Less Income Deep in Debt? Do this!

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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[@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!

[@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. 🙏💜🙏

[@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.

[@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.

[@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

[@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.

[@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.

[@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.

[@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.

[@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!

[@nyunixguru]

Simple life less stressful

[@loris2168]

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

[@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!!!

[@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.

[@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.

[@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.

[@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.

[@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.

[@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.

[@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! 🙂❤👍🙏💪

[@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 :)

[@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!

[@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.

[@melodiegasaway6401]

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

[@judymartius7779]

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

[@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

[@Randy8923]

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

[@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!

[@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.

[@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!🙌😍

[@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.

[@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:)

[@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.

[@Bigfoottehchipmunk]

I once read a book called "Living on Less and Liking it More". I told my husband I learned a lot, but I had to really think about how we could save money, because I was already doing most of what was suggested. haha I broke my arm last year, and I had to quit my very active contract job. I really want to stay home again and take care of our home and really garden and such. I do have a small at-home income option, when I have time. Mostly, I want to revisit a lot of those ways that I used to conserve and save money and simplify our life a bit more again. We've never lived too high on the hog, but there is still room for more frugality and the stress relief of simplicity.

[@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

[@gertbanks7585]

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

[@tammyhughs7836]

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

[@rickballard1627]

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

[@farmyourbackyard2023]

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

[@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.

[@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

[@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!

[@nyunixguru]

Those fast food costs are sneaky it adds up

[@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!

[@ruthieruef2185]

So helpful Tessie and the reality is my job hours are being cut and being made redundant. Have been following your channel for several years grateful for you wisdom. Thank you 😊

[@Janice_1979_]

Thanks so much Tessie. I’m living on 1 income now I decided to stay home with my daughters after working 17 years. I cut my phone bill, just have cellphone. No more Netflix. Also always eat at at home. I only do my groceries once a week.

[@sandrayarnell9498]

I admit I did a little bit of dumpster diving in 2019. I guess I was curious to see if businesses really waste a lot. I was shocked to find out how much food, clothes, furniture, decorations, and shoes the businesses throw away. I rescued baby clothes and donated them. It takes discipline to get out of debt. I saw it as an exciting challenge to get out of debt. I have a different mind set now. I still dont have internet or TV. I use the internet on my Walmart phone. I have never had a phone contract. I save money by paying for my cell phone bill 6 months at a time. By the way, my fiance bought me 2 shirts at the thrift store yesterday. You are giving great advice Tessie! God Bless!

[@lynnheffron6905]

@Sandra Yarnell, who is your service provider and is it unlimited minutes? I need to switch from Verizon for a lower rate. ⚘

[@sandrayarnell9498]

@@lynnheffron6905 My phone is a Straight Talk phone from Wal-Mart. It is unlimited minutes.

[@lynnheffron6905]

@@sandrayarnell9498 Thank you for reply, I do like unlimited. How much is it monthly vs paying 6 months at a time? I've heard good things about Smart Talk.

[@rexcarebear4701]

@@lynnheffron6905 you didn't ask me but let me jump in here anyway. I recently switched to Cricket $55 for unlimited everything great service I love them. Plus they have an app on their phone if you leave their screensaver on you can save another $8 a month so many video if you watch some of the videos a day you can get more. Using this I have never paid more than $20 the whole time I've had my phone service

[@penniematney9959]

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

[@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 !

[@merryanneadair4451]

Amazing video, Tessie!! You're enthusiasm is helping many of us!! God bless!

[@HomesteadTessie]

Thank you so much!!

[@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

[@jaynelymer6442]

Very timely advice Tessie alot of people are going to find their money won't go as far with the inflation and shortages that seem to be happening everywhere. Love and blessings to you Tessie Xx 💕

[@NJ-xp4eb]

I remember when a colleague who dropped of items in a charity shop saw me buying items. The look on his face was pure shock, wasn't the fact that i bought items there but the way he looked at me labelling me "poor", kept my head high because it is not my faulty my job is not paying adequately. Now everybody is "sustainable" so it has become cool, I think we should see ourselves as the trendsetter. I got a bit sad because I didn't have a lot to do up my kitchen and it is really falling apart, so I got a new larder unit second hand for a third of the price, all my laminate in good condition free, skirting board new for free. Took a bit of time and effort to source it all, you have to be like a hawk. And I got all my own Christmas presents for free my from the freebie sites all new. The one point i find really difficult on is to save for my teenage boy, school just asked us to buy a laptop for them, plus sweets and takeaways as a treat. Also fuel prices have shot through the roof here, they have become like the stockmarket, need to find a solution to that.

[@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.

[@nyunixguru]

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

[@brendasmiley6128]

This just might be your most important video ever! Although I enjoy all of your content, this one is soooooo necessary for folks that are going to experience things unlike anything we have ever seen. The Great Depression taught our elders how to survive anything, though people now are so used to a certain way of life and it's not our/their fault. Knowledge is power!! We can ALL do with less. Thank you for imparting these words of wisdom. 👩‍🌾🏡☮💚

[@mjones2897]

All true. I agree. In the long run, one is better off w/simplicity. Your beautiful acre will compound naturally in the long run as long as you stay on it, take care of it and focus on simplicity and daily life and---- never ever get swayed by fast money. Simplicity is key to confidence and well being over a life time. I find the same joy you do by doing things myself.

[@maryhull531]

Such good advice here Tessie . Hope people get the message . You can live more frugally at any age .

[@lindamoen6618]

Oh how I needed this - yesterday I made egg rolls from scratch but I had the wrappers in the freezer found cabbage, onions, carrots, peppers put them in the food processor and cooked them added soy sauce and wine vinegar fried in oil I remembered I had in my storage stock. This AM I made waffles from scratch and put in some of my sourdough from the fridge and added the oil I used from the egg rolls. For supper we had home made French fries in the egg roll oil from yesterday. So many uses and I am not throwing the oil away!! God Bless you and stay frugal.

[@nyunixguru]

I gotta do egg rolls just don't like paying for the wrappers

[@lindamoen6618]

@@nyunixguru Walmart is the cheapest place to get them and they can be frozen. God Bless

[@GoodThingsEtc]

I needed his video for sure! Before pandemic I was in-debt like many of us but I. Two years time the interest rate went up big time! Due to major health problems I am unable to work and praying for disability big time! I’ve tried to sell furniture and brand new shoes but no one wants any of it! I’m still trying to figure out how to work from home. It’s definitely not easy when one is learning challenged and lives on very little money. I will start my challenge come New Year’s Day! Every time something sets me back and the feeling of being trapped is not fun! Thanks again so much Tessie and congratulations!!! Maia

[@foreverlovely2580]

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

[@laureencortese8588]

I have never been one to enjoy eating out I have always preferred home cooking . All this is a very helpful I'm going to send it to my daughter 🙂

[@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 !!!! 🌺🌸🌺🌸

[@marionlacey1986]

Once again such a great advice video Tessie. We have never been crippled by debt apart from a mortgage that took us 25 years to oay off a very old stone home. Got rid of credit cards years ago and only use a debit card. Most important to us apart from house and car insurance is private health cover because of much prolonged health issues. I crochet, put the left over bits of yarn into a bag which makes great cushion stuffing. Also knit, sew most of my own clothes and make my own soap, and sourdough bread. I learnt most of these skills from You Tube videos, the best learning tool in the world! Always make jam from our fruit trees, vegies from our garden. Homesteading is just the best of lifestyles....and you keep us so motivated Tessie. Warm wishes to all subscribers here from South Australia. 🐾🥰

[@amason1539]

With the holidays coming up, this is perfect!

[@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 🥰

[@ValerieinSC]

Great video! Visiting the library is my reward to myself each week. Valerie in SC

[@dianehall5345]

Tessie- Your thoughts and advice are spot on. We don't go out to movies or shows, so my husband still has cable, but I can see the day coming when we will pare that down. We don't use smart phones.The farm has a land line. Our cell phone plan is basic. Credit cards have their place, but they should be managed. Mine helped me through covid, when I could not get out to shop. Now we are well stocked with pantry foods and items such as hair clippers that were bought at 2020 prices. I spent money to save money and now I'm done. Like you, we are in the " use it up" mode. Dining out is rare. Our vacations are camping trips. I bought art supplies and taking free classes on line. We are semi-retired, work on our farm, saving on gas. Errands are planned out. And I will definitely continue to watch your videos for help with even more money saving tips. Thanks Tessie! ~ Diane

[@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.

[@HammiesHomestead]

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

[@amitchell9820]

One of the hardest things for me was the emotional blackmail that society and merchandisers put on us at holidays. They guilt trip us to buy things for people that already have too much and don’t know half of what they already own. And, if we can’t or don’t want too go buy “stuff” we are considered bad or poor. It’s a hard decision to do this and most people don’t like change.

[@marthaadams8326]

Rain country has a great video on how they got off the holiday, birthday bus. What is important about Christmas? What is important about your birthday? Think about if sugar is not available like during WWII. I am old and grew up where a cake was a very special event - not every day. Christmas was about giving to others, not begging for something that you want. Children will grow up well adjusted without everything that the advertisements tell them they want (not need). I got rid of tv and no longer know what is the 'cabbage patch doll' this year? People beating each other up at the store to get it - WHAT does that have to do with Christmas.

[@alemack689]

When I was younger, I was a single parent. I worked 3 jobs. I was determined never to let my children go without. I always made 2 lists. One list was a NEED list and one was a WANT list. I very rarely bought anything on the want list, unless it was a special occasion for my children. These lists help me set my priorities. One other helpful hint that helped me was doing a budget. I made sure I listed myself on the list. I paid myself every week. Even if it was $15 or $25 a week. That went in the bank for an emergency fund. Looking back, I was strong and steady and never went into debt. Tessie, I love watching your videos. You and your hubby are doing life right!

[@tessie652001]

Do a lot of this tessie and it does pay off .workiing on our bills as much as possible right now it’s gonna work out . GODBLESS you tessie n family

[@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. 🙂👍🏻👍🏻👍🏻👍🏻👍🏻

[@francesahrens1578]

A PLETHORA of great ideas and inspiration!!!

[@owen4248]

Good Morning Tessie, Sisters, Brothers, and Friends:) Wish you all a wonderful blessed Monday Filled with Gods Joy and Happiness:) Remember to pray for one another and for all around the world :) God Bless You ! Love you all:) Keep smiling be safe:)

[@marthaadams8326]

Amen, you are seeing things where you live that many of us only hear about or do not know is going on. It is so important that we all pray for one another. Humanity is fighting to survive. And, always smile and show the world that there is goodness.

[@joytotheworld2100]

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

[@kalawherry2379]

Thank you for this video Tessie it will help me out so much. I have made my own laundry soap and fabric softener once about a year ago and now that we have our own place again I will be making my own laundry soap fabric softener and dryer sheets also disinfectant wipes and spray and cleaner. I am also switching to cloth towels so I don't need to buy paper towels anymore. I have learned so much from you Tessie and a few other's the last couple of year's and I am so grateful that I have found these video's and learned so much. THANK YOU!!!!

[@jenniferrice5877]

Best video you've ever done! And it's so necessary right now. You make us feel we can do it. I used to fill up my Walmart cart and walked around for an hour then put it all back on the shelves. While it was in my cart it was mine. Then I went home very happy 😊 and satisfied. Most of my clothes were hand me downs and repurposed furniture. Be satisfied with what you have and it will benefit you 💯 %.

[@rexcarebear4701]

I don't mean to be rude but that Walmart thing walking around filling your cart only the empty it a few minutes later is the silliest thing I've ever heard of in my life. There has to be a more constructive use of your time to save money than that

[@berylsly]

Tessie you are of our mindset. We did the same as you. After the tears comes joy at the heavy load of your back. Staying home has been a blessing to us in our lives as we are so content in our senior years. We do a lot like you. However Tessie I have learnt so much from your site. Never too old to learn. I have lost a couple only one friend because of our changes. BUT God sent you to me. So each morning I have coffee at Tessie ‘s place and my day is so happy. God is with us. 🙏🙏🙏🐓🐓🕊🕊🕊🕊🕊

[@nixie8435]

What a beautiful soul you have

[@tammyhughs7836]

I live frugally all the time. We never go out to eat.i make birthday and Christmas gifts

[@autiemuse]

Your review of coming economic/class changes is SO ABSOLUTELY CORRECT, Tessie!

[@margierousu468]

Great video on living debt free. I HAVE BEEN LOW INCOME MY WHOLE LIFE. Some things we.have done during the 50 years we have been married are. ...no credit card debt payed it off. No house payment we live in a paid for mobile home on 75 acres we own debt free. Our car and truck were used and paid for with cash. We hunt and fish...grew up that way!❤ I shop garage sales and thrift stores. I buy cleaning supplys and a lot of food stuff at the dollar tree. ...dont spend ANY money on movies buy used movies at the thrift stores for 2.00...dont have cable tv. Have old school colored tv no big 70 inch model .... I have a vegetable garden every summer....Well I could write a book on how to save money 😆 maybe i should...

[@witchofthewildwoods3496]

75 acres, that’s amazing! May I ask where you are?

[@margierousu468]

@@witchofthewildwoods3496 we live in North West Central MN ❤

[@heysuz701]

I so needed this today!

[@beverlymummomiller338]

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

[@gardengrowinmawmaw8642]

Girl, you are spot on. I admire you and your life style so much. We did exactly what you did, and now....we're happier than we've ever been.

[@HomesteadTessie]

Thank you so much for Brightening my day!

[@desertfamilyhomestead3127]

Another tip especially when you have children is when you get your income tax return use some of it on the debt and some of it on stocking up on essentials like ziplock bags, trash bags, pet food, flour, sugar, syrup, coffee, etc, buy a years supply to relieve your grocery bill stress while paying down your debt. Switch to vinegar as your main cleaning option and buy it by the gallon to save even more.

[@nyunixguru]

Interesting I should try vinegar as my main cleaner

[@desertfamilyhomestead3127]

@@nyunixguru it isn’t caustic like bleach is.

[@maria-teresaramirez4639]

Thx Tessie for all these good reminders. You were the first person I subscribed to when I started on this journey and it's been fruitful. Thank you so much for being so generous in sharing your knowledge and life experiences. I've learned a lot from you. May God bless you always 🤗😚

[@ItsAshley08]

It feels good to live simple doesn't it! Before I met my husband, "THE BIG Spender" I lived off a very very little income, and It always worked because I was super Frugal. Even went without TV and a Cell phone for a while. Just to live in my own apt when I was single. 😊 GOD always provided as I did my part and used wisdom with my money.

[@desertfamilyhomestead3127]

We recently started dumpster diving at construction sites for free good lumber for our homestead projects and it is amazing how much good lumber construction companies throw away.

[@ibislife]

You are so right! I have been budgeting for years and been struggeling with setting anything aside. After this year, with an avalance of big bills from extra taxes to a car repair and 3x vet bills in addition to all other things. The motivation is there... We had to live bare bones to pay off all this, so now, I have continued the bare bones, and set aside 20% of my take home income to future big bills. I have listed all the yearly expenses, like car maintenance, service on my sewage and well, home repairs, and pets, and a few more. I am now in the second month of setting this money aside. It is not easy. It means I have not been to the hairdresser since May, I have not been buying any clothes or homedecor - my two favourite things to buy. (I had to replace the toaster) I have to do this, motivation is no more sleepless nights and no more worries! 😊

[@lisawhitehead7587]

Love you Tessie and love your advice. So happy God blessed me with your channel 🤩

[@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 !

[@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.

[@melindabanning4497]

Right on,Tessie! I think it is easier to be frugal if you have a reason other than just surviving. I like to treasure hunt at thrift stores. Find really good sales on something I have been wanting.

[@foreverlovely2580]

Making your own from scratch is the best way and better.

[@owen4248]

Good evening Forever Lovely :)

[@foreverlovely2580]

@@owen4248 Good night Owen💖😊

[@rexcarebear4701]

Absolutely for the satisfaction of being able to provide for yourself if nothing else

[@sharonbeshore9080]

Testing, you inspire me!!!! love listening to you I always feel so much better about living the simple debt free life.. thank you!

[@jemmiestone3496]

This is such a good video Tessie. Especially now day. Thank you for sharing with us. These are all great things to do. So many people these days are ringing their hands and saying what do I do now. I love you sweet sister. God Bless Y'all. Hur.

[@deborahquigley5064]

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

[@jennifercaskie9751]

I bought a folding rack to hang wet clothes on instead of a dryer running. I cook always. I am not in debt but gas, electric and water are going up. I have to hit it head on.

[@jenniferjones3396]

Jennifer Caskie if you haven’t already done this, buy those cheap outdoor solar lights. Now that fall/winter is here and the evenings get darker sooner, set the lights outside or in a window during the day, then use them in the evenings for light.

[@marybethsmith6458]

It is rough but like you I made a game out of seeing how cheap I could get things and how low I could get the grocery bill while still feeding my family decent food. This is the most thumbs down I have ever seen but its because folks don't like to hear the truth about why they are in debt and how to get out of it. The only bills I owe are from My husbands hospital and doctor bills but they are being paid and will be paid off in a years time then I will be debt free again.

[@kalawherry2379]

Unfortunately places like Aldi Save alot Walmart Price Chopper and other places are getting too expensive especially meat prices and it's just absolutely ridiculous!

[@emiscozycottagelife]

Okay gonna try to add my tips again! Meal prep and meal plan! Make a grocery list! Make extra portions for dinner and have leftovers for lunch the next day. You can mix it up too for instance if we have curry over rice I’ll make extra rice and the next day I’ll use the rice for rice pudding OR fried rice for lunch! If you are like me and impulse buy, utilize free grocery pickup if you are able. That way you only get what’s on your list! Yes they charge a little more for items but you’re still saving money because you aren’t spending on impulse buys! For your monthly budget… try saving up one whole months worth of budget, then use that money for the next months bills. That way you are no longer paycheck to paycheck, you are always a month ahead or more if you keep putting extra into savings, so in case something happens you won’t be stressed! If you absolutely want coffee while out… Panera Bread has a coffee subscription and the first three months are free. If you drink coffee out daily or a few times a week the subscription pays for itself. If you really want to buy something you want, challenge yourself to be frugal with your household budget and save the extra money towards something you really want!

[@HomesteadTessie]

YAYA !!! I GOT IT !!!!

[@HomesteadTessie]

WRITING IT ALL DOWN !!!