The Evolution of Income: How Changes in the Economy Impact Me !

[@jenniferknight2788]

You are spot on with this Tessie. I have two college degrees and I never had student loans. Thank goodness!! There are so many people in deepntrouble because of these loans and their inability to pay them back. It is deeper than you realize as many people were admitted into "colleges" and took out these loans when it was never a good fit for them. What a mess.

[@princessdumbarton9877]

The majority of people would be better off learning a trade. You can always educate yourself in your spare time for free.

[@jenniferknight2788]

@@princessdumbarton9877 Very true these days. College is no longer necessary as we have all the information available to us for free... college related to general studies.

[@JudiLong-lb2vn]

@@jenniferknight2788 I saw a news thing not too long ago showing the trade vocation industry is up like 500% just for the reason of the college loan dilemma n the school part is way shorter. And make more $ without huge college loans.

[@JudiLong-lb2vn]

@@katherinekeon7034 she said at the very beginning that she was talking about her income n if you followed it she was encouraging people to get out of debt if they can. Tessie's channel is based on Her Life Her experiences Her past n present. She said it affected her about 70% now. Tessie is the only one other than hubby who sees their income so only they will know. It doesn't have that big of impact as many students go to colleges here that are from wealthy families as lots of medical students n lawyers with 4 major colleges within about a 50 mile radius. But Tessie is in Pennsylvania n I'm in NC so it probably has a greater effect in her state so that is Her experience. While I don't agree that it's college kids as much as the whole of a working class economy not spending but again that's her experience and as long as I've been watching her she seems to be very honest with her own life. Just do as someone told me a long time ago...if the information that is given has no impact in your life don't take it in but if it does then let as much as you can be absorbed into your being. Blessings.

[@pellis6928]

​@@katherinekeon7034rewatch several times and listen to what she is saying. It's not a scare tactic or a click bait

[@DonnaSmith-yw3tj]

If someone takes out a student loan or any loan it is their place to pay it back. It is not the tax payers place to pay their student loans. You want an education, you pay for it. If you have to get a second job to help pay it, do it. It is the person's responsibility who took out the loan to pay it back. Shame on anyone who thinks tax payers should pay their debts.

[@nmfn2011Pine]

DURING THE PANDEMIC STUDENTS GOT A BAD DEAL. MOST EXPECTED AND PAID FULL TUTITION TO SIT IN A CLASSROOM WITH A PROFESSOR AND MAYBE HAVE A LAB OR OPPORTUNITY FOR INTERNSHIP INTERNSHIPS. But Nope THAT DID NOT HAPPEN. THEY PAID FULL TUITIN AND TAUGHT THEMSELVES. NO LABS NO NTERNSHIPS. THESE PANDEMIC STUDENTS ARE FIVE YEARS BEHIND OTHER STUDENTS. THEY HAVE NO OPPORTUNITY TO GET A FOOT IN THE DOOR OF THEIR CAREERS. FINDING JOBS WITH THEIR MAJORS IS IMPOSSIBLE TO NONE, NO NEW CAR, NO MARRIAGE OR NEW HOMES OR CHILDREN DUE TO THESE STUDENTS GOT THE TAIL END OF THE STICK. So, YES, I AGREE WITH STUDENT LOAN FORGIVENESS.

[@grindingtowardsmybestlife3654]

Taxpayers are paying for everything else … why not throw in Student loans SMH

[@happyday1060]

@@grindingtowardsmybestlife3654 Well I agree you took out the loan you owe it you pay it be responsible for your own actions People want your cake and eat it too

[@happyday1060]

I would like to know where did you purchase your portable washing machine and was it expensive

[@AusbandHolistic]

geez, you sound angry. I'm confused. No one said anything about Not paying school loans. Did you mean for your comment to go somewhere else? On the flipside, anyone can file bankruptcy on their home, cars, personal loans, but no one can include school loans in that.

[@wildturkey8752]

I had student loans and not once did I think I should not pay back the money. If you take a loan, pay your debt. Simple.

[@kimkramarski-smith774]

Thank You !

[@Stoffmonster467]

Never heared of the idea of free education?

[@tradermunky1998]

I was just laid off. Fortunately I have no debt, years of savings, and a year of necessities. I've been either laid off or left my job every single recession, taught me valuable lessons to be better prepared.

[@HomesteadTessie]

And my friend I am so sorry to hear this I know you have liked helping me with super stickers and things with youtube please keep that for yourself! I totally understand and we all need to save our pennies now I do think things are worse than what they are letting on I have never seen it this bad in my line of work people just are having a hard time affording health care and mortgages and food I can't imagine what it would be like to have a large family and not be self sufficient

[@tradermunky1998]

@@HomesteadTessie Thanks Tessie. Yeah, my heart goes out to all in far worse boats then we are in. Been there, done that, have the T-shirt. These periods are usually interesting in regards to life changes, so it's always "fun" in a crappy way to see what happens!

[@owen4248]

Sorry to hear sounds like you are prepared .

[@tradermunky1998]

@@owen4248 thanks Owen!

[@kesmarn]

Many prayers for you, tradermunky. Being laid off is no fun for sure. But you proved that those lessons from earlier layoffs made you very wise!

[@maryannecarvale1480]

I just don’t understand how this would affect your income,

[@74jdvickery]

KZbin income is ad-dependent. When people stop spending, advertisers cut their advertising budgets. I've lived through this in both the print journalism industry and the web-publishing industry. Hard times mean advertisers either quit advertising altogether or greatly curtail what they're willing to pay for ads. On most online platforms, advertisers bid for what they're willing to pay for ads. So a click that may generate $0.50 or more in good times might generate only $0.02 or $0.03 in bad times. Less consumer spending=less advertising=less income for content creators dependent on ad revenue.

[@HomesteadTessie]

It will be interesting to see if youtube will change the ads or do things with the ads as things in the economy get worse I know we get paid less per ad but it will be interesting if they do put more ads in

[@thewellnesshomesteader]

As all the delayed payments and exceptions from the pandemic end, many people will feel the pinch of inflation and higher bills. Thankfully I paid for my college (all 6 years) as I went along and never had any student loans. My career more than paid for my education. Now that I’ve retired. I’ve found I have to be creative both on spending less and finding small ways to earn money!

[@spicysith9627]

It seems you'll have to... *gasp* get a job.

[@HomesteadTessie]

absolutely and if you can't afford what you're doing you have to get a job that is so correct thankfully I can afford what I'm doing but there are a lot of people who can't and so there have to look for more employment

[@MichelleMiller-f5p]

What are you selling that people are not buying and that has caused your income to go down 75% ?

[@HomesteadTessie]

I work for a major corporation in domestic supplies In which the memberships have decreased by over 50% which means 50 to 75% loss from

[@anneferguson4273]

Only if people are not buying what you are selling.

[@pellis6928]

​@@ThingsAbove333you don't give up do you? Have you counted how many slurs and slanderous comments you have made against a child of God's on tonight's video only? God is not pleased with the jeoulsy and envy showing through your black heart. You are not fooling anyone and especially not our Allmighy- All knowing God by putting Christian in your name. God pointed you out a while back and said watch and wait and he will expose you. Your insides are rotted from your envy and jealous spirit and Back Biting Decete and you are a stench in the nostrils of the Great God Jehovah and he will spew you out of his mouth. He says you stab her in the back while you pin a smile on your face. You deceive everyone with the Venom dripping from your unbridled tongue and your lies have been your judge but now you will be judged as you have judged. Your time is up Repent- Repent- Repent of your wickedness Repent of the jezebel spirit whom you let in with open arms. You will no longer come near my child or any of my children. The clock is ticking and you are letting your last chance slip by and there will be no return when I spew you out to your father of lies.

[@HomesteadTessie]

So you're directing your comment at this person and I had to delete maybe three of her comments only because it was getting spam and I'm really not into that through the years she has come on my channel only once in a while when it was something that she really didn't like and then she would voice her opinion but she does in a very passive aggressive way so this kind of one of those people were you don't really want to blog but yet you know they don't say very nice things it's been like this for years I unblocked every one about a year ago and I slowly blocked about 6 people now that's all I figured that them say what they want and then they can move on it's when they start commenting under everybody else that's supporting me and they try to cause trouble that's where I draw the line

[@shodson314]

Tessie, it’s not just student loan repayment obligations that are causing people to not spend money. All year long, economic gurus have been saying this was coming because of the economy AS A WHOLE is crashing. Housing prices are bottoming out, banks are tightening their lending practices, several banks have crashed already and there are several in REAL trouble now. Jamie Dimon complained a couple of weeks ago about being required by the Fed to increase Citibank reserves by 2%. (Which is their fund against financial difficulties) inflation has gone up way more than the government is saying because they don’t use basics of food or gasoline hen calculating it! But look at the price of those. It’s NOT student loan repayment (which EVERYONE who signed a promissory note should be required to repay) It’s the economy as a whole.

[@witchofthewildwoods3496]

YES! It's the entire economy. Everyone is feeling the pinch.

[@janfromnycsavesmoney8723]

Excellent insight on how things have a trickle down effect. Honestly back in my " dinosaur" days I chose to go to a trade school ( when it was not cool) and was also employed. I refused to fall for the student debt trap, nor burden my parents.

[@jaydasmom03]

I totally agree with you Tessi! I went to college, had student loans and totally expected that I would have to pay them back, which I did. Everyone these days wants something for nothing. Why should I be expected to pay back someone else’s debt?

[@Stoffmonster467]

Because all the society profits of well educated doctors and engineers

[@lindahelmbrecht1248]

Your net worth is $43,000 as of Sept. 2023. That isn’t a lot compared to some KZbinrs, but it is more than some who struggle day to day! JS!

[@HomesteadTessie]

well now that's interesting thank you for letting me know because that is seriously not correct

[@pellis6928]

​@@HomesteadTessienet worth may not mean net income. It could mean your worth in assets like land maybe? Wonder what site can show income to just everyone. That's freaky to get spied on by everybody besides them people that took over everything.😮

[@HomesteadTessie]

I am worth alot more ;) some people oh my stars Grandma would say lolol

[@HomesteadTessie]

I absolutely am in this video I was sharing that everybody needs to get out of debt this video had nothing to do with complaining it was stating a matter of a fact that the economy is going bad and people need to prepare I am extremely grateful and thankful for everything in my life

[@TheWhimsicalFamilyHomestead]

We never stopped paying on hubbys student loans, we continued to pay on them. We already decided that this christmas were doing a homemade christmas. Were a big family (5 kiddos and hubby and i)! So it is quiet expensive for us on just basics. We're remodeling and finishing majority up with our trailer. So kiddos each get a kiddo to make a gift for each other. And mom and dad is going to make them a new quilt (i was given a decent amount of fabric samples), we also make our own laundry soap to thanks to your videos. Were looking at getting a 100watt solar panel to charge our camper trailer battery(we live in) and runs our lights, water pump, and start for one of our heaters, and our stove) so if we have to go without electricity we could still function. We've cut our food budget twice and about to be a third time. Were looking at maybe $400 for 7 people for month. Three meals a day. Especially since we also homeschool. Times are only getting worse. But i am very grateful my husband has a job and were able to make it through.

[@beth3535]

Continuing to pay those loans was so smart.

[@mj-hk6iv]

Some of my best memories of Christmas were the homemade presents my parents made. That's how we learned what was really important.

[@witchofthewildwoods3496]

Your family is blessed. Your children will grow up grateful for these lessons and cherishing their memories.

[@hollyh9334]

Hubby and I volunteer at our church food pantry. It's crazy busy right now! We see it every week get more and more folks in need. You speak truth, Tessie. God bless, dearheart.

[@kesmarn]

i know someone who also volunteers at a church pantry. Their requests have doubled (at least) over the last two months.

[@hollyh9334]

@@kesmarn It's very uplifting to know we can help people in times of need, but very disheartening that so many are experiencing such difficulties.

[@kesmarn]

@@hollyh9334 I totally agree!

[@michelleraney3577]

Sorry, but I don't understand exactly how others' student loans has decreased your income.

[@HomesteadTessie]

Thank you for answering the question I am more discreet so I didn't really want to answer it but because you answered it it was great

[@BethGrantDeRoos]

@@ThingsAbove333 but are her demographics college educated people who were buying items on Amazon or folks who are blue collar and because of the floods, drought, etc in the areas they live in simply are spending their hard earned moeny on NEEDS?

[@citygirlhomestead]

I can tell you for my main job it is credit card processing and my income has dropped way over 50% and losing more everyday if people aren't spending money they aren't using their debit cards their credit cards so I don't make money Businesses are going out closing up which takes even more income away so I get it totally

[@kimberlylholt]

I cut all my credit cards up. Now I just got get them paid off.

[@rachaelsupadventures]

Good morning pretty Tessie ❤ We have our house almost completely packed for the move. My sister in law commented on my pictures that it looks like all I am taking is food lol. I am glad when we get to our new house we will already have food to eat. I don't think the school debt is going to be the real problem but it will part of it. There are so many things that are part of the problem. What you are doing is what we all need to do. We need to be able to take care of ourself like we are off grid even if we aren't right now. I know people who practice one weekend every month. They wont use any utilities. This way if the grid is removed due to anything they will still be able to get by. This is why what you are teaching is so very important.

[@shodson314]

Don’t you make money from us watching your videos? I am confused as to why you’re not making money on social media now. What is different for you?

[@Ativabrand]

Didn’t you just get a play button for 100,000 subscribers. You were just thanking people for making you a success?

[@HomesteadTessie]

this has NOTHING to do with KZbin :) I am talking about my main income

[@HomesteadTessie]

I did not get it yet super happy !!!!

[@shodson314]

@@HomesteadTessie didn’t know there was money to be made in other social media…interesting. But you do make some money on KZbin, right? Otherwise I’m skipping ALLLLLL the commercials 😜

[@HomesteadTessie]

Yes I make a income from KZbin I work for Amazon as well but right now KZbin is better pay 4 months ago Amazon was

[@pugpreslar711]

Not only students are required to start paying on their loans also adults who are in debt for years on large student loans even in their thirties. It is hitting a lot of college educated families.

[@RayTator]

We are so different.we live in a senior apartment and we. Just paid off a dentist bill for 8 thousand dollars for both of us.. we always had to struggle however it has been so hard,and jobs came and go in our area.we went through lay offs etc. etc. we have no debt now. We are ok now however what an awful journey . I wish we started out with a simpler life . Love you Tessie

[@Rose-ef6ik]

Tessie,I’m sorry but I feel the student loans need to be paid back 100%! It’s a debt, and I think everyone needs to pay their debts. IF they don’t, the government will get deeper and deeper in debt. People are getting free food, free phones, and even free computers…. I’m on Social Security but worked hard all my life and my husband worked two jobs. As far as not finding a job after graduation, maybe it’s their work ethic. What’s next, forgiving credit card debt? Yes, student debt needs paid back.

[@pellis6928]

Tessie never said don't repay your student loan... She said most of the time you don't make the big money you think you might when you take out student loans but it takes a long time to pay off and the job you may get from the college degree may not be worth the debt you are left with. But regardless she keeps saying try to get out of debt as soon as you can. She believes in paying your debts but don't make new debts.

[@HomesteadTessie]

I absolutely agree with you

[@Rose-ef6ik]

@@pellis6928 well I totally got that wrong, didn’t I? I’m sorry for the misunderstanding!! Thanks for setting me straight.

[@Rose-ef6ik]

@@HomesteadTessie Tessie, I just wrote to Pellis and I totally misunderstood this one. I apologize. Thanks for letting me know. 😊

[@juliewebber2749]

Yes times are hard. We do have to watch what we do now. I feel for any family trying to make it with kids. It’s hard enough with just one or two in a family. We have to take one day at a time and help in whatever way we can. Have a great evening everyone.

[@kesmarn]

Wishing you a great evening too, julie. I love your merciful attitude toward struggling families. There's such a strong temptation to play the "blame game" now, and there's a lot of that going on. (If the banking people can get us to be angry with each other, then (they hope) we'll forget about the role they played in handing out inappropriate college loans.. The same thing happened when all those bad bank loans were made on houses back in the early 2000s. They wanted people to turn on each other and ignore the foreclosures that were happening right and left! )

[@MichaelR58]

Cheers Tesssie

[@justme321]

I don’t understand how student loans impact you? Do you really Have a big audience that watches your channel that have student loans? Or buy what you review on Amazon. I’m not buying that student loans are the reason your income has gone down. Tough time for sure, but I’m not buying your reasoning.

[@lindaodom1322]

If people are using their money paying off student loans, they willl not have as much money to put into the economy. Especially small businesses will be hurt.

[@voodookitchenmama]

People should spend money on re paying they loans they took out in good faith.

[@HomesteadTessie]

yes I totally agree

[@princessdumbarton9877]

Anyone who has enough money should buy things, especially made in America, to keep the economy going.

[@mickimartin8841]

Did I miss something? Are you talking about paying off your own student loan?

[@HomesteadTessie]

no..I never had a student loan :)

[@HorsepenCreek]

Social security gets cost of living adjustments every year. They got their biggest ever last year. 8.9% and 5.9% the year before. This video is extremely upsetting. All this doom and gloom and blame crap is just gross. Just be Tessie and have faith in God.

[@HorsepenCreek]

Blessings to you and yours.

[@lonnekefalk2560]

Don’t go this road again Tessie, this has nothing to do with old fashioned living…

[@HomesteadTessie]

Actually you're quite wrong it has everything to do with old fashioned living because people need to get back to the old fashioned living because of what's happening in the economy this has more to do with old fashioned living than just about anything else in the whole wide world

[@VeiledDancer]

Tessie is absolutely correct……. It has everything to do with old fashion living.

[@HomesteadTessie]

some people will never get it :) very sad but true

[@HomesteadTessie]

It had nothing to do with trying to get people to spend .....I was stating how times are bad and everyone needs to be out of debt ,did you watch the whole video ?I am glad people are paying off debt ,I also said that in the video ! I am saying all this in the video as a wake up call for people ! that are small business that it can happen to them too . You took the video the whole wrong way

[@HomesteadTessie]

It has everything to do with Old fashioned ! I am sharing more people are going to have to live this way ! for one reason or another and that the economy is bad which is bringing a revival of the old ways ! I am glad people are paying off their debt that is what my channel is about .I also said in my video I am NOT hurting since I prepared for this. Sadly there is a handful of people assuming I am not happy over the paying off of debt that is totally against what my video is about .I was just explaining how my income was effected and how it can effect others too look at the positive comments they totally understood the video must be a personality gap with those who opposed this video

[@KDVoller]

A loan is a loan. So if people were smart, you used that deferment time to pay down their student loan balance. My son paid off the $65k from his masters in the last 3 years because no interest was accrued during the deferment, and everything you paid went towards the balance. He didn't take out any loans for his PhD, he spread it out. GTA'd and did research for professors to pay for his schooling. I have a Grand daughter that is a Sophomore doing the same thing, she was paid a hefty stipend to help with a research project this summer. She is on a full academic ride including year round housing. There are ways to go without taking out loans, but you have to be willing to work hard. What happened to you wasn't trickle down economics, KZbin changed the way they pay creators and it hit almost everyone, more hoops to jump through and more censorship so they can demonetize your videos for stupid reasons. We are a small business that has been around for 25 years and we have never been busier.. But... we carry no debt and live under our means.

[@AmazingDogMom]

I am one of the smarties that took advantage of it and kept paying on my student loans. I paid them off 2 months ago 🎉❤

[@bettyreynolds5106]

I'm so happy that I just paid my car off. What a relief!

[@Joseph_Knight]

What I can't stand, are politicians who rail against student loan forgiveness, while they themselves recieved millions in loan forgiveness through the PPP program. BTW, if you are disabled, you qualify for complete and total student loan forgiveness.

[@kesmarn]

Excellent point, Joseph! And let's not forget the "Legacy Students" who get access to first class Ivy League educations for one reason only: Dad went to the same college. That doesn't seem to be quite fair either! Thank you for the information on the loan forgiveness program for disabled students too!

[@justme321]

Apples and oranges. The PPP loans were because the government made business close. And they allowed companies to KEEP PEOPLE EMPLOYED. Student loans are completely voluntary. No one makes anyone take out a student loan.

[@catholicfaithofmine2664]

PPP loans though are different from student loans. The requirements are also different. You can also refinance a student loan you cannot with a PPP loan.

[@juliejackman2649]

Lots of wealth in this area but not us. So we're used to it. I've always wondered if people used to vacations 4-6 times a year, going and buying whatever always would react to our way of life. Would they adjust or crumble?

[@marybethsmith6458]

Most younger people don't want to do without all the luxuries to get out of debt. They rely too much on credit cards and paying the minimum so they can have the same life now that their parents did after working for thirty years. We did without a lot and still do to become debt free and remain that way.

[@AusbandHolistic]

I notice that behavior more with my generation from the 80s than anyone, especially younger people....shoot, most of them aren't spending carelessly because they can't even afford a room in a boarding house for rent. It's very sad.

[@WS-rp8wb]

All very true, part of our income comes from my etsy shop. When people don’t have as much disposable income, my sales drop. Holiday season is normally my best time of year, but based on the sales I’ve made so far this year I don’t have very high expectations.

[@owen4248]

Tessie, I see first hand how things have gone up and I see how much less people are spending there not spending as much I too spend very little as much as possible your right those that have a high student debt are not spending and it goes on with everyone cutting down on spending I am debt free and will stay that way this is a good video :-) Love you my sister :-) God bless You and Ken :-)

[@tamimercer476]

Hi yall😊

[@kesmarn]

Hello, tami!

[@tamimercer476]

@@kesmarn hi kes 💝😊

[@juliewebber2749]

Hi Tami

[@deborafranklin7469]

Hi tami 😊

[@katherinekeon7034]

20 percent of adult Americans have undergraduate degree student loans. We are 320 million American strong. 15% to less have struggled with student loan debt. When you do the math it's a very small percentage actually. There is no fear. United States of America government gives a minimum of four programs some that are income-based. So really going back to paying student loan will only make a small dent in the economy of the country as far as people not buying. Don't fear unfounded troubles because they're not comjng.

[@HorsepenCreek]

Exactly!!!

[@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 :-)

[@pr9764]

Good Evening Owen 🤚

[@owen4248]

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

[@owen4248]

@@pr9764 Good evening P R :-)

[@foreverlovely2580]

Hello 👋🏼 Owen and Michael P R❤❤

[@juliewebber2749]

Good evening Owen

[@cathyvazquez3276]

Bless you my friend

[@bambismomkelly7423]

People are not spending money because the cost of food and housing has gotten so high...that affects everyone. Student loan debt affects some.

[@HomesteadTessie]

Absolutely correct

[@ittybittyspaces]

Your student loans are your responsibility. You signed the contract. You should have been paying all along. It really doesn’t matter how much money you can spend. You can’t spend money because you have DEBT. Welcome to adulthood. Sorry but no sympathy to those who have to start paying student loans back, should have been saving that money all along to eventually study the debt. We had to pay our bills all through Covid, it’s wrong that student loans were deferred.

[@HomesteadTessie]

AMEN !

[@go3484]

100%

[@mrshammer9293]

Th past three years have been a good time to pay back the loans since there was no interest.

[@RayTator]

My daughter in law has student loans . An for 25 years she has mostly paid back the interest…. I’m sorry that is sad. She makes good living.however this is not fair

[@kesmarn]

Yes, getting into these situations doesn't always mean that someone has shown poor judgment or laziness. When it comes to keeping a roof over your family's head and food on the table for children as opposed to paying back student loans... Well, I would just say that I couldn't really blame someone who chose the former option. 😞

[@lindaa3331]

Hi everyone 🙂

[@owen4248]

Hi Linda H :-)

[@deborafranklin7469]

Hi Linda H 😊

[@kesmarn]

Hello, Linda!

[@lindaa3331]

@@owen4248hi Owen 🙂

[@lindaa3331]

@@deborafranklin7469hi deborafranklin 🙂

[@wendyallisonbarnes1187]

I would think this would benefit your channel, as you are an advocate for frugal living, and this is what people are looking for. Where do people who watch your channel spend money on your channel?

[@pellis6928]

On Tessie's Amazon channel.

[@kimriddell6157]

Always enjoy your peaceful videos. Thank you. Can you share any information about your wood burning stove? I believe you have a small one? We need one for preparedness but can spend very little. Any guidance appreciated. 🙂

[@HomesteadTessie]

We had what they called a pellet stove for a couple years we did get rid of it because of the dust and the soot so we do not use that any more and it also was Electric

[@kimriddell6157]

@@HomesteadTessie thanks

[@nt6719]

It's very interesting that you have a lot of people needing free food. I'm in Central Indiana and I volunteer for a monthly food pantry. While we have people showing up to get free food we don't have that many. We've run out of food a food times but not in recent months.

[@authenticallytracy3421]

And ironically, on paper the economy is better than it has been in many years.

[@kimkramarski-smith774]

I'm in my 60's worked 2 jobs most of my life. Sometimes for NEEDS sometimes for WANTS. Many are going to get a wake-up call the hard way. Living frugally all my life , the economy does not hurt hubby & I deeply. When you live by the principles of be not a lender nor a borrower . Prepared for the worst & hoping for the best. Only the strong will survive what is coming. Plan . prep & pray !!!

[@debbiealtman5373]

Great video my friend.

[@carolynlee8948]

Great video, Tessie. Our economy is in a mess. Buckle up, everyone. Try your hardest to get out of debt.

[@foreverlovely2580]

Having a bad student loan can definitely affect you, the same thing happened to me too, but thank God it's all paid off.

[@kesmarn]

I do think that it was not a good move to pass laws that made it impossible to include student loan debt when a person applies for bankruptcy. As it is now a borrower can still be repaying student loans in their 70s and beyond because the bankers can take your Social Security money to pay them off if the borrower doesn't. Punishing someone for a whole lifetime for a bad decision in their youth just doesn't seem right.

[@pellis6928]

Hey my Lovely friend have some fun on hump day Wednesday 😉💙🙏🌻

[@Quit3Cut3]

I was grateful for the break on our student loans. I know we have to pay them back, but that break gave my husband a chance to get his foot in the door to his new law career, and start saving money for a house. The sad thing is my husband learned more on the job than he did with that stupid school loan and degree. Why are student loans costing as much as a down payment for a house? It’s a scam.

[@HomesteadTessie]

I totally agree !!

[@witchofthewildwoods3496]

That's so typical of learning more on the job than from school. Experience is the best teacher.

[@keciadickson392]

If they took out the Loan regardless of what kind of a loan it is they 100% should have to pay it back PERIOD. Having said that, i also think it is more the ECONOMY and supply chain break down, stupid policies etc.... All of us are not able to do the things we may of been doing a few years ago. We that have prepped are using our preps more now than before...less trips to the stores. We are all doing without a lot of things that we once enjoyed. We all should be cutting back...less/no vacations, reusing things, less luxuries, frugal cooking etc... I say this is one of many reasons we should be very careful how we cast our VOTES. We are ALL paying the price for careless, uninformed votes.

[@rhymeoftheancients]

There are many jobs where you don't need any of that to make good money, especially when you know where and when to look. Also depends on where you live.

[@HomesteadTessie]

I absolutely agree with you

[@pellis6928]

Hey Tessie, you are telling like it is... I pray your income will get better for Christmas. But it may not get better after that because of everything you said... and also because of the things you are not allowed to say 😉 i was almost on time tonight and when i started watching this video my mama called and i had to leave. I may have to be late tomorrow but i will be back on as soon as i can. I watched that same prepper P. Video. And she eats 1 time a day and saves her money also. I can't always do that sometimes I'm more hungry than she is😅. Very helpful video tonight and I thank you. see you tomorrow night my sisterfriend.👍🤗💙🙏

[@pellis6928]

Here now

[@pr9764]

Hey P Ellis 😊 Great To See You Here Blessings Andrea

[@owen4248]

Hey p ellis Good to see you :-)

[@georgiabell3640]

Hi Andrea , have a blessed evening

[@xXTheoLinuxXx]

Hi Pam, I back FROM the future :)

[@juliewebber2749]

Good evening Hip, have a good one my friend.

[@xXTheoLinuxXx]

That is quite a subject! Back in the day when I was a student, everthing was paid by the government, so after I was done with it.. zero debt, A few years after that the government thought it was a good idea to introduce the loan system, well... A lot of students didn't want to end with a debt, so the took the 'blue jobs' instead of getting in debt. So a couple of years ago they went back to a system that is more like from my younger years. At the end it is way more smarter for the government to give young people a chance for higher education, because of the taxes they are paying because of a higher income. Not everyone is spending their whole salary, but there are plenty of people who do. And if they receive a salary of 1500 bucks or 3000 (or higher) a month, I guess the government had their money back in no time.

[@dawncurtis583]

I’m sorry but it doesn’t work that way anymore. People are owing hundreds of dollars on their loans each month and there are some that will enter retirement still owing student loans. It would have been close for us if we hadn’t gone the drastic route of selling our house and using the profits to pay off the loans. My husband works for the financial aid department of a college and talks about how bad it’s going to get when loans start back up.

[@xXTheoLinuxXx]

@@dawncurtis583 we (in the Netherlands) are moving back to the old system (a kind off), because it was a better system. People who are well educated (without debts) are making more money, so our government see it more like an investment, at a longer road it is would pay easily off. They have better jobs, spending more money etc etc.

[@justme321]

When did the government pay for college?

[@kesmarn]

From what i read, virtually anyone can go to college in Germany for free (even Americans!) even now. I think that Germany's citizens feel that an educated population is better than denying people an education solely on the basis of inability to pay. Just as it's true that not everyone is meant to go to college, it's true that not everyone is meant to be a plumber.

[@kesmarn]

@@justme321 There was a time when you could go to a State University for free, or very close to it. Some people got degrees from places like Berkeley for virtually zero cost. I lived in Ohio and you could go to the Ohio State University for about $600/year. You could *easily* "work your way through school" back then even with a part-time restaurant job. So people who criticize younger people for being "too lazy" to pay for their own schooling now don't seem to know that in 1970 the financial picture was completely different. State universities got a lot of assistance from the federal government to keep universities going back then. But when the federal government withdrew their help (for a lot of different reasons), the state politicians didn't want to raise any taxes (and lose votes) so they decided to offload the shortfall onto the students and their parents. That was the beginning of the end. $40K per year for college doesn't begin to compare with $600, needless to say.

[@TXTeacher1111]

Wow, a lot of Salty posters tonight. I appreciate you, Tessie. You have taught me so many things. Most importantly, you helped me change my outlook on things, which was such a great gift. Thank you!

[@kesmarn]

Yes, sadly TXTeacher, there's a certain subset that seems to hide in the woodwork for long stretches and then periodically come out after dark to try to see if they can stir things up. It's gone on for years and Tessie and most of her subscribers have just learned to ignore them. Sooner or later they do seem to get bored -- unless it gets close to Halloween, which seems to be their favorite time of the year.. I loved your positive, upbeat comment! Blessings to you!

[@pellis6928]

​@@kesmarnmy PAL I was thinking when she was getting so close to the 100k they started oozing in and afterwards the jealous envy slim came from their lower sub channels to copycat and also the ones that are the worst are the ones that have not post videos for several years but been on KZbin 2011 and up they are so jealous and act like her old friend.

[@HomesteadTessie]

I love it shows how people really can be :)

[@jholcomb9532]

My hair stylist told me she and other stylists she's talked to are seeing a large drop in customers/appointments. She seemed pretty down about it.

[@witchofthewildwoods3496]

My son is a self-employed barber and literally can’t keep up with the number of clients coming to him. I wonder if it’s a geographic thing, or just that men need more frequent haircuts and beard trims ;)

[@MichaelR58]

Watched in playlist

[@alinewright1093]

Get house repairs and car done as soon as you can afford them. The charges are getting crazy.

[@margierousu468]

We are lucky to live where we do...plenty of good jobs and wages and things are really good here compared to many other places! Hubs and I OWN everything we have no payments. We dont drive big trucks or suvs that guzzle gas and we dont spend on the latest this or that! There are SO many ways to save if you want to. And yes go to trade school not college !!

[@ericmodernel9205]

You had three years time to pay up stop crying....

[@tammyroyal7547]

Hi Tessie!! So sad when people can't afford food, gas, medicine they need!! Scary to think it's going to get worse!!

[@nancybarrett6266]

Tessie, its known that KZbin & the other things that goes alone with it pays well but I was shocked how well it pays. CONGRATULATIONS you have close to 105 thousand followers with lots of views daily. I know its a big blessing to you & your family of course to us also 😊 just wanted to complement you on work & thank you again.

[@HomesteadTessie]

wow not even close to 150,000 but that would be amazing !

[@susanburke4598]

You are absolutely right that the consumers are not buying products. My husband works at a chemical plant and they have been slow as molasses. They do home products such as detergents, soaps, paints, car wash products, shampoo etc. People are not buying unless they have to. I pray for those who are really in a struggle buying groceries and trying to keep a roof over their heads

[@HorsepenCreek]

It might have something to do with all the chemicals in those products. A lot of us are making our own because we are tired of being poisoned.

[@susanburke4598]

@@HorsepenCreek I understand what your saying. But you can only make homemade products to a degree. I make a lot of things homemade myself because of allergies. Most people I know are not making homemade paint and such. To each his own. I’m just saying business is slow. During Covid they were swamped because the consumers were cleaning everything.

[@foreverlovely2580]

Love this vlog, thank you for sharing Tessie.

[@georgiabell3640]

Good evening Tessie and friends ❤

[@kesmarn]

Good evening, georgia.

[@owen4248]

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

[@rachaelsupadventures]

I don't think it is just the school debt that is the problem. Locally here we "C" started and they made the rent rule a lot of people stopped paying and started spending their rent money on what they wanted instead of rent. When that lifted they owed all their back rent immediately and many became homeless. We have many encampments for homeless in our area because of this. Village of hope, camp hope. I think when they put a hold on student loans people started spending their payments on "other things" Things that we not normally in their budget and now they have to tighten the budget again.

[@kimberlyWestfall1]

School tip, California is in the west, not the south.

[@HomesteadTessie]

:) Yes of course I misspoke :) lol

[@bettyreynolds5106]

I have started just buying necessities.

[@owen4248]

Who Loves Tessie Time :-)

[@pr9764]

ALWAYS ❤️

[@kesmarn]

All the time!

[@deborafranklin7469]

Me 😊

[@wandafaulk3641]

Yes❣️

[@SouthpawPatty]

I remember paying back my student loans, a long time ago. I never even got my degree. I had 3 kids to support and couldn't find a way to go to classes, work full time and be a parent. I didn't have a support system to help me out. It truly sucked paying those student loans back. Especially when I had nothing to show for it. I eventually got it all paid off though. It was my debt and I was responsible for it. I never tried to put my responsibilities off on others. If the people with student loans get a degree they should make enough money to pay their loans back without too much problem. I managed to do it while supporting a family and not earning much more than minimum wage.

[@kerryjames6312]

Hi sweat friends

[@kesmarn]

Hello, kerry!

[@juliewebber2749]

Hi Kerry

[@gaylegrindle7977]

Hello have a great evening.

[@marybethsmith6458]

Hi Tessie

[@pr9764]

Hi Marybeth 🤚 Happy Tuesday Andrea

[@marybethsmith6458]

Hello Andrea and happy Tuesday to you too@@pr9764

[@foreverlovely2580]

Happy Tuesday to you Marybeth❤

[@marybethsmith6458]

Happy Tuesday to you@@foreverlovely2580

[@autumngypsie4280]

Ive got a boat load of student loans and hopefully I'll be one of the lucky ones to have it written off. I have a bachelors and almost as soon as i got it i got sick n put on ssdi. I can barely make the bills since rent is so crazy high ...

[@ellenedwards7029]

I omy if buyers and service. We r not a manufacturing economy like in the 50 and 60.so.when things go south go go bad fast rt. Mist people in our country dint know how to do anything but what they were trained for some reason f those jobs aren't even available now. They dint know how to cook, or garden or create wexall better learn fast or it will be ugly sometimes on. I can't image paying a mortgage having children and other debts and adding student loans in top.if that. God have Mercy

[@mj-hk6iv]

You should check into debt forgiveness since you are now on SSI. I'm so sorry this happened to you. Please check into what services may be available due to your disability. Blessings

[@AusbandHolistic]

Student loans are one of the biggest financial scams in America. They aren't explained properly to an 18 yr old kid. Most just did it because they were pushed to the college track. That being said, I got a break in 2020 but Mine started up again in March 2022. It's ok...just a challenge to make the payment every month. Their claim of "only 50 a month" barely touched the interest at 18%. If I knew at 18 what I know now...🤷‍♀️ I warned my kids though. So I guess that's the upside.

[@mj-hk6iv]

​@crazygardener4896 many young people do not understand compound interest. That with large loan most of they payment will be going to interest. I strongly suggested to several young people to pay while they stopped the interest that way they would only be paying on principal. But they were brainwashed that their loans would be forgiven. Economics was taught when I went to school as well as budgeting. Unfortunately these classes have gone the way of shop and automotive repair. Be kind to these kids who were led to believe a college education guaranteed them a good job. They have to pay it back but it's a hard lesson.

[@AusbandHolistic]

​@@mj-hk6ivYou are absolutely correct. Then combine the fact that the colleges are not keeping up with changes in the industries (particularly medical and tech) so upon graduation, everything is already antiquated and they can't get jobs in their fields. I feel so bad for our younger generations and ours. I wasn't taught about finance and loans in school, how to complete tax forms...I tried to teach my kids at home because school didn't teach it either.

[@jessicajames4493]

For the algorythm ❤, just found your channel

[@HomesteadTessie]

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

[@elizabethleedy4386]

Very informative video today! I do hope your income, along with everyone else, does go back up sooner rather than later. It's a harsh reality out there! Thanks, Tessie.

[@joannetaggart4136]

Thank you for the video. I think those who really are serious about preparing for the future and learning how to do things frugally, will find it easier going. Lots to learn.

[@toots810usa6]

This is another case of people listening to propaganda that a 4 yr degree is the only way. That is NOT the case!! Half these people should have gone to trade school. I had to make that hard choice, and have always been able to make a living without a degree. We have a shortage of blue collar workers now,. Nobody to fix the electric, a/c, furnace, appliances, etc. If I had a HS grad for a child I would not tell them to go to 4 yrs of college!

[@margierousu468]

you are spot on❤❤❤ my grandkids make a great income with out the C. education.

[@witchofthewildwoods3496]

This is absolutely true. I wish all teenagers would pay attention to people like Mike Rowe. I have 3 grandkids in HS and hope they’ll choose trade schools over college.

[@deedeetravels969]

I understand Tessie! This is so seriously true! Im caring for my elderly mom, just sold my car since mom still has hers. We dont need 2

[@rosalynnecole23]

Hey Barefoot Tessie! Im so proud of you for getting prepared. I am listening to your advice and will implement some of your preps

[@lindaa3331]

Yes get out of debt, and stay out!!! Only get what you really need:-) 💕

[@kathysnavely1802]

God Bless!

[@debbiesittard7653]

What we should be doing is sueing these pathetic over-priced Colleges handing out diplomas for careers that can't even pay back their over-priced student loans! If a person chooses to get a degree from a 4-year University then make sure your future job is going to pay you enough to pay your own loans back! No one else is obligated to pay someone else's worthless over-priced loans. Go to TRADE SCHOOL! You'll make just as much money in the long run. Tessie, you are right on the money ( no pun intended.). Things are going to get much worse. People are not spending money like they used to. I know I'm not because I can SEE the handwriting on the wall. More people are going to be forced into making drastic changes to their spending habits. I'm very thankful you've been able to get some things done and acquired that you wanted. Great video! Blessings to you Tessie. ~ Debbie

[@shodson314]

Many with trade skills actually make more than those with a 4 year degree. Good welders for example can make as much as 100,000

[@debbiesittard7653]

@@shodson314 exactly!! And no ridiculous loan debt staring them in the face.

[@pama.6410]

A person who takes out more loans than they can pay back has to take some responsibility for that. I recently saw a woman featured on a news segment who has a position as a Superintendent of schools or a principal, making over 100,000 per year say she would not pay her $700. a month's payment for the loans that got her 3 degrees because it was too much - even though she also has a working spouse. She HAS been working. She COULD have been paying down the principle, but is one of many who hope all student loans will just be forgiven. This is amoral. How is it not a form of theft?

[@treewilliams3516]

Hello Tessie, thanks for your information. God Bless, have a wonderful evening.

[@xXTheoLinuxXx]

First!

[@tamimercer476]

Hey Theo You and Owen beat me by 12 seconds😂😂😂😂😂😊😊😊😊❤

[@xXTheoLinuxXx]

Hi Tami, I guess Owen and I were in shape tonight LOL

[@pr9764]

Hi Theo 🤚 Andrea

[@owen4248]

Hi Theo, We are in good shape :-)

[@xXTheoLinuxXx]

@@owen4248 yeah ever day hard work in the gym pays really off LOL

[@laurakuehlke1320]

You are so right, Tessie, both about what we need to be doing now to prepare and get out of debt and about what is coming.

[@bettyreynolds5106]

It's a domino affect.

[@christinegreen3974]

I took advantage of the no interest period to pay off my student loan. I knew what I was getting into with the loan but needed to finish the degree - I had to do a 1-year full-time residency and couldn't work full-time. What I didn't know is that interest compounds DAILY on federal student loans. At $8 per day with a $275 minimum, I was paying less that $35 per month on the actual loan. This means it can take decades to pay it down at the minimum. Unfortunately few took advantage of the 3 years of no interest. It was a huge oppprtunity to pay down or pay off those loans. I put everything into my debts and am now debt free in my 40s.

[@tamimercer476]

Maybe first???❤❤

[@pr9764]

Hi Tami 🙂 Blessings Andrea

[@joegilbody4878]

I come from a 10 kid family. Very early on I knew that my parents could not help me financially in college. I spent my teen years swimming and I got a scholarship to college and an academic one. I majored in a subject that got me a job the Monday after graduation. My area was math.

[@nolongeranurse3369]

Sadly we have 2 generations ( maybe 3) that have NOT been taught how money works...you will never win the game if you dont understand the rules

[@foreverlovely2580]

Good evening to you Tessie❤😊

[@kimberlystone3987]

Happy Tuesday Tessie ❤

[@HomesteadTessie]

same to you my sweet friend

[@pr9764]

Happy Tuesday Kimberly 🙂

[@LindaR423]

Very interesting information, and helpful too. It was interesting to find out that you live in PA. I'm from PA as well. The last place I lived was in south central PA near the MD border. Keep up the good work and the good videos. Thank you so much.

[@phyllisclark3896]

Thanks Tessie. You are right it is going to get much worse 🙏🙏🙏

[@pr9764]

Hello Phyllis 🙂 Blessings Andrea