. As taxes on a 1968 single wide are pretty cheap. And land is more. But still about $1000 a year. We will keep Mobil home to keep taxes low for retirement.

[@tammy1690]

Oh i see now why the $800 per month, and i think it's a really great idea. Very best of luck to you both, and i'm glad i get to go on this journey with you. Again, thank you so much for being so honest - i know by my own experience how raw that is x

[@glennagoss7335]

Good job. Great plan. It is freeing. I am debt free and so blessed. I don’t buy much, I’m content and thankful.

[@laurakuehlke1320]

Hi, Tessie. You laid this all out clearly, and what you're doing makes so much sense to me. After you posed the question about taking SS at age 62, I started thinking about what our income will be when we're living on SS and my pension (from when I was still a classroom teacher). I think that adjusting our living now to more closely match what the amount will be then is excellent preparation. Our budget is pretty strict already, but you've got me thinking about how and where we can implement additional changes into our lifestyle so we're ready for when that time comes.

[@guykenniker9498]

I lived like I was retired for 1 year before I knew I could do it. 10 years later still doing fine

[@dh4398]

I did the same thing.

[@grammysix5459]

I love your channel and your openness! I am so thankful for your honesty. I’m trying to allow the Lord to lead our life. We early do live on Social Security. We live in an old mobile home on well water and septic system. My husband has heart disease and I have cancer. We are happy to live the way we do.A Very peaceful and quiet life! God is so good!! THANK YOU FOR YOUR CHANNEL,

[@HomesteadTessie]

I am so happy to hear that you are finding peace and joy in your life!

[@StellaMooney-qf9ff]

We started living like we were on social security before i retired for about 3 years. We made sure we had all debt paid off before i retired.

[@PenniestoDollars]

I have spent much of my life without health insurance. I also grew up without it so I don't think it frightens me as much as it does others.

[@Nwladylaura369]

😮 I’ve had it off and on, but now that I’m older I have it and do need it. One semi big medical issue can cost thousands!

[@PenniestoDollars]

@@Nwladylaura369 I have a chronic condition which cannot be treated.

[@Frannieville]

I had a friend who had an anorectal fissure. She didn’t have health insurance and because she didn’t have health insurance she couldn’t find any physician who would see her. From that untreated anorectal fissure she developed anorectal cancer. Finally she got a physician to treat her. But by that time her cancer had spread. She died at age 38.

[@tmusa2002]

@@PenniestoDollars My brother wasn’t insured and ended up with empyema. Lung surgery and a month in the hospital and he lost his house and everything went down from there. He’s living on social security with absolutely nothing in savings.

[@Nwladylaura369]

@ 😓💗

[@joannetaggart4136]

You've got a plan and it's well thought out. Thanks for your visit. Nice to hear Earl is still in residence. 😊

[@rhondawells791]

My husband wanted to retire early due to medical issue....he was not yet medicare age he was only 58... However, We knew he really needed to so I explained to him if we needed to live off of "just my wages" for a year and if we did that comfortable then we would know what to expect... It worked out fine. There was no extra every month but we were able to do it... We banked his wages for that year and that started a nice emergency fund just in case. I think its good to practice living below your means just for your own knowledge of worst case scenario.. Just in case

[@debrabritton423]

SO HAPPY TO RELAX AND LISTEN TO YOU, Ms. Tessie❤❤

[@joannemathews8394]

I am 63 years old and on SSDI.I have no debt. And a very low budget. But still manage to save a little each month. in case something comes up like car repairs etc. and I am content with my life. Thank you for sharing Tessie.❤❤❤❤❤❤❤❤

[@kathycantrell6174]

Tessie you are such a blessing to so many.

[@MaryMcroy-n4d]

I enjoy your videos. My husband passed away last October so I'm making lots of changes in my budget and lifestyle. Thank goodness I was already frugal but getting adjusted to one income is challenging. Keep up the good work. Looking forward to more videos.

[@charlesmckinley29]

My dad’s name is Earle and his nickname is Squirrel.🤣😂🤣

[@ChristinaBastilla-yx3hj]

Thank you for sharing Tessie. Your transparent video is very inspiring to see that it can be done on less finances. You give me goals of my own. I don’t have health insurance either and I pay out of pocket for our healthcare.

[@HomesteadTessie]

Thank you so much for the kind words!

[@carrieschnug9830]

Property taxes need to be abolished! Maybe after mortgage paid. Or retirement? But you never fully own it if they can take your home for not paying. And they go up often. Like to see that gone!

[@HomesteadTessie]

I agree !!!

[@tmusa2002]

@@carrieschnug9830 most states give seniors a tax break, which is good. Alabama offers full tax exemption for people 65+!

[@lavonnecozzi1663]

How are the police, those who work at the court house, etc. going to get paid?

[@jenchelle13]

I'm really digging your new hair style Tessie, I dig your thoughts and ideas too. You are so down to earth.

[@MaryAnn-e6s]

Luv your channel. The risk with no health insurance is that medical providers are being very mean these days and not giving options for payment plans. The only concern is because you do have assests ( land , vehicle) you may be at risk for losing those due to medical bills but it depends on your state laws and what they can take if you had to declare bankruptcy. Best wishes in your endeavors. ❤

[@HomesteadTessie]

Thank you so much for posting, thought that if you live in the US, they couldn't garnish wages or take the roof over your head for medical debt. I know Pennsylvania recently passed a law, and I think Obama might have passed something, too. If I have that right, the situation in Pennsylvania is very different from the national picture.

[@lisahertel2415]

They want and need to get paid. Go yo a charity hospital that is a 501c3

[@lisahertel2415]

@@HomesteadTessiethen , why not have obamacare? I thought that solved everything?😂😂😂

[@ivegottabeme1]

Thank you for your transparency. It sounds like you’re in decent shape, frugal and responsible. I’m done with consumerism too.

[@Vicki-fb1ei]

I wish you could explain that to my sister. For 4 years I cut back my hours of work a little at a time until it equaled what my social security would be. Paid off house, car and majority of credit cards with my 401K and had still have some in savings. Retired and now no financial stress. My sister wants to retire next year yet she has all of her credit cards maxed, car payment and has pulled her retirement out for lavish vacations. Very worried about her emotional ly when she does retire. Thank you so much! We are doing this challenge too.

[@Nwladylaura369]

You can Not make her understand until she experiences it! My Sister is the same way and spends, spends, spends or at least she did when living with and off our Mom. Now that she has received her inheritance, I have no idea what she does. I’m just glad I don’t have to try to manage her spending anymore. It was a nightmare!

[@carolynlee8948]

You certainly put a smile on my face when you mentioned Earl the squirrel. How cute!!! 😊 I too have to 'sit down' and give serious thought about what I must cut as far as monthly expenses goes. I'm really thinking about getting rid of wi-fi. I'm just not sure yet. I've had it for like 12 years, and I'm not pleased with how much they've raised their monthly price. If I could still cast videos from my phone to my TV without it, I would 100% do it, but I dont think that would still work (casting from my phone to the TV) if I did. Things at the grocery store are not getting any cheaper. I've really got to figure some budget cutting things out. Tessie, when you get your chickens (if youre still planning that), you all may want to check with your tax office about putting an agricultural exemption on your property. When a person has chickens, etc., you can most likeky claim that exemption. That exemption should lower yall's taxes even more. Thank you for the video. 😊

[@AmyJo-54501]

Not tech savvy but I did buy an adapter for my iphone that allowed me to connect my phone to my "dumb" tv via HDMI, using the tv as a Monitor, so to speak. I haven't check it in a while but I'm not sure I could view horizontally - meaning the YT videos I watched were in vertical mode, even on the tv - I just never took the time to figure it out. now I use an HDMI cable to connect my laptop and "watch" the internet that way - basically having a large monitor vs watching on my laptop. I'm not paying for any streaming etc and hope to cut waaay back on all screen time. I need to get my life back instead of numbingly 'watching' it go by. Not advocating for everyone - just my thoughts. I watch very few things - Tessie, Amanda (PP), Larry and Hop (UTM), and two or three others though not every vid that comes out. Because I am in the "early stages" of this change, it is a little uneasy and at the same time exciting. best to you on your journey to find a solution to the wi-fi and other costly things... we definitely benefit when we make frugality 'fun'!

[@marybethsmith6458]

I think you explained everything quite well. I don't have health insurance or house insurance either.

[@simplyfundamental]

Please get medical insurance when you can. You will feel so much better. You stress less when you are covered. Wishing you the best. ❤

[@HomesteadTessie]

Thank you so much for your kind donation it is a blessing to me and we will use it wisely

[@charlesmckinley29]

Talk to your agent and make sure they are going to pay out since the mobile home has depreciated to that point.

[@julissugarpiecottage6499]

I just want to let you know I have been enjoying your videos and they are inspirational to me. I just found out today that my father has a brain tumour and watching your video tonight gave me comfort. I wanted to tell you thank you so much for making your videos like you do. They have been a constant in my life and have been a blessing to me.❤

[@Myfavorites877]

❤🙏

[@victoriabecraft6166]

Praying for you all! We serve a big God! I was diagnosed with an inoperable brain tumor which is wrapped around my brain stem. I was told I had two months to live. July 14, 2010, I woke up at 2:00 in the morning and I audibly heard God tell me He was going to heal me. The tumor is still there, same place and same size but here I am 14 years later!! All of my symptoms, which one was that my blood pressure would drop to 80/20 for no reason, have never returned! This renowned hospital has a book. I don't know the name, but I call it the "Why didn't you kick the bucket" book. I am in there! Miracles are still happening!

[@junebuchholtz287]

I'm so sorry...praying that things get better with treatment!!

[@junebuchholtz287]

​@@victoriabecraft6166praise God 🙏

[@KenCollinsworth-e8t]

Wow, what an awesome story!! What an amazing God we serve! 😊​@@victoriabecraft6166

[@deborahherring6077]

tessie, we didn't have health insurance for years. It was cheaper for us to pay out of pocket!!! We were not on medications that we needed to have insurance for. We now have medicare and a supplimantal insurance. Some people thought we were crazy, however, here we are debt free and insured LOL!!!! It is what it is.

[@Nwladylaura369]

You are lucky no medical emergencies came up! The cost of one can wipe out your finances very quickly.

[@inquiringmind2852]

Your passion is adorable, and I love how you live by the courage of your convictions. It's inspiring❣️

[@susannaCdonovan23]

I don't know how things work in Pennsylvania but you and your husband could qualify for Medicaid Health Insurance. My sister and I were on that and basically still are but we're both under Medicare/Medicaid. My sister can't work and I can't retire. Both have limited SS and my small earned income adds but fluctuates drastically from month to month. You're doing amazing. So nice you can save and live frugally. You're doing it right! 👍❤😮

[@dh4398]

Medicaid has a 2000 resource limit. if they have over that in bank/retirement, etc. they can't get it. There is something called MAWD if you work and have disability. they might be able to get that.

[@evelynjoy6809]

I am on SS, but i get my late husbands retirement check. That check goes into a savings account for the just in case. So i live only on my SS money. I am debt free with the exception of electric, telephone, and insurances, and tithes. This year I want to bring my electric bills down. Like you i have a garden and can what i grow. I also have chickens for meat and eggs. I fish, so that helps out too. My sister, BIL & I buy and raise a cow which we take to the butcher every 2 years so the freezer is always full. I am lucky there. If people give me food i never turn it down and take it and can or freeze. I am blessed. Very, very seldom do I eat out. I usually cook and eat at home. I pretty much live like you and your husband does. I always look forward to your videos. I always learn something from them. Thank you Tessie for teaching me.

[@matesapringle8853]

Tessie, I have been watching you for years. I can say by far this video you sounded the most confident! So proud of you. Lots of love to you.

[@carrieschnug9830]

Not having g health insurance is not repulsive! It’s unaffordable! We gave reg insurance up years ago. Husband got the VA so that’s a blessing. And I have medi share …. Can’t afford health insurance!

[@thehillbillychickenranch]

Congratulations on hitting 121k! I can understand living on a low budget. We lived on $350 a month a few years ago.

[@HomesteadTessie]

Thank you so much !!

[@wandahershey9227]

Yes congratulations!

[@kimberlyehill6132]

Money is tight for me but I make it work just like you! Thank you for sharing. God bless you Tessie and everyone here.😊❤

[@pr9764]

GOD Bless Kimberly, Andrea😊

[@Betty-JoD]

Hi Tessie! You explained it just fine. You did a good job. 😊 I love your hat!

[@HomesteadTessie]

Thank you so much! It makes me feel so good to see your kind comments

[@tmusa2002]

A lot of retirement gurus suggest that you live for a couple of years on your retirement income before you retire. I think that’s a really good idea.

[@Mrsmadison45]

Our property taxes are $650 a year we pay half in the Spring and other half in Fall, we also have all our bills on auto pay on our Credit card 💳 the homeowners insurance is $1200.00 a year, we also pay the total balance off every month and we are debt free ❤ love your videos Tessie 🎉❤

[@robinsutton577]

I would love to have your property taxes! Ours are $2600.00 a year! Montana voters won't approve a sales tax so that even visitors can help repair the roads they drive on, so the burden is on home owners.

[@deborafranklin7469]

Hi Tessie. Great information on budgeting, thank you for sharing ❤

[@tmusa2002]

A storm could flatten their house and they would be out maybe $20,000. If they go to the hospital once, you can rack up $100,000 very quickly.

[@vivianblossom2536]

Husband fell and broke his hip this summer. Hospital bill was over $100,000.

[@tmusa2002]

Yes, my husband needed a heart valve replaced which was bad enough, open heart surgery. But he had many complications, was in the operating room five times in eight days and in the hospital for three weeks… $800K. That’s not counting the care after he was out of the hospital. Nobody would have guessed this. He went in 57 years old with almost no medical history other than being born with a bicuspid aortic valve. So, the thought of being without medical insurance terrifies me. We’ve got to protect the assets we’ve worked so hard to accumulate.

[@vivianblossom2536]

@@tmusa2002 OMG, hope he is okay now and doing well!

[@Beewalsh.1321]

Hi Tessie always a pleasure to watch you. Yes I am an OG of yours and I'll always be here. It's nice to have an entire acre. 🎉

[@annewilson834]

My sister and her husband played the no health insurance game. Both were very healthy. He got a rare form of cancer and now they owe over 650k. She regrets not getting it everyday.

[@joselopez-he1mc]

Media founder Glenn Greenwald paid for insurance for years. When his husband got cancer the insurance didn't cover it and he died. He shared this a month ago so you take your chances either way.

[@debbieframpton3857]

Insurance or no insurance you take your chances I prefer to have insurance. In 1996 I had ovarian cancer I took chemo over two calendar years our out of pocket was $6,000 total. We had been married 23 years at the time and my medical bills totaled way over the amount of premiums we had paid for those years. I'm currently fighting a health issue now have been in and out of the hospital since the middle of September I have spent 18 days each in two different rehab facilities I would not risk not having insurance

[@brandipiecora7640]

@@annewilson834 They should bankrupt out of it - I know it’s not for everyone but that type of medical debt, idk it wouldn’t even affect their credit much and maybe for the good. I think if you don’t have medical insurance make sure you have nothing to lose either like 401k’s extra homes etc.

[@connieaaron5743]

Your no health insurance would make me sooo uncomfortable. I'm sure things I do would be way outside your comfort zone. Thank you for sharing your truth.

[@donnawhitley1451]

I remember watching Prepper Princess when she said she did not have home insurance because she could not find anyone to insure her. I am glad I don't live in California.

[@marniejohns8160]

@@donnawhitley1451 Florida is almost the same

[@commonsense6967]

@@marniejohns8160 Yes, and FL insurance premiums, which I paid without making even one claim for 30 years, can be dropped, which I finally did 3 years ago. Now I self-insure.

[@debbieframpton3857]

I found that hard to believe that nobody would cover her for insurance my opinion is she didn't want to pay their premium

[@donnawhitley1451]

@ CA is not offering insurance to a lot of people. It is not the premium. It is a real problem for many people who live there.

[@loridreisbach554]

And if you have insurance they deny you. So who wants it. Save that money yourself

[@donnamcatee5323]

I am retiring this year and will live off my social security. Thank you for all of your encouraging videos.

[@vickymartin9361]

I always say.."You don't know what goes on behind closed doors" If anyone gives you grief or badgers you, it's called blocking them. No need for people to be mean. Those people, if you open their doors, you would be surprised. Stay positive.

[@cumberlandquiltchic1]

I couldn’t help but think of , Jeri Landers of Hopalong Hollow, when uou opened the shed and the rabbit and talking about the squirrels. If you don’t know her… you’ll love her gardening, cooking, creating, history, books, everything beautiful and wonderful and things you love

[@cumberlandquiltchic1]

I hope you get this because every time I try to tell someone about something, like you for example, I get deleted because I guess they think I’m not a person.

[@HomesteadTessie]

Yes I sure do absolutely know her she and I are friends in fact she gave me a very beautiful gift a hand signed book that she wrote I have that video out somewhere

[@cumberlandquiltchic1]

😊👍

[@homemadebydebbie5294]

Great video Tessie. I really enjoy your frugal videos.

[@tlcmercer3427]

Not to have insurance on your home is Scary Unless you Have the money to replace your home without WORRY!

[@HomesteadTessie]

I totally agree that's why I will always have insurance in my home

[@potpourrioflife]

I find that transparency is far more valuable than not.

[@carrieschnug9830]

Thanks Tess. We looking forward to this one. Money is so hush hush. Thanks for being transparent t about this personal issue. Can’t wait!

[@wendylouise7780]

She wasn't always this way.

[@terristalter]

Hoping to be able to make changes to live more frugal...unfortunately my husband isn't on board which makes it difficult but I do what I can 😊

[@sarahpettengill6560]

I don’t have health insurance either.. don’t feel bad, I actually feel weird telling people that too. I like the way you approached this and being honest. Really really awesome and commendable! Everyone can choose how they want to live. People should stop judging. 💗🙏

[@HomesteadTessie]

Thank you so much !!

[@georgiabell3640]

Good evening Tessie and friends ❤many blessings

[@pr9764]

Good Evening Georgia 😊, Blessings, Andrea

[@owen4248]

Good evening Georgia Bell Blessings :-)

[@CentralNH]

Great video. It's sad I know someone who had the same house insurance company for 50+ years they updated info every year. Their house burnt 2 years ago and all they got was 13k that didn't even cover removal of hazardous waste basically anything that burnt and boarding up the house and money for a place to stay for 6 months. They have nothing now and it's sad. Health insurance is a damned if you do or don't. How many people really use heath insurance or use it to the full extent? But if you get diagnosed with cancer or break your hip your screwed if you don't have it. The insurance companies have us all in a corner. Keep up the great work 👍 glad you stopped making Amazon rich.

[@debbieframpton3857]

I had ovarian cancer in 1996 I had been married for 23 years at that time insurance covered more than the 23 years of insurance premiums. I'm currently having health issues since the middle of September been in and out of the hospital many times and spent 18 days at two different nursing homes for Rehab. I would not be without insurance

[@stevepmo]

medicare 180 and supplement of 162 takes alot out of my social security

[@Nwladylaura369]

True, but if you were to end up in the hospital, you would be financially broke! Our medical system is broken!! 😞

[@debbieframpton3857]

I have a policy through Aetna I pay nothing for supplemental insurance but I do have a higher deductible

[@MichaelR58]

Happy Saturday Tessie, have a wonderful evening, thanks for sharing, YAH bless you sister !

[@pr9764]

GOD Bless Michael

[@MichaelR58]

@@pr9764 YAH bless you Andrea

[@timothybrown7779]

We all could benefit from cutting back, living on less and saving when possible.

[@HomesteadTessie]

Hi Timothy it's good to hear from you again I hope that life has been treating you well

[@normasawyer3870]

Thanks for sharing this was very informative have a wonderful weekend ❤️❤️❤️❤️

[@carolynlewis4882]

Praying for you and your family to live in good health 🙏

[@RagdollPreppers]

I love this video, thank you, Tessie❤❤❤❤❤❤

[@juliewebber2749]

You are doing great Tessie, congratulations.

[@HomesteadTessie]

Thank you so much!!

[@AC-sn5io]

We loss our health insurance , several years ago for 1 year before we were able to get state health insurance but I'll tell you Rite Aid, and other pharmancy's CVS, and Walgreens, over charge for Medication my husband, got a three month RX for his thyroid medication for $15.00 so $ 5.00 a month, when we paid our of pocket when we had insurance it was $45.00 a month with insurance and we still paid $10.00 so $30.00 out of pocket with insurance so a big rip off .❤

[@Mimis4grands]

Husband spent 4 days in hospital over Christmas. Over $55k bill.

[@dixiegirl999]

Don't forget, hospitals are non-profit so, if you don't have health insurance & owe that amount, if you can't pay it, they can write it off.

[@JayP-kd5rc]

@@dixiegirl999 Good luck with that.

[@Nwladylaura369]

@@dixiegirl999 After they take everything they can from you!

[@debbieframpton3857]

​@@dixiegirl999, They will only pay if you qualify for Medicaid so if your income is too high you get no help. I know this from experience

[@carrieschnug9830]

What’s repulsive is the cost of health insurance! It’s would be close to $1800 for just husband. Can’t afford that! And I have medishare he has VA. Without those we would have nothing too

[@HomesteadTessie]

I absolutely love all of your comments! I hope that other people are reading them too because you have really great insights

[@junebuchholtz287]

​@@HomesteadTessie I'm nosey.. I read mostly everyone's lol

[@Kimberly-yx3gn]

Hi Tessie. I live in California and just found out that Homeowners insurance will not renew. I have a feeling that if I find insurance the budget will be greatly affected. Wish me well. Thank you for sharing.

[@maegardnermills4292]

Thank you, pretty Tessie. Budgeting is exciting.

[@HomesteadTessie]

You’re welcome! Budgeting can be a fun challenge 😊

[@victoriabecraft6166]

I'm one of those weirdos who think budgeting and saving is fun too! I was so excited on Friday when I came in $26.18 under my grocery budget because I was able to transfer that right into my savings! I would have transferred it even if it were only 18 cents 😂. My husband was shocked how much I was able to save of our money just by transferring every little amount. I have on my budget for the month to put a certain amount into savings, but I also only leave a certain amount in the checking account for the week. Anything left over at the end of the week (mostly gas), I transfer that to the savings, so I start with a cleared slate the next week.

[@unitedheartsamerica5924]

Oh how I wish I felt that way.. that budgeting is exciting. It is anxiety filled and the situation never improves. Lots of bad feelings because of struggles with Making ends meet- even living frugally. Taking steps to face things and take constructive steps. Tiny steps to build momentum of success.

[@NoraYoung-b5v]

Hi Tessie! I am a little behind on your videos because I am laid up in hospital with hernia issues. I truly enjoy your inspirational videos! God bless you

[@victoriabecraft6166]

@@NoraYoung-b5v Praying for you!

[@pr9764]

Lovely To See ' Little Earl's House'🤗, Well Done Tessie! Blessings, Andrea

[@juliewebber2749]

Good day Andrea have a blessed day.

[@magtye40]

Love all your videos from the beginning..have watched you grow and mature in your channel... Keep yourself true to you...

[@HomesteadTessie]

Aw, that means so much to me! 😊

[@carolynlewis4882]

Our friends look at us sideways when we tell them we don't have cable TV 😂 I love your upbeat encouragement to not spend money ❤

[@yohannahthewarriorofyah1523]

Not had cable TV for over 26 yrs and have missed nothing ❤

[@GrannyPrepper8082]

I live in a 5th wheel trailer in an RV park. It comes with basic cable. If it weren’t for that, I wouldn’t have cable either. I live on social security only, it can be done.

[@unitedheartsamerica5924]

No cable here! Such robbery. I watch 2 programs on TV but I watch via phone app. We have a tv antenna for local Channels to watch football . Watch 1 -2 movie a week from Prime or Netflix, thats it. Dont miss other TV.

[@tmusa2002]

@@carolynlewis4882 My in-laws pay $200/month for cable!!!! Makes me ill but they are set in their ways and watch a lot of TV.

[@valeriegrice4775]

This is a very inspiring video! Thank you❤

[@HomesteadTessie]

You are so welcome!

[@laurabrown5983]

awe Tessie I know you like the outdoors but its cold! you could sit on your couch and do these videos and be cozy warm too!!

[@morganwoodsfarm-kim1060]

I don’t do any videos on KZbin, however, I have heard that the more views and the more subscribers, which leads to commercials and monetization, earns KZbinrs money. It’s sad to hear that you make nothing or next to nothing for the year for putting out your videos. These daily videos are so helpful! The guidance that you give on how you both live your life gives so many others guidance and helpful tips and how to be frugal and how to save money. We so appreciate you!

[@HomesteadTessie]

Thank you so much for your kind words, it means a lot that you are enjoying the videos!

[@Pammy00013]

She has to make somewhat ok funds, it’s supporting her and her husband!!

[@HomesteadTessie]

yes I'm doing very well That is simply because Are the lifestyle that we're living we don't have any luxuries

[@victorialg1270]

Pepper Princess has no house insurance because she has no mortgage. If you have a mortgage you have to have insurance. Consider very healthy eating and exercise in place of health care.

[@HomesteadTessie]

Thank you so much for explaining that to me we don't have a mortgage but we do have home insurance for fire and storm and of course for liability I actually always thought that was a law

[@TheThriftyGma]

Pepper Princess is also a self proclaimed millionaire... so she doesn't need to worry about anything like that.

[@TheThriftyGma]

@@HomesteadTessie .. You're smart having that insurance.

[@linhaton4957]

Debt free is freedom.

[@linhaton4957]

Health Insurance is expensive. I’m guessing lots of people go without it.

[@lindarinke6024]

You look so pretty in the stocking cap!!

[@HomesteadTessie]

Thank you so much!!

[@carolynb2457]

Perfectly clear explanations Tessie. I love Discover card as well and try to use it for everything I can. Also enjoy not having to listen to sales pitches for a lot of products with affiliate links. Some really favorite products aren’t bad but some You Tubers are hawking a different product with every video. I won’t continue to watch those.

[@pauls-finds]

I'd like to live on $800 per month but with the cold weather in January my gas bill alone was $500. Electric bill will be high too.

[@evelynjoy6809]

Congratulations on increasing the numbers on channel.

[@HomesteadTessie]

I appreciate the support! 😊

[@victoriabecraft6166]

Wow, $600.00 per year is taxes is wonderful! My taxes just went up to $2612.00 and that is cheap for our area. It would be double that amount if we lived in the city. My parents live in a 1987 double wide on 3/4 acre and their taxes just went up to $1000.00 per year. They also don't live in the city.

[@gerigowers8318]

Thanks for this. I always watch Prepper Princess and, over the years, I think her monthly bills have gone from $800, then $1,000 and now $1,200. Recently she had no homeowner's insurance because they wouldn't cover her til she got her roof replaced, which she's done. I know her health insurance added a big chunk. so that's probably the difference between the $800 and $1,200. It's always good to keep checking. Our electric company has just revised their billing and we have "peak" hours that we get super-charged if we use heat, washer, etc. during certain times. There's a petition protesting this practice because you can get charged for the whole day just by using heat during even one peak hour. I also have HOA fees that I won't be having when I downsize in a couple of years. Luckily, property taxes are reasonable here ($1,300 compared to $6 or $7K in NJ where I'm from). Keep us updated as you learn because we could all use it.

[@ksewald91]

We are retired, I took mine (62) when hubby retired at 66 and do not get the full amount. We were really confused about medicare and ended up with just basic plan and Rx plan. No dental or eye doctor coverage. We both had some teeth that needed caps/root canals and pulled. Normal cleanings and fillings are a big expense too. Glasses are about $1,000 a year. I got sick with a serious medical condition. Dr. recommended upgrading our Medicare. At that point, there is no changing it due to now preexisting condition. My advice is really research your options!

[@CynthiaSawyer]

God bless you Tessie and your hubby! Things will get better and your future looks very bright and blessed! You are two smart and godly people with a awesome heart. Your friend always CindySawyer from Michigan!❤❤

[@victoriabecraft6166]

Good for you that you earn some interest on your money! We have a money market account. We have our propane, house taxes and insurance, plus our vehicle insurance and plates money in that account. We keep a pretty strict budget, and I have written down how much of the money in the money market account goes to each item. I can totally see that the two of you are strict to your budget too! YOU DO YOU is my theory. We do retirement since my husband is still working. We also have health insurance through his work. We are preparing for him to retire in the next couple of years so it's a good idea to start "practicing" ahead of time.

[@carrieschnug9830]

Ok. Comment no 100…. It’s your life! Your money. And this was so helpful and encouraging! Your husband will have to have the Medicare eventually….

[@Mrsmadison45]

We have Medicare Advantage from Humana we do not pay a monthly premium or co pay to see our family doctor. I went without health insurance for many year i paid cash when i saw my doctor. I am very healthy ❤

[@JMRecordz]

Don’t just save for retirement-invest for it. A well-planned portfolio ensures you have something to retire to, not just from.!!!

[@barbarahughes6009]

No matter what you say or explain on KZbin there will always be really unkind people who will criticise etc.I think it comes with the territory because they feel safe and anonymous.However ,if you can focus on the hope and information on survival that you give to so many people it may make the ugly comments less painful.You do a wonderful service to so many of us who are struggling.Thank you.

[@denisebolin-clark8826]

Im liking these " newer" videos.

[@HomesteadTessie]

Thank you so much !!

[@lindahyem5804]

Good luck Tessie! You are doing great

[@pamelaward4527]

Hi. Mrs.Tessie Thank you for breaking it down , it's teaching me a lot and you really do explain it well have a blessed day, Blessings ❤️❤️❤️🙏🙏🙏

[@NanElle19]

I have a health insurance question, Tessie. When you file your income taxes, the IRS wants us to include proof that we have health insurance. If you can't prove you have insurance, they make you pay a penalty during tax time. What do you do about that?

[@nancyhernandez655]

@@NanElle19 Hello. I think that is state law. I live in Mass and you pay a penalty if you don’t have health insurance. I might be wrong.

[@concernedcitizen4908]

No, there is no longer a tax penalty for not having health insurance in Pennsylvania.

[@HomesteadTessie]

we never had to pay a penalty ever It must be for certain states because we never were forced to get health insurance

[@foreverlovely2580]

I have insurance on my house just in case of any emergencies and also health insurance and other savings.

[@Jasmine-nf5bk]

Tessie -- I have a question for you. If I watch old videos of yours (from many years ago) or if I "repeat" watch ANY video of yours (whether it's old or new / newer) does it generate income for you?

[@HomesteadTessie]

, yes Absolutely That is the only way I earn an income

[@kasandrabrown8611]

Love your squirrel house. You can probably have fun with it. Regarding property tax, it's not going away. Don't forget donations 🎉

[@sjr7822]

With that property tax, you sure don't live in Maine. Ours went up 50 percent this year, my income did not go up to meet increase taxes, goods and services. When you are my age no one will hire a 82 yo, live is getting difficult for the elderly in this state.

[@JeannieGrayKnits]

I just stumbled across you and am looking forward to future videos. As for this one, we went years without health insurance sometimes because we couldn't afford it and sometimes by choice. We are getting older and both have some health issues now so we have chosen to get health insurance. We also only have liability insurance on our vehicles.

[@HomesteadTessie]

Welcome to My Channel. I am so honored to have you here! I hope you continue to enjoy My videos