Life Beyond the Poverty Line ~How To Live on Less

Hello everyone and welcome to Homestead Tessie. Today we are going to talk about the subject of living below the poverty line. I am not a financial Guru nor do I have any education in finances. But there's one thing I do know and that is what life was like living on a low income and below the poverty line. I lived this way for many years and I have years of wisdom, advice and encouragement for everyone. I am going to be sharing that wisdom with everyone and how we got out of massive amounts of debt not by the help of the government nor the help of anyone but ourselves here is the beginning of our story and the beginning of our journey about sharing extreme frugal living, low income and how to survive and find joy in it all
HOW TO LIVE BELOW THE POVERTY LINE
#homesteadtessie
#theproductivehomemaker
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[@tkcompton2]

When my husband was forced to retire due to his health, it brought us closer because we work together on everything to survive on income that was half of what we made before retirement. But we are happy, have a roof over our heads, food in the frig and a warm bed. What more could you need? The Lord is always there for us and that's a promise.

[@denisemorrow4191]

He is always faithful ❤

[@virginiamaciuleviciene606]

You, Tessie, and Keny deserve the utmost respect for not filing bankruptcy!!!

[@joycejackson9315]

I live below the poverty line very well. I have a home, utilities, and food , no debts. And a wonderful family and grandchildren. I like your show. Your a young women who is a success story for your generation. Great video

[@pr9764]

Well Said Joyce🙂, Tessie IS ASuccess Story Isn't She! Blessings, Andrea

[@annequiring5652]

Many people today can’t discern between want and need.

[@HouseholdEconomics]

Admire anyone who lives within their means - kudos Tessie!

[@hollyj2925]

Health is wealth! As my health overnight changed it taught me a lot especially patience.

[@owen4248]

Who Loves Tessie Time :-)

[@juliewebber2749]

I do

[@jeanetteambrose4854]

I do...upstate NY in the Homestead Tessie zones!!!Followed ever since I happened upon the channel several years ago.Grew up rural and glad for it nowadays...💯👋🌻🍀🌹🌒🌠🧸🖋📚🪡🏡🐝🐔🐓

[@carolynlee8948]

Of course. ❤

[@SherrylJones-bz5wv]

I certainly DO!!! Good to be back!!

[@wandafaulk3641]

I do!

[@owen4248]

Hello Everyone Welcome to Tessie's Channel :-)

[@owen4248]

@@MichaelR58 Hello Michael 58 :-)

[@dellasmalley6097]

Hello Owen n family please let's get those thumbs up 👍👍👍

[@SherrylJones-bz5wv]

Hello Owen. Finally found my way back...

[@dottiebs5873]

Hi Owen 😊

[@dottiebs5873]

I love to hear how yall made it thru hard times. A lot of people need to take your experience to heart and learn from it. ❤

[@mamadoom9724]

I’ve spent much of my adult life below the poverty line and nearly all the rest of the time I was “lower class.” I only moved my way up to lower middle class for about a year. I think frugality is a fun challenge and I’ve gotten really good at it. I think even if you have money frugality is fun and important.

[@TIGNIM]

You are a blessing to many ❤

[@bonniethiessen5506]

I remember when I was growing up. We had all kinds of outdoor adventures. We played in the river, climbed trees, built forts, and rode bikes. I never felt like I was missing out. We hit rough times when I had kids, but they always had everything they needed. We made up games and got through tuff times. Thank you for sharing your experiences ❤❤😊

[@mommacheryl]

Isn't it amazing how God supplies all of our needs

[@nancyswindsoressexcounty9973]

Tessie Thankyou for your honesty and your ‘ life’ living with the same mind set as if you were still living below the poverty line! I am very interested to learn from what you went through ! One never knows what our Lord has for us to go through! Could possibly be me !

[@gailann7813]

Me too! I would like to know how you stayed so positive while going through all this? Maybe a Part 2 later on?

[@lifeisgood7696]

Tightwad Tessie, I can’t wait to have you teach us some things.❤

[@virginiamaciuleviciene606]

Hi Tessie! Good to see you! Glad you are always on time

[@angelaprice3435]

Ill soon be 65. On my own abd retired for health reasons. They don't prepare you for what radiation can do to your body. I have a mortgage and car payment abd very little savings. It amazes me how things keep going up in prices. I cut back where l can but some prescriptions l must have. Im debating about selling my home and purchasing a mobile home instead. I wish l had the energy to do some of things Tessie does. She really gives me inspiration. ❤😊

[@lindanizamoff7981]

remember there is no shame in going to a food bank.

[@happyfeetgal3879]

Tessie I learn a lot from your videos 🤗 I love how you wear you handkerchief in your hair can you please show how you put it on. I've tried but mine keeps falling out. Thank you 🕊

[@cheriromain9097]

Tessie uses hair clips at the temples. I saw it in a video. I do it now too and mine stays put.

[@barbarapritchard2082]

Hello Tessie hope everyone is having a good Monday.

[@lindawamsley5227]

So many can relate to your words of wisdom today, Tessie. I came across something I read this morning that gave me a lot to ponder over. It read: "When in life you find something that makes you feel good and makes you smile, you can no longer do without it!" ❤

[@WillowsGarden]

Hi Tessie! If you’ve never had anything, you don’t realize what you’re missing. I think because of having things vs not having much is a mindset too. It hurts worse when you’ve had it and then lose it. That’s why I say it’s the simple things in life that’s important. Family, friends and time together is worth more than any amount of money. Have a blessed night everyone!

[@tradermunky1998]

I just let coco coir sit in water. But that looks therapeutic 😂 Without debt, low income living is not that bad. It's those debt bills that really hurt. Good video Tessie, it's some of your expert matter 👍

[@joannetaggart4136]

Coming together and taking it on as a team makes all the difference. Facing your lot in life at that time, you and Kenny owned it and dealt with it. Much to be learned from people who lived it as you and your husband. I appreciate the sharing of your stories of that time. Thank you Tessie. ❤

[@maureendietz622]

At 76 gardening for me is just not a priority. Its almost cheaper for me to purchase what i need. As I've gotten older i can't handle the heat so I'm not outdoors much.

[@lindanizamoff7981]

you can always do small gardening like using plastic buckets.

[@shirleymurphy1958]

Lived there and had too use all the teaching my grandmother taught me so I could get by. It's hard work too do everything on the cheap. Making do or do with out was our moto . You have come a long ways Tess in the frugal wise life . God has blessed your efforts and you have blessed us all ❤.

[@guykenniker9498]

I had to give up my garden because the farm field behind me started spraying roundup and I'm very sensitive to it. I started a garden on my deck further away. Guess planting is in my blood

[@aproverbshome173]

I think being frugal it's actually a great thing! Great video. Our Lord provides our every need!

[@kathyhullinger1585]

Great advice! We have always lived below our means and so much less stress because of it.

[@jennxX68]

I grew up in a small farming community and we were fortunate to either be able to work in the fields and get paid pretty good plus plenty of potatoes or whatever crop you’re working in, or the farmers would leave potatoes and onions on the edges of the fields for who ever needed them. It was hard, dirty work but your family would have full bellies and extra money for winter. Plus hunters from all over would come and hunt and they would give the ducks away to whoever was around. My mom worked at the grocery store so we got lots of ducks and I didn’t like the taste but you didn’t argue back in those days lol. Just mentioning these things for ideas where folks might get some food when in need.😊

[@normasawyer3870]

Like the song says Thank you Lord for your Blessings on me. There’s a roof over my head,food in my cupboards clothes on my back that’s all I need and I thank the good Lord everyday for it blessings Tessie ❤️❤️❤️❤️

[@owen4248]

Good Evening Tessie, Sisters, Brothers, and friends, Be sure to hit that like button Tessie will appreciate it Greatly also be sure to watch all the ads :-)

[@owen4248]

@@MichaelR58 Good evening Michael 58, Stay safe and healthy my friend :-) YAH Bless !

[@juliewebber2749]

Good evening Owen

[@owen4248]

@@juliewebber2749 Good evening Julie Webber :-)

[@wandafaulk3641]

Good evening!

[@pr9764]

Good Evening Owen 🙂

[@virginiamaciuleviciene606]

One more suggestion, that I hope will not offend you. The master bedroom you just decorated would be a nice and cozy place to film Videos. You might need a small rocking chair in front of your bed. It would be a nice spot to open your gifts, check on your seeds, and so on...

[@HomesteadTessie]

WOW, What a Great Idea !! Thank you !!

[@owen4248]

Good Morning Tessie, Sisters, Brothers, and Friends, Wish you all a wonderful blessed Tuesday 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 :-)

[@Dean12346]

🙏🙏🙏💗💗💗

[@carolynlee8948]

Tessie, thank you so much for sharing part of your story. I so enjoy yourvideos. 😊

[@PD-se5pd]

I love your channel Tessie. Your videos are always so calming and positive. Thank you for bringing light into this world ❤

[@LisaLovesHomespun]

Thank you for sharing, Tessie. I needed this encouragement today. 🤎🤎🤎

[@valeriegrice4775]

These kinds of videos are my favorites! Thank you❤

[@lv21987]

You give me hope and a sense that where I am in life isn't a failure. There is nothing wrong with any assistance. It behooves people to take advantage of what is being offered and not turn it down. I never turn down giving energy.

[@owen4248]

Tessie, Thank you for sharing a glimpse in your early days I'd say you and Ken both persevered and came out of it swimmingly you now both have what I call the good life out of debt and happily living the life you both deserve I am debt free and plan to stay that way I enjoy being home with Mom and just doing simple things our washer is still not fixed so I have been going to the laundromat as well as washing some things by hand it's a good feeling to hand wash some things like towels the way it used tp be in earlier times :-) Love you my Sister :-) God Bless You and Ken :-)

[@karensarratea6599]

God Bless, thank you for sharing.

[@juliewebber2749]

It’s surprising how little you can make do with when you have to. We got spoiled as things progressed in life. I do miss the good old days. Have a great evening everyone!

[@SherrylJones-bz5wv]

You, too @juliewebber 🙏💞🙏🙌

[@pr9764]

Hope That You Have A Great Evening Too Julie, Blessings, Andrea

[@GoodThingsEtc]

The biggest lesson I have had to learn when it comes to living below poverty is one learns to think out of the box. Thanks for sharing your journey with us Tessie! I also learned, not to focus on what I don't have, but what I do have! Have a blessed day everyone!

[@ginamcknight8115]

One of the best ways to be frugal is to stay home a lot.We have a discount grocery store in our little town where we stock up about every other week.Thank you Lord for your provision

[@rangerannie5636]

Comment for the algorithm. 😊 Sacramento, California USA 🇺🇸

[@HomesteadTessie]

Awesome! Thank you!

[@kimberlystone3987]

Happy Monday Tessie ❤

[@xyladivine259]

Being frugal is smart living! 💯

[@ashleyrandall2160]

Tessie, I'd love to see more videos on how to live at or below the poverty line. My husband and I are living on one income at the moment. I am unable to work, however, I hope I can get myself together enough in the future to at least have a part time job. We have food stamps, but unfortunately it is only enough for one person. It is very difficult to get it to stretch the way we need it to. We also get food from the food pantry when I don't have any food stamps left, but it is hard to make anything with the food they give us. We don't have an oven because we live in a motel, and the only things we have to cook with is our skillet and microwave. Do you have any advice on how we can get creative with the food that we do get from the pantry, and do you have any advice on how to make the food stamp money last longer? We really are barely surviving. It's hard for us to make rent every other week (on top of our other expenses), but we don't have a choice. Believe it or not, this was the cheapest option for us for the time being. We were living in a travel trailer for quite some time, but it started to fall apart, and we didn't have the means in order to fix it. Also, the to rent a space at an RV park is a joke. It gets expensive quite quickly. I want to sell it because it's just another debt we owe on, but my husband wants it as a backup in case something were to happen. I totally understand his point of view, but it is making money even tighter. I am beyond stressed and feel so bad for my husband who beats himself up time and time again because he feels like he isn't doing enough. This experience has brought us closer together though, and I am so grateful for that. We work together and talk about what needs to be paid and what we can do without. We support each other when things get a little too overwhelming and one of us feels like falling apart. I love your videos Tessie, and I'm so glad you share your experiences with us. I'm sorry for such a long comment, I guess there was just a lot on my mind. Sending hugs and warm wishes to you and your family.

[@mj-hk6iv]

Search resale shops for a toaster oven and a crockpot it will make cooking more versatile. Google recipes with the items you have on hand. Mom always shopped the quick sale meats and dented can section. Spring will be here soon. Maybe you can grow a few things like leaf lettuce, radishes etc. Soon mushrooms and berries will be out. Mom and I went to the park regularly and picked black berries off bushes. Dad would get morels and fish when he wasn't working. Mom and I went curb shopping a lot on garage day, we recycled cans and she would pick stuff up, clean it up and sell it. It's crazy what folks throw away. If you are seniors check out your counties senior center for assistance. Blessings

[@ashleyrandall2160]

@@mj-hk6iv Oh my gosh. Thank you so much! I didn't even think of the resale shops! You gave me some really good ideas. Thank you so much 💖

[@karinklapproth866]

Thank you for sharing your story. My husband was laid off and now we are learning to live on less. Learning to appreciate the manna from heaven that God provides, so to speak. And to enjoy a simple life. Take care🦋💗

[@gailann7813]

I loved this video Tessie. What an inspiring story. I must say that you and Ken have a remarkable relationship to have gone through this and yet stay close to the finish line. Most relationships would not have made it! My parents spoke of the similarities as how they lived their lives after getting married. They wanted to build a house and pay it off in 7 years. They accomplished their goal, but stilled lived below their means so that they would always have a cushion for a rainy day. Those rainy days did come but they never stayed. My parent's did not own a credit card and always paid for things with cash. They preached this into my sibblings and myself and it stayed with us and we are now living the same way. But, I like it. It is so comfortable and a secure feeling when you lay your head down at night. Thank you for sharing Tessie you are so accomplished in so many ways. I admire your grit and determination you had and that you kept your mindset of making lemonaid out of lemons.

[@user-ey5mg6oi3f]

joy of u in this channel ty

[@DingbadYoutube]

Almost garden time. Thanks for the video.

[@monicamayer977]

My plastic bowl break so I use clear packing tape on them around outside tops. Love them. Planting seeds this week:)

[@feleciasmith5092]

When I first came to your channel, you were very very frugal. I was raised this way my whole life. I must have passed it on to my daughter because she’s that way too.

[@royalpitamamma]

Tessie, our income dropped from 45k a year to 15k a year for a family of 3 from 2020 to 2023. I plan to can everything I can.

[@francesahrens1578]

Such an important post! (I do hope that you have health insurance now…it IS up there on the life necessities list!).

[@deborahcook7652]

Living below our means is a way of life and has been fir years...and living frugal is the vest way to.

[@susansipe2837]

Poverty line is set by people who think they know something. Same for height and weight standards. These mean different things to different people.

[@TheFrugalFather]

I love being frugal and learning new ways of doing things

[@debbiecarper1232]

I just watched you last three videos and as always they brought a smile to my heart. It was nice to see you and Kenny get breakfast at a small country store.

[@heythere2364]

Thank you Tessie. I’ve been watching your journey right all along. I NEED TO SEE THIS AGAIN. I need all this help as a reminder I can do things differently and more frugally.

[@HomesteadTessie]

You got this!

[@ashtonstout7375]

Thank you for sharing your story with us, Tessie. I appreciate your willingness to help those still in poverty by sharing how you lived and how you got out of debt.

[@lynngibson634]

Thank you Tessie for sharing! ❤😊

[@maryhall8410]

Hi Tessie

[@wandahershey9227]

Thanks for sharing this Tessie. I'm thankful we have the Lord Jesus Christ. Without Him we would be such an unhappy lot of people. He always helps us bounce back from getting knocked down in life. Can't wait to see your garden and watching it grow. Have a blessed day friend

[@tamimercer476]

We are of the same mindset. We are trying to fix up the house we are in now and we are trying to save and pay as we go. It’s hard to change the mentality of being super frugal, but I think that’s ok. Why spend money for things you don’t need, spending money you don’t have. ❤❤❤❤

[@laurakuehlke1320]

Good morning, Tessie. You and Kenny are an example of how to do marriage-as a team, no matter what. So much is uncertain right now, in our country and in the world; inflation is still an issue, people are facing job loss or pay cuts, and many are having to come to grips with a new way of living. You've got so much insight and knowledge, and I think people really need to learn what you have to share, now more than ever. Along with that, your mindset and perspective is one of being "content in all circumstances", and in our consumer-driven culture, learning to be content is something that is also needed! I'm looking forward to learning even more from you. I can testify that, since our financial situation changed drastically three years ago, implementing what I learned from you has made all the difference. ❤

[@rosel368]

Tessie, we were poor and dug our way out of debt which took over 5 years. I’ve been frugal ever since. Now that we have money and took early retirement, my spending habits are the same as when we were poor. Drives my husband nuts! lol. Another fantastic video Tessie!

[@kathylaferney5740]

Tessie I absolutely love you. I love your sunny attitude and your kind heart. I love your wisdom and the willingness to teach others what you have learned in life. God bless you sweet Tessie.

[@msneedie4652]

Found another channel that reminds me of this channel! Jacqueline at the Unimportant Homemaker. I could listen to you both for hours….loving the lifestyle!

[@HomesteadTessie]

oooh I will look into her channel !

[@luwaunabearly9197]

This is a great series Tessie! We are retired in Colorado, and we must live frugally, but we're SO blessed. I'm older than you by far, but I learn many things from you. ❤❤❤

[@citygirlhomestead]

love it

[@makafindcindy116]

Spending the morning watching ypur videos and giving a thumbs up and a comment ro helps your algorithm

[@HomesteadTessie]

Thank you so much!!

[@rachaelsupadventures]

Good evening my sweet friend ❤ we are living at a low income now and it is hard for me sometimes to remember this. Before we moved we had ample spending money so if I wanted something I would just get it. Now I work as a substitute when I am able in between hubbies doctor appts and physical therapy 3 times a week! Luckily I am able to pick up half day work too and it helps rather than just not work at all. I am trying to work as much as possible now because summer vacation will start in May and then I wont be working at all! I need to put money away for the summer months! I am grateful to be mortgage free and debt-free! Thank you for sharing Tessie!

[@marybethtanner959]

Mb was here to night

[@susanbodley8016]

Good job! ❤ Love your story! 🎉

[@debbiecarper1232]

In Juniata County where I'm from there are many of them and when I visit home I always go to one or two of them.I send you and Kenny many many Blessings. ❤ Deb C.

[@ellieeckhardt7620]

Hi friends

[@owen4248]

Hi Elli Eckhardt :-)

[@carolynlee8948]

Hello. 😊

[@pr9764]

Hello Ellie 🙂, Blessings, Andrea

[@AnneManley]

You look absolutely gorgeous in Kelly Green, Tessie! You are an inspiration to all of us. Thanks for sharing. 🥰

[@HomesteadTessie]

Thank you so much!

[@wandafaulk3641]

Thanks for sharing! Blessings😄❣️❣️

[@Dean12346]

Hi Tessie💗 Thank you for sharing🙏

[@pellis6928]

That's a good testimony Tessie 💙🙏

[@pr9764]

Hi There P Ellis 🌻, Great To See You My Friend, Praying For You, Blessings Andrea

[@Kamtrue]

This is a excellent video! So close to our story too… we lost our home and everything in 2008 when our excavation and manufacturing homes business went under. Yes, we learn valuable lessons though the tough times that’s for sure.

[@marissawussler8669]

Thank you for the encouragement Tessie ❤ Your hard work, positivity, and creativity are inspiring!

[@yvettenj]

I live on SSD and just above poverty line but you can’t tell me I’m not below poverty level bc it sure feels like it. This is why I’m frugal out of necessity. Btw, finally saw ur Walmart video. You have a really good hubby and cute too Lol. So glad he came on camera!

[@CreativeRedundancy]

Hello Tessie listening to your story. I create for many reasons which includes something similar to stuff said here. I’ve seen friends blow thru money let not have food for later for example. take CaRe

[@deborahkimball5050]

🐯God has blessed you

[@JimmyandTammy]

I've learned so much from you....yes, it's important to focus on the small things in life. I love all your tips, too. With the way prices are today, everyone can benefit from scaling down and trying to save money where we can. Thanks Tessie!

[@HomesteadTessie]

I'm so glad!

[@reneegranger284]

I totally understand this. My husband was laid off in 2017 at the age of 56. We lost 2/3 of our income. Fortunately we knew it was coming and paid off any debt we had at the time made changes to improve our budget. Became more frugal in every way we could. Today he is 63 drawing SS and I still work, my income has not gone up much at all int he last 7 years and with inflation the way it is we get by. There is not much money left over for much of anything except emergencies. Also with inflation my job is not giving us any kind of COLA allowance just a measly 3% merit increase. That really won't make a difference. So needless to say we have become more frugal. We are warm, have plenty of food and are content and happy and that is all that matters.

[@kamt3212]

Thank you Tessie. I appreciate your experience going forward. ❤

[@lindanizamoff7981]

I was lucky because even though my parents had things and were middle class,they were raised during the depression and knew how to live on the cheap when they had to,I also learned this,

[@tinacollinsworth9507]

I can relate to this video very well, and agree several people's comments. The world now young people don't know sacrifice or discernment. Very good video!!

[@AR-dm7ze]

Before you lost everything, were you growing your own food and herbs?

[@HomesteadTessie]

Not so much I had a garden just for hobby a whole life changed when our income went away

[@laurabrown5983]

comment and say Hi to Tessie.. every comment helps her you tube income! go back and watch some older videos too!

[@elizabethhendriks9030]

❤

[@meryldykstra2538]

Dear Tessie, I'm having a hard time reconciling the idea of you having an in-ground swimming pool with the people you and Ken are, or the lives we see you living now. I just can't picture you guys lounging around such a pool. But anyway, I like you guys better in your present reality. Way more believable. And relatable! 😉

[@bethoden739]

❤❤❤

[@CynthiaLundquist-oi2cu]

I was binge watching some of your old videos. I watched one from Nov. 11 where you said you were getting rid of your wish list. I was surprised to see you are asking your viewers for potting soil and gardening supplies.

[@HomesteadTessie]

Thank you so much for your very important question back when I had the wish list before it was for frivolous things things that I wanted that not necessarily things I really could use, Potting soil is something I really need and it's very expensive if I had to buy it all myself. I have no problem with asking for something that is a needed item if somebody would like to help me out in that manner I no longer have my paypal or ask for donations

[@tamimercer476]

ONlY 2 hours late😂😂😂 Fixing fences and cleaning up our yard while we had sunlight😊

[@HumbleServant-uy9xe]

Your blessed, It's not that way with my husband. He wants to spend us in the hole 😢

[@tamimercer476]

Hi yall😊

[@pr9764]

Hello Tami🙂, Blessings, Andrea

[@monicamayer977]

Sounds like a story from the bible. All was taken away but God rebkessed him and with more. See where your journey goes.

[@monicamayer977]

Blessed

[@lisagoff369]

i love the stainless wash pan, where did u get it? I get tired of buying the cheap plastic ones rhat break in a few days,

[@HomesteadTessie]

I've had mine many years and it looks just like new amzn.to/4bv9PxV