Living on $700 a Month - BY CHOICE!
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- Опубліковано 4 кві 2016
- How I am able to lower my family's bills to $700 a month! Frugal living and smart investing will lead you to an abundant life. Single parents and single-income families do not need to struggle financially! Watch how I was able to become financially independent, and join my family and I on our journey to build a mortgage-free home.
How I wish I was as wise earlier in my life. I finally got it three years before retirement. Blessings to you young lady.
Congratulations on figuring out the system at such a young age! Your fortitude is great to see. More young moms need to know that they can make it too!
You are so right! It can be done. My mom raised 2 teens on $500 a month after we became it. She was totally debt free and we made it because she was and stayed that way! Good job!
What types of foods did you guys eat and were you able to have healthy foods? How is your mother's health now if she goes to Dr. and is the fam health good, too? Grats if so! Great budgeting!
Living On A Dime what decade was this , the cost of living must really been cheap
Stylish 101 it’s still possible to live on $500 or close to it a month. I do it.
@@diasrvlife2649 That is great you do! Inspires me!
Gen J 👍😀
Wise young woman. Keep up the good work.
A house use to be handed down the generations. Every new generation needing to buy a house makes the banks rich and our new families stressed.
My parents never owned a house, so I got screwed there. Now, I'm on a mortgage with my ex wife.
My mom gave her assets to the state for medical and dental care. Even personal possessions with sentimental value.
I never bought a house and any man who owns a house sees me as a gold digger unless I move on. No discussion. I am labeled a gold digger and was given nothing?!?! He broke or gave away every gift I ever gave him, telling me I was cheap and temporary.
@@pinkelefant4ever Sorry to hear. Shelter should be cheap. Real relationships are based on sharing. When we see our worth only in money we kill starve our souls.
@@dennismitchell5276 thanks Dennis. I know when the right person holds your heart, there might be hard work or tears but it's shared
You are young and have the right idea. I am 57 and live on $850 a month, I live with my fur ball pup (husband deceased). I don't have cable, never did, no cell phone just home phone, house and car paid off. I love thrift shopping, but I don't accumulate clutter. It gives me plenty of TIME with my family, friends, pup , and activities.
Cellphones are much cheaper nowadays! *Since you live alone it might be worth the small investment:* can buy one outright for $100-200. Phone plans start at $25/mo to $55 for unlimited. *The phone is gives you peace of mind* if something happens & you're alone/unable to get to the home phone. Look at it as a TOOL, NOT A LUXURY. Well done on your lifestyle though! ❤👍❤
You could buy a little inside antenna for a out $20, and get Free TV several stations. If you live far from town you may need one outside for about $50 a one time buy. Also, Some cell phones are cheaper than a home phone and you can. take it with you while away from home for emergencies ,.
Excited to have found your channel - good for you. And, for those who critizize your children being on state medical care - Ignore them ! You are doing a great job.
Great Job!! I used to be a single mama too and wish I would have known then what I know now. My focus now is to set myself up to be available for my future grandchildren. You Are Rockin' It! Thank you for taking the time to share so much with us! I hope your channel is able to inspire many single parents and families to do as you have done.
We are so living very simiar.
Our budgets are very similar not exact but, similar. :)
Our entertainment is the same.
We recently paid off our vehicle too.
We homeschool also but, we have a 8th grader in a online public school
and the other two are high school 11th and 12th and use time for learning. :)
We don't do eat out either we make homemade. :)
I am so glad I found your channel it's so nice to run into someone on youtube living so similar to ourselves.
thank you for this video!! I am so excited to see a single parent living this way and giving your children such a blessing in life! I wish I new this stuff when my son was little, we would have had less stress in our lives financially... :)
As I am watching this I am eating beans and rice. Saving money is addicting, but yes it takes awhile to get the hang of it. I also have my house and car paid for and don't miss a darn thing I gave up to make that happen. Material things are just time wasters. Good for you for homeschooling, my daughter does it to and her kids are so happy.
Hi Wildflower Homeschool and Tiny House Homestead:), I loved your video and your tenacity. Thanks for sharing.
you are a very smart lady, single mom and homeschool your kids! I admire you.
I don't think that she is single....just because she talks in the singular doesn't mean that she is single. As far as I know she is married and has a husband.
You are doing great. Thanks for the motivating video. You have made me increase my efforts to reign-in my credit card debit, and live more frugally.
Thanks for your video.. You are one smart woman and it is great to see a single parent make a decent life for herself and her children even without any help from their dad!!
I love that you choose this lifestyle by choice. You are very wise!
I’m new to your channels and I’m thankful that I came across this video. Thank you for sharing!
I wonder where she lives, here in Hawaii you could not even rent a room for that! I think she is doing great 👍
she is NOT LISTING RENT as a bill...that is crazy.....you can't rent anywhere in the USA for 700 a month
Great video - I think it could provide a lot of help to people! Good for you and your family! Take care, Wendy
Thank you for posting your views!!! My wife and I believe the same things!!! We are almost debt free!!!😁 We hope you have a Super day today!!!!
Great job mom. Ur kids will be healthier & wiser by living & learning this way 👍👍👍
Very interesting. Subscribed to see how your new home unfolds. Awesome content.
i use dish detergent and i was my clothes in a huge bucket with a 2 by 4 piece of wood
Wow! I’m a single mom, too! But I never heard of such a charming house being so reasonable. You live and breathe this and you are such a great role model. Make sure to keep chugging along with your college courses. You never know when you are gonna run across a dream job that requires a degree.
I love this!!!! I am would love to get our family of 7 in this type of financial position (we homeschool too). New Subbie here, can't wait to watch your journey.
First time I've watched one of your videos.
I enjoyed it! Very informative! I also benefited from Dave Ramsey's book and Financial Peace University Course.
Paid my condo off 7 years early. Best wishes to you!
In 6 months we will be debt free and I can tell you I;m so super happy!
I'm so impressed that you can do your own home renovations. I can barely lift a hammer wtihout wrecking stuff. How did you learn your carpentry skills?
I am so impressed by this video! My rent alone is 1200 dollars so I'm not sure how I could make this work and I'm one person. I am going to try some of your tips even though I'm one person! Thanks for the video :)
I did video going over how I lowered my monthly expenses that you may want to check out. ua-cam.com/video/WiEk_WBgCvA/v-deo.html It has taken several years to get my bills so low, and I thought is was nearly impossible at one point too. You can definitely do it!
Very smart lady. Most spend their lives doing what they must to pay for the (Stuff) they have been told they should have. They wind up a slave to a job or place because they haven't learned that (Stuff) is not as important as time with family, or doing whatever truly makes them happy. I look forward to following your channel.
you are amazing! I love watching your videos! You are an inspiration.
+Just Sew Trish :D Thanks!
You're a hero, thank you for sharing this!
Great video.. I got laid off in 2009, read Dave Ramsey's book. Got a great paying job in 2010 and am debt free. I wish my misfortune would have happened earlier. But life happens when it happens. Thanks. Ps some guy is missing out on you and his kids take care
What a great lady and parent. Awesome advice. Thank you. Very encouraging. Your work is amazing.
Great video! Thanks! I'm sure you meant "reduce" your expenses and "stealth" kitty!
I came across your video . Thank you . I really need to get rid of my credit card
I agree with you for the frugality things to do
Happy to have found your channel. Lord Bless!
You are so brave! Its wonderful how you work toward goals that are meaningful to you.
Great thinking! Who needs to pay all those huge bills anyway. Everyone needs to save a little egg nest for retirement and other things that are a necessity. A person doesn't need all those material things. It's just things.
Thanks Kate for all the tips and information. Will check out the book you suggested.
Very proud of you.
This is so inspiring! Thanks
Such a great idea.
Well Done Video...thx furr posting...I was raised by a single Mom who raised three children by herself..though she had some help from her pop a MD it was not an easy time furr her..
I have only one question or care....socialisation for your children...mixing with others their age...an important part of growing up is learning how to interact with peers..how are you addressing this???
Again a great video..
I keep thinking about selling my house & just fixing up a shed that I have, but after doing the math & looking a property prices I don't think it would be worth it. My current mortgage is $680 on 10 acres with a 3/2 mobile home & fruit trees, small pond & peace & quiet. 5 acres without anything will run me about $450/ month & I would need to install a well, etc. So think I will stay put. Glad you got to do something that works well for you. I should just finish out my shed & just use the mobile home for when the kids come out. That would save me on utilities. Either way I'm always glad to see people getting to live the life they want.
you guys have no idea how good you have it. a one bedroom apartment here is 1300
I've been to those sorts of places & decided it wasn't for me. I enjoy my low mortgage.
Sometimes staying where you're at is a better deal. That's what my mom did. She had a $100 house payment on a huge house when we were growing up. She was able to pay it off and live debt free and raise 2 teens on $500. It doesn't always make sense to move.
In my case it really doesn't make sense to move. I really enjoyed the freedom I had when my mortgage was only $215 a month but kids add a whole different dynamic to the financial side as well as other sides of life.I always enjoy watching videos of people who actually live the lives they enjoy.
You should consider budgeting yearly prorated costs for home and auto repair, birthdays and Christmas since you know that's going to happen.
Good job young lady. Very wise indeed. More family and nature time=Priceless!!!
i can totally relate to you everything you said is so spot on ! i have paid off my car and paid bills down we live watching net flix and movies to i cant afford a lot either
you are so intelligent and strong, respect
Another single mama in college and homeschooling here 🙋♀️ love your channel ❤️
Again, great video. Yes, we did read the Dave Ramsey book and did the total make over.
A lot of expensive autos are used just to go to work in and grocery shop when it comes down to it. Make do and mend is a solid philosophy most of the time.
Good luck.
I love your basic lifestyle. Keep it simple. My financial life changing book is The Millionaire Next Door - Stanley/Danko. I first read it in 1996 when it first came out and it changed how I viewed wealth. Good luck to you and your beautiful family!
Thank you :) This is a book I have not read yet, but have been meaning to. I have heard great reviews.
I consider it a must read; life changing!
I'm glad I found this video you are one smart cookie
well, wadayano, u don't have to move to Thailand or south America to retire/live cheaply.
thank you JESUS. !!!
you are sooooo smart😊
good job! I'm the same way 😉
Living in San Fransisco is expensive but I went with the smallest place ( easy and cheap to heat, San Fran doesn't get hot) and I worked 2 jobs and saved money. I'm looking to buy land maybe in Arkansas to homestead in a tiny home. You're video was very helpful. Love the house.
go u! great way to do it!
Great video! We homeschooled our children for 17years…. best decision ever!!! Bless you!💕🌷💕
You may be living on less than $700 cash but don't underestimate the unpaid cost of your time and talents, at least $20 an hour!
I also live about 45 min from the Great Smokey Mountains.
wow! teach me your ways!! my family and I are transitioning away from consumerism and focusing more on self-sufficiency. I have lots of questions for you! 1st- we are about the same distance from the Smokies :-) 2nd- do you work part time? where does the income come from? 3rd- how are you able to feed three people so inexpensively? (I have dietary issues, food allergies and restrictions, so my meals are pretty limited anyway to meat protein and vegetables and fruits)
I'd love to hear more about how you're making this all work! thank you for sharing.
By the end of 2023 I will be debt free! Thank you for showing that extreme frugality is not deprivation but is actually the path to freedom. ❤️
How exciting! Congrats!!!
Dave Ramsey is wonderful!
I am a senior. Live in the Northeast USA. $1200 per month is just the cost of taxes and homeowners insurance! Cable and utilities is another $1000 a month. And that does not include my mortgage, car insurance, life insurance, food. So very expensive here. Can’t move due to family. I can’t imagine not being with my grandkids. Looking to downsize to cut expenses. I appreciate how thrifty you are!
I admire what you have achieved. Thoreau, Bradford Angiers, Tom Brown and The Nearings were my greatest influences. But my late husband was a workaholic and I ended up following him. At 63 and rather broken from the life we led, I am not sure I could accomplish that dream at this point. But I do want more living for less. You are my ideal as a woman and a mother.
i live in jamaica in a 2 bedroom house in a gated community with air conditioning. rent is 200 usd lol. Rent is dirt cheap here. The only thing that is expensive is food.
Wow, really!?! I think I should move to Jamaica then :D
Do you grow your own your veggies 🌶 in such a beautiful island ?
Walden is a great book. Thank you for sharing.
I have subscribed, you're an amazing woman, this is like totally my dream and I am not able to do it.
great video! good for you
Very good video.
You rock!
what type and how much life insurance do you carry? Also you could cut your cell phone in half but going with Republic Wireless
I carry $250K 20-yr term life. It is bundled in with my car and homeowners insurance, and around $15 a month. I will check in to Republic Wireless ... thanks!
I came across your video . Thank you . I really need to get rid of my credit card debt . I am working on that . I am looking into being credit card debt free by summer of 2017 .
Yay!!! It will feel so great! Good luck!
I do many different things to save money, here are just a few. I coupon, I do water displacement in my toilet bowl, I unplug and turn off lights when not in use, I use my local resources. Ect
I am a 31 year old single lady living off of ssi of $700 a month! Survived cancer at 19, deal with depression and just was diagnosed with auto immune disease, moved from Chicago to Alabama a year ago! I only need internet for hobbies and games! Finally enjoying life even with daily pain! I do envelope budget so it’s easy to save! Thanks for this video
Walden... great advice for reading.
I commend you! You are an awesome woman and mother! Congrats for all your achievements!
Thank you!
Did you know you can get around $10 internet from AT&T if your low income? My mom signed up for it you should look into it.
Do you have health insurance? Hope so with those kids. Seems like being a single parent with kids, you could get on ACA no problem.
By the way you call it frugal, I call it nomal. I work hear in France for 1200€ a month and got to pay taxes of that. You are rich from my point of view.
Get rid of the $45 a month and switch to RingPlus! They use Sprint towers and some plans are even free!
I loved your video. Most people dont get it. I know you probably said what you said to simplify it. But the cost of cable TV in hours or anything else that is not basic food and shelter is much higher. If your mandatory living bills are $500 per month and you make $1000 per month 40 hours per week after taxes than your discretionary income for cable or eating out is $500. $100 of spare cash for cable costs 30 hours of your work. I know Its is difficult to explain to people in person, so its really hard to do in a video. I think you are great and wish more people were like you.
Wow. That really puts it in a more clear perspective. Thank you for your comment.
I loved the video💕 New subscriber here. I also just started vlogging myself, homeschool mom of 8 frugal living and backyard chickens🐔💕
Way to go. I am also a single father who homeschools and builds off grid. I currently use no money. Money is for chumps. (This is my motto) I barter for most of my lifestyle. It is difficult but I am home with my children every day. We learn new things every day.
That is awesome man! I wish I could do that one day.
Your on the right track, sister. It's a long haul, but the end result is worth it. What are our goals? Debt? Wants or needs? Am I living below my means? My journey has been long & hard...but sooo worth it. I have NO debt. My house & car are paid for. I have $aving$, cd$, completed Dave Ramsey's Financial Peace University, have inve$tment$ & am in day 3 of my retirement. Life is great!!! You'll get there...keep on keeping on.
i have 5 computers and 3 tvs im obsesed wtih electronics
Very smart Young lady and money savey. Looking forward to more videos
Not possible in Harris county
WOW I MAKE OVER A THOUSAND A WEEK WHEN I WORK MOSTLY I GET TO NOT WORK CUZ IN ONE WEEK I CAN PAY MY BILLS SO I JUST STAY OFF WORK FOE 3 WEEKS AND IM GOOD
I just love the idea of living the way where your bills could be reduced that much. Are you going to get or build the small house? How big of a land do you want to get? We are saving money like crazy, and I am not ashamed to show some ideas and ways I do it in my videos, because it can help some people to reduce their bills. Can't wait to see your jorney, how you will live with low expenses.
+My frugal life I am going to build a new house. Very fortunately, my dad has been a project manager on new house builds for 30 years, so he will be very helpful! I will be building on part of my parents 4.5 acres. I have a video up of the property ... it is beautiful! I am heading over to your channel now to subscribe! I love the frugal life!
Thank you so much. I will go look for that video. I see, we like a lot of the same things.
Great ideals !
Our health insurance is $890/month for a family of four and it's an HSA eligible plan. It kills our budget.
Ours is the same and that's why we don't have any insurance . We can't afford it . We would be homeless or without food if we paid it
Sierra Novack Its very hard to afford health insurance on the marketplace! Its ridiculous!
Did you mention health insurance?
Really wanted to watch, but couldn't make it past the music at the first :/
What you say makes sense !
Do you go without health insurance? Or live somewhere that has public health? I find that paying private health is a big expense for us but we need it for the dental coverage.
+skyeali1 Fortunately, right now we do not have to worry about health insurance costs. My children are covered under a state insurance plan, which includes dental and vision.
+Emmers A - We are currently on the plan Obamacare requires us to be on.
Yes
This means her children are getting their healthcare paid by us the taxpayers.
+Bonnie gill It also means that as a society we value children's health regardless of circumstance and because we helped them when they were young to remain healthy, they will be strong enough to work and pay taxes so that when you are old and need assistance in the form of social security and Medicare, the taxes they pay will be paying for you!
Great video! Thanks for posting. Since you homeschool the kids, I take it you're home all the time and work from your home? I assume you're not having to pay for childcare? I love how you brought up about time spent working for the money that you are spending towards an item or service. I've done the very same and it really gives you a whole different perspective on how you spend. I'm a professional organizer and I teach people how to live simply and with less. My budget is not much higher than yours and I'm a single person. No kids. I live in Nova Scotia and everything here is considerably higher priced. I buy dry food in bulk, (dried beans, rice, pasta etc) and dry can. I also use a pressure cooker a lot. It cooks faster which saves on power. Again, thanks for your video. I subscribed.
Nice! How did you get started with professional organizing? If you don’t mind me asking. I am currently taking an online course for it 😊
@@graceharvest3096 Hi, I've always been super organized anyway and a spend thrift big time. I just started up a small one person business locally out of my home. I got insurance for myself and printed up some flyers and started handing them out at the local stores and who ever would take them. I built a website for the business and had some business cards printed up. I started getting some calls and got some jobs and the word got around and it just went from there. I also took gift bags to each job filled with things like fun timers, small pens and small writing pads and other things that can be used in the home. Being just one person I stayed away from hoarding jobs and I finally had to give up the business when my knee went out but I was old enough to retire by then anyway.
Nice! You did great! Thanks so much for sharing. Very inspiring ☺️
Gift bags are a nice touch 😊
How much student loans cuz that is debt