Extreme Budget 2023 / Living On a LOW INCOME

Рет қаралды 130,875

Күн бұрын

My husband recently lost his job, so we are going super tight with our budget until we can increase our income. He lost his job just days after our baby was born. Fortunately, we have already been living a frugal and minimalist lifestyle, so the budget cuts haven't seemed too drastic. Being debt-free has also made this time so much less stressful. This is our super low budget for 2023.
Also watch ...
Extreme MONEY SAVING Tips for Families: Living SIMPLY Saves BIG $$$! - • Extreme MONEY SAVING T...
Surviving Inflation and Prepping for Income Loss - • Surviving Inflation an...
Mortgage Free with a Low Income: How I Paid Cash for a Home at 35! - • Mortgage Free with a L...
How to Buy a Home with a Very Low Income - • How to Buy a Home with...
12 WEIRD Ways I SAVE MONEY // Extreme Money Saving Tips // Minimalist + Low Waste Lifestyle - • 12 WEIRD Ways I SAVE M...
CashApp: $KatieWildflower
Business Email: katieraisingwildflowers@gmail.com
Chapters
0:00 - Intro
1:09 - Extreme Budget
8:17 - Debt-Free!
9:54 - Save Money!
11:11 - Poverty in the U.S.

Пікірлер: 451

@raisingwildflowers Жыл бұрын

If you want a more detailed look into how our family saves money, check out this video: Extreme MONEY SAVING Tips for Families: Living SIMPLY Saves BIG $$$! - kzfaq.info/get/bejne/iZ2agZic1qvQiWg.html

@tamaralaird3389 Жыл бұрын

Finally a regular family.

@Na-nc6qt Жыл бұрын

Terminally ill and receive 1100.00 a month. Rent is 750 a month, electric 90 a month, gas is 140. Receive snap benefits of 130 a month. Doesn't include gas for vehicles or insurance for house or cars. Without medicaid and Medicare I would be homeless, meds are 5000 a month. I thank God everyday that I have a roof over my head. I pray for you and your family 👪 🙏

@cynthiacole6140 Жыл бұрын

🙏🏼

@esteeb42 Жыл бұрын

I was recently widowed and living off a small life insurance policy and savings. Because I just turned 60 if I collect my husband's Social Security I will be penalized a lot. I chose to wait until from next year, my income will be about $1,700 a month and I'm thinking I'm going to need to get a part-time job because that will not be enough to live on in my current situation. How do you make it on $1,100 a month with so many outgoing expenses?#curious😊

@irmary429 Жыл бұрын

🙏

@Quit3Cut3 Жыл бұрын

Similar boat. I’m chronically sick, I have stage 4 endometriosis and have daily pain that cripples me. I work full time and make around 1000 every 2 weeks. Not sure how much longer I can work though, my pain is so severe I can’t walk some days.

@esteeb42 Жыл бұрын

@@Quit3Cut3 sorry to hear about your endometriosis. I had debilitating endometriosis in my early thirties. I had to have a complete hysterectomy. I was thankful that we had our son and daughter already.

@judyland-obrien4259 Жыл бұрын

Own you're home and car... no debt...food in your bellies and love in your hearts...you guys are inspirational to many of us!! Thank you for your smart and effective habits!!

@davisholman8149 Жыл бұрын

AND - Mint Mobile - I only pay $15 a month. It is great.🤑

@katie7748 Жыл бұрын

@davisholman8149 if it's in your area, sure lol

@amychen2504 Жыл бұрын

The houses are SO CUTE. I really admire your ability to fix the houses up. People don't need huge houses, I wish more people normalized cute, small homes whether or not it is a financial necessity.

@katie7748 Жыл бұрын

Most people already don't live in huge houses...

@lauralogan3046 Жыл бұрын

I agree. I think what we’re shown so much on KZfaq/social media are young couples/families who are in these incredibly large homes. That’s fine, but I feel like it can cause a lot of discontentment with those of us who are watching bc we believe that’s the norm. Our parents and grandparents generations had small homes & larger families! The kitchens weren’t huge, open concept and they seemed to cook more from scratch. Normalizing “normal” life is a great thing to see on KZfaq ❤️

@BM_100 3 ай бұрын

@@lauralogan3046 Even before KZfaq, TV commercials were doing the same exact thing in the 80s-2010s. Young couples living in $2-$5 million houses, smh

@bethyoung4030 10 ай бұрын

Very important point you make about just not turning on the heat. A lot of frugal things I do are things I don’t do😜. Like use natural light vs turn on a lamp, make a pb&j for dinner vs use electricity to cook, use beans/lentils vs meat. We manage to live off $500 a month with no car payment and tiny mortgage. Raise a huge garden, barter, stay home vs shopping, take walks for free vs paid entertainment, garage sale for clothes, etc. I try to live with the mindset that the little I have is sufficient. It is not always easy but do able. I do live in a far north climate so air conditioning is not needed but heat is thus we heat with wood which saves money also! But kudos to you for all your efforts!! With your husbands income loss you may qualify for WIC in which case they would give you vouchers for food if you are breastfeeding. Also you may qualify for a discount on your phone with your insurance. And don’t rule out food banks or food pantries, they are there for exactly the situation you are in.

@blackgrandpa7652 Жыл бұрын

Wow you prove if you dont have debt you dont need alot of money to live 👏👏👏

@cherylsklar6640 Жыл бұрын

So sorry to hear that your husband lost his job. I've been in your situation and thankfully it all worked out. We didn't need to sell our house. My husband found a better job and worked with that organization for 25 years until he retired. Best of luck.

@Magdalena287 Жыл бұрын

Can i make a suggestion only if you guys need it, I homeschool as well (5 kids) for almost 10 years and for a whole year we had a very tight budget that I needed to get our homeschool budget to almost 0, I got some notebooks from walmart for 35 cents and some good pencils, crayons, glue etc, and we used the library and khan academy as the base of our school. It was the best year we had homeschooling and lead us into never going back to expensive curriculum ever again

@antoinettepeeps1 Жыл бұрын

Love your videos ❤ we live a similar frugal lifestyle. Spending under $2000 with a small mortgage (paying off in the next few short years) in California. Because of that, I am able to be home right now with our toddler who was recently diagnosed with autism without the stress of needing two incomes. It’s a real blessing to not have the stress.

@raisingwildflowers Жыл бұрын

We are an ASD family too 🥰 Your son will benefit so much by you being able to stay home with him.

@j.m.b5441 Жыл бұрын

We're a family of 3 and our expenses are about 2000 a month and we thought to be extremely frugal!! You're my new hero!! You guys are doing a great job and teaching your children a great life lesson. Thank you for your videos!!

@Lady.Luck. Жыл бұрын

It would be the same if she had a mortgage or rent

@j.m.b5441 Жыл бұрын

@@Lady.Luck. we don't have a mortgage, done with that!!

@PeaceDayCortez Жыл бұрын

I live in California, living off $2300 with a mortgage. We never turn on the heat or ac my average electric bill is $67. We catch 5g water from each shower when it's heating up to water our plants & give our animals. We never eat out. I plan all my stops between work & home. I've taken on a minimalist budgeting. I the only debt I have is my home which I'm paying down.

@miketracy9256 Жыл бұрын

You have done amazing work keeping up the frugal living budget. We started off the same 45 years ago with our family of 4 when we bought our first home with our income at $750/month. Our gas and electricity service back then was $30/month, home phone was $14, insurance was $30, and prop taxes were $40/month and from 1974 to 1978 we did not even own a car. I became under-employed for 7 months from the fall of 1979 to the spring of 1980 and we were still able to pay all our bills and even loaned a friend $1,000. Our income is much higher now but we still live a frugal life, because it is just what we got used to when we were young and poor.

@KtBudgets Жыл бұрын

My husband was out of work for a year and a half so I feel for you. We had 5 kids still at home.

@WookieSenshi Жыл бұрын

I'm in Tampa Bay and I feel you there on these drivers. I've been a full time courier for 13 years. These people have lost their minds on the road the last few years. It's no joke.

@Boringcountrylife Жыл бұрын

Awesome testimony for encouraging people to get and stay out of debt. Live on less than what you earn my friends!

@Erin____ Жыл бұрын

Where I live, you can’t even find a studio apartment for $1500. It’s getting harder and harder to survive on a lower wage these days. Thanks for sharing these tips!

@JanelleSalstrom Жыл бұрын

Yeah, I'm in CA and our rent alone is $2750 a month! And we got a good deal because you can't find anything in our area for under 3k /month right now. Car insurance is high, our latest gas bill is over $300 for one month and we are careful with our usage, and that is not including electric! I could go on.......this video is inspiring still, I just have to adjust expectations for the cost of living where I live.

@kathyharmon2093 Жыл бұрын

@@JanelleSalstromI realize the cost of living is higher where you are but are the wage’s higher as well?

@melowely Жыл бұрын

Same. Our mortgage is ridiculous. 🥴

@karolinak828 Жыл бұрын

Move out from Demonrat state 😂😂

@melowely Жыл бұрын

@@karolinak828 easier said than done 🤷🏻‍♀️

@jangreen5549 Жыл бұрын

That's very impressive... all the things you've done, and are doing, to keep your expenses so low. Congratulations on the results of your wisdom, hard work, persistence, cleverness, etc. etc.!

@raisingwildflowers Жыл бұрын

Thanks so much!

@alipainting Жыл бұрын

Mint mobile for phone. $15/month. 😃 Thanks for your idea on getting a house paid for and also the costs of living in Fla. I have an idea for your teens. Have them look into yacht work out of Ft Lauderdale. They could make some serious cash. Income earned offshore has a tax break of $120k a year last I looked, plus all expenses are covered. It's not easy work, energy is needed. There are career level positions if interested such as yachtmaster, massage therapist, or chef. Lower level jobs are deckhand or steward/ess. I've seen a 21 year old making $100k a year as a captain, maybe more nowadays. ☺️

@thehedgerow 9 ай бұрын

I do mint mobile too. Definitely worth it!

@worldchanges10 Жыл бұрын

Most who can’t survive during this economy should watch your video for affordability in this current inflation in America

@jorasparents Жыл бұрын

OMG that is a cute house you currently own! It looks like a cottage from a storybook! Also, I had no idea FL property taxes are so low. I'm in NJ with a really small house (1100 sq ft) and virtually no yard, and our taxes are 600 per month! So glad I found your channel. :)

@karenv3494 Жыл бұрын

Very impressed with how you manage to make it all work with no debts, 3 kids and homeschooling! You also seem to have a great attitude. Your kids are learning a lot from your good, can-do example. 👍

@Petruskinhap972 Жыл бұрын

This is so amazing and so eye opening. I love how you bought and flipped your first house being a single mom.❤

@Thisisit120 Жыл бұрын

You are a wise young woman with the way you handle your money it sounds like even before the job loss that you knew how to put back in case of an emergency. Good on you. Don’t see too many like you these days so it’s a very refreshing video to see this.

@missmrice91 Жыл бұрын

That’s awesome you are debt free and can live on such a low income. You were very wise with your investments.

@meme1star Жыл бұрын

My property taxes are $600 a month on a house I originally paid $131k for..property taxes here in Texas are killing us right now. I'm about to be laid off from my HR job at Amazon and have been worried about it so much. Every job I've applied to either ignores my resume or claims they've picked another candidate. I'm hoping to gain some insight in how to reel in a budget but honestly I don't eat out, I don't spend money on clothes, all I've been doing for the last year is pay bills, no vacations or traveling to see family either. I'm waiting for my youngest to graduate in May and our plans are to move out of the city into a smaller house in a smaller town and hopefully make enough on the sale to pay off the one we buy next.

@randallland6739 Жыл бұрын

How are your property taxes every month? I pay once a year.

@JDjee5 Жыл бұрын

@@randallland6739 she probably has the option to pay yearly, but most people can’t afford that, so the next option is to pay monthly. Her property taxes probably equal to about 7200/yr.

@Msterri4u Жыл бұрын

@@JDjee5 Yikes!

@lauriekerze3461 Жыл бұрын

Consider moving to a lower tax state.

@alipainting Жыл бұрын

@@lauriekerze3461 yes, I pay $480 a year for my $180k condo in Colorado. I could only afford Texas if I was over 65 and got an old-person property tax break.

@enternamehere0 Жыл бұрын

Congratulations on being self sufficient. I appreciate you making the sacrifices for your family. We should all hold your standards of self reliance and not rely on others or entitlements. Hope your husband finds an amazing job.

@raisingwildflowers Жыл бұрын

Thank you ❤️

@jillgott6567 Жыл бұрын

Kudos to your family ! You have done what most have not and that is keep your expenses low "just in case". Because, sadly," just in case " has arrived @ your house. I cut my electric use by 32% watching videos on my phone and not turning on the television. I figure I pay for the phone plan so make the best use of it. It will be tight but can be done prayers for you all.

@sharonlugone5955 Жыл бұрын

Great job of stretching your dollars! I've had Mint Mobile for over a year and am totally satisfied. You may be able to cut your cell phone bill in half if you switch to Mint.

@carolbradley4845 Жыл бұрын

So inspirational! I grew up poor and I’m very proud of you for fixing up that first home and having the equity to do it again with your current home. A lot of people can learn from you. Thank you for sharing. New subscriber from Texas! ❤️ God bless you and your family!

@raisingwildflowers Жыл бұрын

Thank you so much!

@rebeccacarter9456 Жыл бұрын

As a fellow Floridian, I don't know how you can do it. The humidity alone is enough for me to crank the A/C down. More credit to you.

@raisingwildflowers Жыл бұрын

Oh I agree, the humidity is awful! We have a dehumidifier for when we aren’t using our a/c much. We realized soon after moving down here you need one or the other, even in winter 😆

@Spot4art Жыл бұрын

Thank you for teaching people you can be reasonable and frugal and do what you have to to live within your current means. Very smart!

@barbarahughes6009 Жыл бұрын

I really love your videos,I watch out for them every week.I appreciate how down to earth you are,your minimalism and your frugality.I also appreciate the sharing of really specific information on how to survive on a low income.Thank you.

@thehomespunwife Жыл бұрын

Thanks so much for sharing this video. Blessings to you and your family!

@missdesireindependance5194 Жыл бұрын

Enjoy your budget breakdown. Owning a house or mobile home will definitely save you money as well as owning a car. This is what I’ve done and I have saved a lot.

@jesusisthelordofall4715 Жыл бұрын

God bless you and your family!! I think it’s great to be frugal and not excessive. Love is what matters most by the end of the day and it looks like you are surrounded by it😊❤

@lauralogan3046 Жыл бұрын

This was so informative, and really compassionate ❤ Thank you for your vulnerability to share this with your viewers!

@teddybear283 Жыл бұрын

I’m proud of you. It’s not easy but you manage well !

@familyzoo4412 Жыл бұрын

Good for you on selling the reno and using it to buy a house in cash!! 🎉🎉🎉 That’s awesome!

@DollyJohanne Жыл бұрын

Sorry for the job loss for your husband ❤ I am really Impressed though, and you are such an inspiration. You are doing better then so many, and you also invite us in to see and learn. I am grateful for that. I get that it also is very hard work 💚💪🏻 I pray and hope that the job situation will work out. Love and blessings from Johanne, Norway 🇳🇴

@georgiabelle5176 Жыл бұрын

I respect you so much. You are one strong woman, and you have much wisdom to share. God bless!

@michellehowell1228 Жыл бұрын

Loved your video! Our daughter and grandkids live in Florida. Cudos to yall for coping with the heat and adjusting. We're from Texas and find it to be so much hotter there with the humidity. Of course we're only there for a week at a time too. Also groceries seem more expensive there than here, but I'm sure there are things that are higher here. We live in a rural area and our internet is over $80 per month for basic package. Praying your husband finds another job soon. 🙏

@pennynickels5216 Жыл бұрын

Great to see you 💛😊

@Gracemp77 Жыл бұрын

You guys are doing great. Sending positive vibes that the gig work will be abundant and that your family will enjoy the freedom.

@raisingwildflowers Жыл бұрын

Yes! Thank you!

@margaretghirardello5933 Жыл бұрын

No mortgage u r blessed compared to most people now days

@ceciliamukanda138 Жыл бұрын

You are a blessing to your husband.

@rachellawyer3421 Жыл бұрын

First time watching your channel and I’m extremely impressed on how much you’ve accomplished and how great you are doing with your finances. My husband and I will be paying off our mortgage in June and we are 39 years old and understand how impactful not having a mortgage can be. Looking forward to watching more of your videos!

@raisingwildflowers Жыл бұрын

It is so exciting to not have a mortgage anymore. Congrats!!!

@Planted_1 Жыл бұрын

Have you looked into food stamps? With a family of 5 I am sure you would qualify. Since the children are getting healthcare already it should be an easy process. I hope your financial situation gets better really soon. Love your transparency!

@katie7748 Жыл бұрын

It factors in more than family size. And honestly, the less help from the government the better. I say this as someone who lived in HUD housing and received foodstamps, WIC, and state insurance, plus was under the W2 program. Only thing I still have is the insurance which will be going away soon.

@charmainepohatu1531 Жыл бұрын

You have totally inspired me so glad I come across your channel.

@whitepinehomestead Жыл бұрын

Good for you guys!

@janetandrews9030 Жыл бұрын

Janet Andrews hello from Virginia: Girl you are awesome to have a budget so low and be able to maintain it. let me tell you for those of us who make more money something to consider because you never know when you can lose a job best to be prepared love it. By the way I am a first-time viewer!

@teresacrowley4076 Жыл бұрын

You are one clever lady, with Great strength of character. You must be very proud of what you have achieved. Well done 👍👍

@anitaluevano9643 9 ай бұрын

Thank you soo much your family is doing a great job take us on your side hustles

@patriciarowley7195 Жыл бұрын

You are a very wise woman Katie! Well done!! 👏👏👏 Very inspirational.

@theropesofrenovation9352 Жыл бұрын

Sad it's still so hard to live even when debt-free. Fantastic job!

@budgetwithfatima6530 11 ай бұрын

Your so intelligent and very smart not to have debt your doing a awesome job ❤❤

@rachelcrossen8136 Жыл бұрын

You are doing amazing!!

@JM.5387 Жыл бұрын

I hope things get easier for you and your family.

@raisingwildflowers Жыл бұрын

Thank you ☺️

@davidcody6255 Жыл бұрын

I'm enjoying your money saving strategies. Thank-you.

@MiaROLZen Жыл бұрын

Great video. Thanks for sharing your insight.

@shess1640 Жыл бұрын

I have so much respect for you!

@raisingwildflowers Жыл бұрын

Thank you 😊

@genemartinez2833 Жыл бұрын

Excellent detail, context and explanation of how you save money. Very helpful to anyone!

@amarashy7013 Жыл бұрын

This is sooooo Amazing I bring home a variable income highest being 2500 a month lowest 1800 and sometimes I feel like I should be making soo much more but the owning your home and car is Fantastic!!!!! This helps me to want to stay on track with my finances Amazing job wishing you and your family the best!!!!!! Please continue to make videos!!!!!!

@thereisatide Жыл бұрын

Your house insurance figure really shocked me - but then it made sense when you explained about the hurricanes. I live in NZ, and we have had two major cyclone events so far this year, causing massive flooding and damage, so insurances here are probably going to see large increases.

@terrychittam8483 Жыл бұрын

My first visit here ,enjoyed so proud of you ❤❤

@SuneScharneck Жыл бұрын

Believe and Keep going. Try as long as possible not selling your home.

@untamedt7353 Жыл бұрын

Just came across your channel. Sounds like you would make a great real estate investor. You know how to find fixer uppers. You can do repairs yourself which is amazing and shaves tons of money off of rehab. I know it isn’t for everyone but it was a thought as I was watching your video. You can make a great income. Money isn’t everything but it sure helps.

@sue1703 Жыл бұрын

Thank u for sharing your budget! Just subscribed to your channel. :)

@lindamartin3577 Жыл бұрын

Great job! You're inspiring! I wish more people would be so sensible.

@raisingwildflowers Жыл бұрын

Thank you so much!

@patricewhitiker2646 9 ай бұрын

I definitely understand on disability I own my home and car I live modest and im grateful

@lucasgaeta3403 Жыл бұрын

girl, you are my hero!

@aimeevargas4016 Жыл бұрын

You are my goals! Watching your videos has actually moved me to look into spending half of what I spend now, on groceries. Thanks!

@raisingwildflowers Жыл бұрын

Yay!!!😁

@heatheroakley2982 Жыл бұрын

You appear to be a very smart lady! Planning for the future even though you have a low income/single mom. Best wishes to you and your family and I hope your husband finds a new job soon.

@raisingwildflowers Жыл бұрын

Thank you so much!

@IsabelWilliams Жыл бұрын

I too live in Fl... In Miami, where a 400 sqft studio is $1500 per month. Purchased a lot for 40K three years ago ,built a home in the three years. Now I must pay 15K of impact fees to move in my newly finished home. Doing serious saving to pay the fees and get out of the rat race.

@terrisserose Жыл бұрын

I remember when it was just you and your two girls! Wow Nice to see you back again

@janvas7690 Жыл бұрын

You are truly amazing!

@dwilliams8146 Жыл бұрын

I just found your channel. Very Interesting. I'm very impressed. Thanks for sharing your information. From Jacksonville, FL

@multimillionaire8763 Жыл бұрын

New subscriber!! This is great...simple living!

@dhoffman4955 Жыл бұрын

God bless you and yours

@juliethompson5301 Жыл бұрын

Wise words .I've subbed your channel,it's great 👍

@cherylperkins7538 Жыл бұрын

I have2 layers of clear bubble wrap on my windows. I can still see out some, the sun comes in and it saves me a TON. Twindows a supposedly double pane but they are crap. I got the bubble wrap at Dollar Tree. Took me weeks but its truly amazing .

@breezybre2670 Жыл бұрын

I hope you can buy new windows soon!

@blackjag121 Жыл бұрын

You are amazing! To fix up your house!! New sub🥰

@donnamcclenton7340 Жыл бұрын

New subscriber and I’m living on a 1500.00 monthly budget for 1..it’s can be done.. I’m saving little by little .. it took me over a year to save $1000.. now I’m working on another $1000 it’s not easy on a survivor SS income but I treat savings as a monthly bill.. I also do a once a month inventory of my food at the end of every month which enables me to do 2-4 week pantry challenges because I stockpile because I can’t drive and use para- transit ..which is the best transportation every created for people who are disabled….I was a single mom of 2 now adult kids and I always had to tuck a few dollars so I’m use to it..I often here people say they struggle on SS well I been on it my whole life and it’s a struggle but you must have a budget.. I’m not on welfare at all and my rent is 750.00 alone in a 2 br and that’s cheap….I’m looking forward to following you and learning more tips you may have…Blessings to you and your family .ps.. for give the spelling errors it’s late..

@WifetoJohn Жыл бұрын

Thanks for the video! Would you consider doing a home tour of your small home?

@DiasFrugalLife Жыл бұрын

Yes 🙌 I love to see a tour of your small home too 🏡

@user-ib7it2li8f Жыл бұрын

Congratulations on the good buy of you’re first house. I hope to get this ass well with my appartement in Amsterdam! Wish me luck 🍀

@raisingwildflowers Жыл бұрын

Good luck!! ❤️

@user-wd3po8sd7k Жыл бұрын

Great video!

@beckyshell4649 Жыл бұрын

Being debt free sure takes a lot of pressure off when times get tough.

@Mexicobeanpole Жыл бұрын

You’re in a very good position. But, I do wonder how safe your neighborhood is at those prices. I bought a house within 15 minutes of the beach in Stuart fl for 160K in 2004. It also was the cheapest house in the neighborhood and was a fixer upper. We did most of the work ourselves except for electrical and new roof. We paid it off in 15 years. But, now, though we’re mortgage free, our real estate taxes are $4400 a year and our homeowners insurance went up from $4000 to $7000 in 2022. So, though our house is paid for. Taxes and insurance are about $1000 per month. Unless we get the states garbage insurance, the insurance companies are the only option and they’re robbing homeowners. The houses are now selling for around $400k. But, if we sell, where do we go for a fairly comparable and safe neighborhood and not pay inflated prices. We’re seriously looking at cashing out a relocating to a loser cost country. Bye bye USA.

@raisingwildflowers Жыл бұрын

We live in a safe neighborhood. Definitely something we considered when purchasing while having kids. We needed a safe area so I felt comfortable with my teens walking places on their own.

@patriciajoyner9871 Жыл бұрын

Wow great job.

@elsbithrumble6683 Жыл бұрын

Excellent house flipping skills!!!

@alisonhooton89 Жыл бұрын

First time watching your channel, recommended by Frugal Queen in France. Loved it and have just subscribed ❤️

@raisingwildflowers Жыл бұрын

Thank you so much and welcome!

@GrannyLinn Жыл бұрын

You’re amazing!

@anniesshenanigans3815 Жыл бұрын

Food is usually the biggest variable for me. I spend about 200 a month on food... my roommate probably spends 400 to 600 a month (throws a lot away and eats out a lot). I do not have a mortgage but have the Florida taxes and homeowners insurance along with the annual termite fees, and other maintenance fees. We never turn on the heat since FP&L took over the local electric company.. the rates went way up! I have to say your budget is down to the bare bones for so many people. The best thing is to be debt free.. but most people don't think two minutes beyond the end of their nose.

@frugalorfrugalor3513 Жыл бұрын

Also, you can use credit card rewards to further save on your expenses. (just make sure you pay off the credit cards on time)

@CourtneyRobinson Жыл бұрын

Wonderful video.

@rachelday9585 Жыл бұрын

That's my normal monthly budget, with a house payment being 1/3 of it, give or take a little.

@FoxDenAcademy Жыл бұрын

Hi! I applaud your creativity in making sure things are getting paid for. I’m sorry your husband lost his job. I’m curious how your grocery bill is at $400 for 5 with 2 teens? I have 3 teens and a 9 year old and our grocery bill is outrageous! Also, kudos for being smart with your money and paying cash!

@Nisa-gm5wg Жыл бұрын

They are vegan and don’t have to purchase meat, however, you can still lower your groceries. We are a family of 5 (ages 54, 50, 23, 21 and 14) and my grocery budget is $500 ($100 of that is for stock ups for the pantry/freezer per month). I do an inventory of what I have at home, look at the adds to see what’s on sale and plan my meals around that. This has saved me so much money and I usually don’t spend all the money for the week.

@Katherine-zp4bq Жыл бұрын

Good that you got your first house cheaper and done it up. Also good that you don't have any debt. I to am working on having no debt. Then my plan is to save for a house deposit. I currently live in the UK. I rent a one bed house. It is over £600 per month.

@widowswatch6610 Жыл бұрын

You guys are doing a fantastic job!!!!!!!! Very impressive!!!!!!! SMART COUPLE!!!!!!!!!! You should think about buying another fixer upper and sell it. If you did it once you should TRY IT AGAIN. in the future. Real estate is great……👍👍👍🙂🙂🙂

@desertrat5543 Жыл бұрын

Here in Phoenix, we will have weather that hits afoot 115-118 degrees multiple times in the summer… we also have our heating at 80 degrees and it feels amazing when you come into 80 degrees from what is almost 40 degrees hotter. 😅 when we leave the apartment, we often keep it at 83 degrees.

@desertrat5543 Жыл бұрын

Not heating* … I meant air conditioning LOL

@desertrat5543 Жыл бұрын

Our apartment maintenance crew have often thought they misunderstood us when we said we kept it at 80 degrees, and they will often drop it down to around 73 degrees… warmer apartment is unfathomable for a lot of people