5 Ways to Live On One Income

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5 Ways to Live On One Income
In today’s show, we share 5 things you can do to make it much easier to live on one income. Many people believe that it isn’t possible for a family to live on one income these days, but that’s not true. A lot of our readers and viewers say they’d really like to stay home with the kids but they just can’t. Here are some easy tips to get you started!
In this show, we’ll share 5 things you can do to save money and live on one income too. And even if you keep 2 incomes, you can save a lot of money or pay off debt using these same techniques!
You might also find these videos helpful:
Ways To Save Money And Live On One Income
• Ways To Save Money And...
Living On One Income - Having Fun!
• Living On One Income -...
And here are some articles from our website:
Quit Your Job, Stay Home And Save More Money!
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Опубликовано:

23 авг 2016

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Комментарии : 141

@LivingOnADime 6 лет назад

Do you believe that a parent can still stay at home and still make ends meet? Read more here www.livingonadime.com/stay-home-save-more-money/

@rosaleeyoder5249 7 лет назад

When my youngest son was 13 .Our dryer quit working. I didn't have the money for a repairman or to buy a new one. So my son watched a few repair video, then we went to Lowe's and bought a part and a tool. $15.00 and 4 hours later he had my dryer working. That was 5 years ago and the dryer is still going. I love telling people this story, because I am so proud of my son.

@jakiaglenn2667 7 лет назад

Rosalee Yoder Awe so sweet. I enjoyed reading your story. You have a good son.

@val6937 7 лет назад

I enjoyed your story too

@evadiego5054 5 лет назад

Aman

@n.a.garciafamily 3 года назад

I am so proud of him (and you!) too!!!

@carolherbert1728 6 лет назад

I smile when you say you do not work...........staying home and raising a family and running a home business and dealing with a chronic illness you work harder than most women..........you are an awesome woman Tawra..........

@rosaleeyoder5249 7 лет назад

I was a single mom and raised my children on my own. By God's grace we made it. My children are grown now. I have no debt.

@LikeaBoss576 7 лет назад

i am watching you from Russia. Every video is like going back to good old days, when people were more genuine, kind, helping and understanding each other, less plastic and fake money (credit cards). I am 40 and know exactly how to live on minimum money or no money at all for long period of time, living of homesteading, fixing broken things and making new myself. I have no worries about money nowadays, but I have confidence in my abilities that I can get thru anything and I mean it. Good job for you two.

@LikeaBoss576 7 лет назад

And I like you Mom, she is very wise and strong woman. Good luck and good health to all your family.

@piakarlson8289 7 лет назад

I'm a single mom, And when my children was smaller I made the food on Sunday and froze in single per person. When they came home from school the grab a package and when I got home they were happy and not cranky 😊

@cheekysaver 7 лет назад

Ok, time to chime in. I raised my kids as a single parent after my Eddy passed away. The last few years on disability from a genetic condition I have no control over. . One day a few years ago something in me snapped and I knew to the depths of my soul there had to be a better way. It was like electricity going through me and I knew from that moment my life would be different. That I could choose for it to be different. Yes, I am single. I like it that way, I don't need someone to save me. Instead of being a burden on the food bank and other charitable organizations I donate to them. When Tawra said don't let being a single parent be a excuse I think what she was trying to say is don't EVER accept less because YOU are worth it. You CAN do this and it is absolutely possible. My journey began on a coupon site and like many on coupon sites it completely expanded from there. You get to choose where your better life begins too. When you get there I can't wait to hear your story.

@cheekysaver 7 лет назад

Swagbucks are awesome. I do well. They pay for birthday and Christmas presents for me.... Christmas is not a season to be broke.

@n.a.garciafamily 3 года назад

Hi Tobi! Just checking in to see how you are doing 🙂

@aliciamae14 7 лет назад

My husband and I do Dave Ramsey, and we have been debt free for 6 years and are a single income home. His car is paid off (9 years early), and my car we paid for cash. The car dealership (previously owned) had never seen someone pay $6000 cash before. It was so satisfying. lol. Also we both wear clothes forever, and only buy "new" clothes (from the thrift store) out of necessity. We are Christians too, and live in CO (based on Buckley AFB) and I absolutely LOVE your channel. I'm getting all sorts of tips! Give that sweet hubby a hug, he looks like a keeper. 😉

@mrs.adkins4452 7 лет назад

Tawra and Mike, Just a few words for both of you. I have been watching for the past 8 or 9 months, I am a retired senior citizen and have learned so much from both of you,* Please keep up the good works,,,I have told all of my friends and relatives about your programs and tips; Good Luck and thumbs up to both of you!!!!

@tonyawalker8671 7 лет назад

LOVE this! I'm a stay at home homeschooling mom of 5 under 11. I was just telling my mom how I know I've saved more for my family than I could have made at any job. Agree with you 100%! I just need to work on eating out less (even though we have cut back a lot)

@piakarlson8289 7 лет назад

I live in a rental apartment because I have fibromyalgia and are working full time. I just crashes when I get home, and a house needs more maintenance than I can coup with. It's a blessing to be able to call the maintenance guys when things aren't working 😃

@Iheart2cook 5 лет назад

When my kids were young, my husband and I worked different shifts so the kids could stay out of daycare. Later I switched to part time and then eventually home full time. In all the scenarios, part time was our best option. I still got insurance for our family and no daycare expenses. This ended up saving us so much $. We did all the math like you presented here. Everyone needs to consider all options for their family. Nowadays, my husband is actually home with the kids and I am at work full time. This works now for our family. Who knows what the future will hold. Thanks for sharing this!!

@m1975cl 7 лет назад

I do get what your saying, I was in a position where it didn't make sense to go back to work after my kids were born and frankly I didn't want too! But we needed to do more than "save money" or not "spend money" because we didn't have enough money coming into the house to cover the very basic costs of living like rent, and food. So to bring more money into the house I had to do tag team parenting with my husband, I worked nights while he worked days, so we could afford medicine, student loans and clothing for our 2 children. We didn't have cell phones or anything. So there is the situation of needing to bring cash into the house. I took the bus to work at night, and my husband walked to work during the day, he took his lunch and we didn't have jobs where we needed to wear nice clothes. So there is this third option of tag team parenting that a lot of people are doing, it's a popular choice for avoiding the high cost of childcare and always having a parent home to cook dinner.

@mariagar5758 7 лет назад

I Love your advise! Seriously, most people nowadays don't understand the old saying "a penny saved is a penny earned"! Keep up the good work...😄

@katiemartell6520 7 лет назад

You and your husband packed a lot of wisdom into this video. My husband and I are about 20 years your senior, and our kids are grown. I quit my job in April and had a serious traumatic injury in June. My husband and I are doing good on just his income although I do have a pension from my civil service job, and he has a pension from Boeing. We gave really slowed down on luxuries, like espresso, dining out, etc. Thank you for your great advice! A happy subscriber.

@MoonstoneSister 6 лет назад

Thank you for sharing your wisdom. My husband recently lost his job and it’s been an eye opening experience. In fact, it was pretty terrifying...but you have helped me rethink how I spend money. And now I realize how I didn’t respect they money we had. On the upside, learning how to make my own laundry soap, meal planning and giving up paper towels has been a learning experience and oddly exciting! Thank you for your brutal honesty. Love you both!

@wynnkidsnannylorivance4111 7 лет назад

I get that it takes a long time to sort through clothes at my local thrift stores....but geeezzz.....even though we don't often find the plus or big and tall sizes he and i need, the girls are never a problem to dress there and for next to nothing!....the winter coat swap means they get to pick out new beautiful winter coats every fall....sometimes, LEATHER coats for free! always able to find the very expensive sneakers for like 3 bucks.....pajamas....skirt suits, everything but underwear which i buy new every fall....for 20-25 bucks, TOTAL, everyone gets new undies thanks to the wal-mart summer mark downs. i buy make up and colognes once a year in january at the wal-mart after christmas sale.....for around 15 bucks, i get enough to last all year.

@janetlola8887 7 лет назад

I love you too you think like me. We are in England but the same principles of budgeting applies. One thing I dont do is second hand shoes for children as good fitting shoes are important when a child is still developing .x

@normamason3185 7 лет назад

I am selling my house for a couple of reasons and moving to a different state. I am planning to leave all the furniture behind. My Kitchenaid mixer, my crochet hooks, my sheets and towels, as well as clothes are about all I plan to take. I totally agree about "hauling it all over the place".

@TheJuliedew 6 лет назад

I completely agree with you about the cost of mom working outside of the home. However, for those of us who have older kids (no day care), and don't buy anything we don't need (my coffee is made from home, etc.), still cook at home, still grocery shop, don't go out to eat eat, etc, the cost of work is the car (which I know is huge) and clothes (I buy all thrift store and spend about $150 a year on clothes), we still come out ahead. I did stay home though when the kids were little and even worked in the school district when youngest started school so I still was home when they were home. They were worth it, and day care would not have been worth the cost! We have considered moving closer to my job I have now to get rid of my vehicle, but we have not done that yet/ kids don't want to move too far from church, but yes, the car is our biggest expense with my working. Mind you, I do have a good paying job (about $45 an hour part time), so I think we do come out ahead, but you have to be really mindful to not change your lifestyle when working outside of the home.

@samanthajacobo890 7 лет назад

I just spent 5 bucks on a coffee and bagel😓 as I'm watching this. I've been watching u guys for a week now and I love your commitment to the lifestyle that u live. my husband and I are also on 1 income bc I am in college full time. we are working out a weekly budget but it's hard😣😣😣😧. you guys are great!

@JPonyB 7 лет назад

my husband and i have 2 kids, another on the way. weve been pretty good about maybe eating take out 1-2 times a week, but ive decided to cut that out. he also brings leftovers for work. we both own our cars, 2002 and a 2005. we both dont drink coffee and im trying to get him to cut down on his energy drinks he has one a day, but they are so expensive. i also cloth diaper and make all my cleaning products. we both have school debt. i stock up on toiletries doing coupon deals which i can find online before u spend the money on the sunday paper. we have been renting for 4 yrs and are in the process of closing on our first home! i plan on buying any furniture we need used and painting it if i need to. it is possible, it takes some sacrifices, and im still looking for ways to still cut back and save. every penny counts!

@MsGhost87 7 лет назад

Hello Tawra & Michael 👋 I agree 100% with all your tips! My fiance has one pair of work pants, he works in an office & once in a while he will work in the warehouse, but he never gets his pants dirty so I only have to wash them twice a week. Washing clothing every day will wear them out, so just throw them in the dryer to freshen them up the next day & their good to wear again 😉 The one thing we are trying to work on now is eating out! It's CRAZY how much it adds up! Also, keeping an eye out on the DI (Desert Industries, Utah thrift store) & Good Will.I have the worst luck in finding pants, but I will not give up because I will NOT pay $75 for a brand new pair of pants! Anyways, great video, as always! I love all your tips! Take care & I'm glad to hear you're feeling better 🌸

@papermason 7 лет назад

I can't justify eating out when I have a full fridge and pantry at home. I used to cook professionally which really helps with making beautiful but very cheap meals.

@patriciadudzik6440 7 лет назад

Yes can see you and hear you

@2newhobby146 7 лет назад

Love the way you two interact, enjoy watching you two tag team :)

@cynthialindblom2490 2 года назад

In H.S. my son begged for Jinco Jeans that almost all the guys were wearing. I got him one pair and after wearing them a week he realized he hated them. I explained how he could have gotten way more clothes at the thrift shop and looked way cooler. He discovered Vintage and realized he loved 50's style. Soon others at school were imitating his style!!

@pawsnotclaws2772 4 года назад

You guys are so smart!! Watching these has changed my life

@scottheitman9548 7 лет назад

she's making enough to hire someone to care for her kids, treat her family to eating out twelve times per month, eat lunch out everyday and have her coffee served to order every morning. Sounds like a dream life.

@kaya604 7 лет назад

... excellent tips and ideas for budgeting :) tyvm ... God bless and prosper your talkshows

@RainCountryHomestead 7 лет назад

O man, sorry I missed the live stream! I would have loved to have been a part of chat for this. Catching up now though! Thanks for all your great content!

@jo-annmacneill6454 7 лет назад

yes

@julsjewels3185 7 лет назад

Yes, grab and go food is important for those of us who work. I totally stopped grabbing breakfast and cut down on lunch out. It adds up !!!! I eat out maybe once a month!!

@mindywatkins3219 7 лет назад

love your videos and tips!! my husband and i watched a video on how to fix the washing machine and saved $$ not having to call the repair man! we're not handy people but we were so proud lol! thanks

@marywarren8357 7 лет назад

Thank you for all of the great advice!! :)

@kristymichas7015 7 лет назад

So happy to hear your new supplements are helping you!!!

@kippytx 7 лет назад

I love your videos. I am disabled. And have been on disability for many years. But their are so many women who MUST work --as they are the only parent. I do understand your point though that you were making.

@LivingOnADime 7 лет назад

Yes, I get that. This is about living on ONE income not NO income. I think a lot of people are missing that point. As I said we are talking about people who think they "have" to live on two incomes.

@SherryMH 7 лет назад

Kept putting it off....but I finally bought your recipe book! :)

@lynnf9219 7 лет назад

I love these videos!!!😍

@kerryjames4026 2 года назад

We appreciate you

@beulahspurrell906 5 лет назад

Love your channel

@patriciadudzik6440 7 лет назад

Oh good I'm glad you are better

@jessicacanfield5408 6 лет назад

I hope you still look at the replies on old videos. On new.vs old cars, I think if you.are taking your car to the.shop every month or so you need a new or new car.

@kerryjames4026 2 года назад

You right honest

@TinyHouseBigMusic 6 лет назад

Would you be willing to share how you are planning for retirement, pay for your health insurance, and build your savings? Our children are grown and on their own. My husband is a self-employed musician, and I essentially only work to help pay into our retirement plan, buy our health insurance, and build up our savings. We track our expenses very carefully, we don't eat out, we pay cash for our cars, we buy used whenever we can, and we DIY everything (including our tiny house!) :)

@rosepreston4830 9 месяцев назад

I got you beat, mine started at the age of 12 with the 1314 size shoot and he is now next 18 years old.

@wynnkidsnannylorivance4111 7 лет назад

my 3 new cars were in the shop more than on the road.....and many of those repairs were not free because it was stuff not covered by the warranty....hhhmmmm, imagine that! my current car is 15 years old...i got it used.....we have only put about 2,000 in repairs in the 10 years we have had it! yeah...not buying a new car EVER EVER EVER EVER EVER AGAIN!!!!!!!

@mamaluvs2craftalder41 7 лет назад

You have such great advice. Thank you. I ordered you'r book and I can't remember which one it was. lol. But I can't wait til it comes in. I got it for 50 percent off. Yay!!!

@SelftaughtSoftwareEngineer 7 лет назад

I think you should not look only at someone who's not handling their finances efficiently to make the case for a stay-at-home mom. I have nothing against stay-at-home moms. But I'd curious to know about the case of a frugal working mom.

@michaeljones9692 7 лет назад

Looking good!

@judemathieu7090 2 года назад

This video just showed up as suggestion on November 2021!

@karlareal9887 7 лет назад

I love your videos!!! :D

@TheJuliedew 6 лет назад

Clothes- we ask for grandparents to give jackets and boots for birthdays. This saves us money, and they know we are fine with used items.

@joycelee1538 6 лет назад

Yes. Please do a you tube video of different jobs for stay at home wives. I am currently unemployed and would benefit from the income.

@katiethomas5889 7 лет назад

Glad you're feeling healthier :D

@NinasHere4U 7 лет назад

I would also love to learn about becoming a VA

@cathycombs414 7 лет назад

Thanks for video...also I love your glasses...very pretty ....

@shannonscrazyhouse877 6 лет назад

I could shop off season and that helps a lot if I go to goodwill the pants are 10$ and shirt are 5 and that’s to much for me Walmart dose shirts for 2$ on sale and pants are 10-13$ and I think that’s ok for me I’m already at Walmart and goodwill is across town but I will go there for the big stuff there is a little church store they are ok but a little high too

@jenniferg1484 7 лет назад

We're in CO.

@dmdohse55 7 лет назад

my mom told me retaurants are expensive and eating out most places were not good even the fast food placesare high and are schimpy portions l liked cracker barrel would goon sundays one or 2 days a month and its a long way to get there alsoand they would lose our ticket and some places would not care if you got your food or not soooo its better to just stay at home cook yr own but when you said somebody spent there whole yrs salary to eat out 22000 dollars thats crazy some pple do do that or get tired of cooking a lot of places have closed up because they retired

@michellesunshinestar 4 года назад

My mom did both, sometimes work, sometimes not. Generally though she did want to stay at home.

@loosieloo6269 7 лет назад

I'm a big believer in do it yourself..

@patriciadudzik6440 7 лет назад

hi guys good to see you

@kerryjames4026 2 года назад

When there's a clearance eg our washing machine had broken down for three years I waited for clearance in washing machine $468 delivered new two years warranry

@davidahart2476 2 года назад

Eating out is my big issue, it's the convenience. It's like I don't know how to cook, my parents taught me.

@jenniferg1484 7 лет назад

Nice Monty Python reference. Love the breakdown of how much it Costs to work.

@PolaInPoland 7 лет назад

I would add one more thing: Sell your junk. If there are things lying around like clothes, toys, shoes etc, sell them. There is no point in keeping things that you don't use, because you just add work for yourself to clean and arrange them.

@KarenllovehowyouyourjournalSch 7 лет назад

love your chanle.

@sissy55ful 7 лет назад

I cook meals so fast and healthy at home, I use my electric pressure cooker. So easy to do and yummy.

@buttermilkbaysoap9416 7 лет назад

I love your glasses. Can I ask what they cost?

@lauriestewart3700 7 лет назад

Who carries health insurance? Very important.

@SabrinaSauce 6 лет назад

If the offer still stands, I would love to be your VA. I am 21 years old, in college (it does not start back up until the 16 of next month) and I have no kids. I have lots of time that I usually spend just studying self-reliance. Please let me know, thank you.

@jessicaneal8553 6 лет назад

I'll be praying for you guys to get your dream house :)

@rachelspohn 4 года назад

I caught the Princess bride quote! 😉

@LivingOnADime 4 года назад

LOL

@appletinImom0f5 7 лет назад

zenni optical is the cheapest online site i found and they do a great job.. The frames have last even my roughest of the rough kids...

@appletinImom0f5 7 лет назад

got frame and lenses under $20

@debbievandercook9669 7 лет назад

Did you cut Mike's hair? It looks good!

@leeannwicker937 7 лет назад

Working can pay if you are thrifty while working. I did it. No lunches out, no meals out, stopping at thrift stores while in town, but and its a big BUT I did not have young children so no day care. Day care would have tipped the scales into staying home.

@dmdohse55 7 лет назад

well l worked for my health insurance whichwas good and some pple work for money to go on vacations and maybe get something new once in a while is all

@clkingtx 7 лет назад

I love watching the two of you interact, your personalities complement each other very well! I could definitely use a new pair of glasses, I am like you, Tawra, my eyes are terrible, so glasses for me are always more expensive.

@aliciamae14 7 лет назад

Carrie King look at Zenni optical online. Cheap prescription glasses, that's where I buy all of mine.

@wynnkidsnannylorivance4111 7 лет назад

200 to mow grass? I'm in the wrong biz clearly! that's crazy!

@evadiego5054 5 лет назад

Would a job be worth it bc of a 401 K? I haven’t check but what’s your retirement plan? Thanks for all your help.

@LivingOnADime 5 лет назад

You can always contribute $5500 to a Roth IRA depending on your income level of your spouse. Both you you can do this outside of a 401K.

@jessicadoland8433 3 года назад

If you have a partner, it is definently worth being home and being with your babies The only downfall to it is that raising children is only a season and when the kids are gone, you still have an awesome retirement.

@annamann5949 5 лет назад

I work for insurance. To go through my husband's job it would cost way too much. What do you do for insurance?

@LivingOnADime 5 лет назад

We use a medical share program.

@annamann5949 5 лет назад

I'll have to look into that. Thanks!

@garcias731 7 лет назад

I would love to be entered in the USA Glasses giveaway. My son, daughter, husband and I wear glasses. It's a big expense! Thanks!

@peggy1046 6 лет назад

Thank you again great video

@adeleetherton2665 5 лет назад

Someone gave me 20 pairs of well known brand jeans in many different sizes. My son got two pair in his size and I felt like I was selling jeans from the back of my car. I had them in the trunk by size and would offer them to anyone who was interested. When I was done, i took them to a thrift store.....

@charliealexander1096 7 лет назад

You tell them. I did it and anyone can.

@kelleyjerred8032 7 лет назад

wish I needed super long pants instead of super wide ;) lol

@appletinImom0f5 7 лет назад

walmart clearance only

@appletinImom0f5 7 лет назад

Get clothes for like $1-$3 new and walmart dose have long slim short husky stuff so still cheaper then going other places..

@shannonscrazyhouse877 6 лет назад

Yes that’s what I do and it helps me a lot

@sharonhamilton1470 7 лет назад

I am looking to be a virtual assistant...where would I apply? I have a degree and my children are all but grown. (13 and 18)

@LivingOnADime 7 лет назад

Actually a virtual assistant isn't a robot. It's person who works from home via the Internet and usually helps people with with Internet based business but not necessarily.

@LivingOnADime 7 лет назад

Well some bloggers put the word out they need help. There are some virtual assistant companies that you could apply for but I'm not sure which ones. You would just have to research it.

@momof5312 7 лет назад

I live in California and we both have to work for our mortgage. I have been really watching my money and my mom helps with kids for free. So when I say we both have to I mean or we would lose the house. I get what your saying but I don't believe everyone could live on one income. I really want to try to pay it off sooner. Also I have a daughter with special needs and my job is the one that has good health insurance not my husbands.

@sandy-ke1kr 7 лет назад

What if you move from California? If you sold your house you could probably afford a good home that cost a lot less in another state.

@jessicaneal8553 6 лет назад

Could you look through the numbers to see if your husband could stay home? Though I suppose if your parents can help, that is truly wonderful.

@gracelake2062 7 лет назад

Good morning guys i fixed my speakers so i finally heard the show. It was awesome as usual. Could you give some pointers on living with pets on one income.. We recently recused 3 kittens but one died because we could not afford the vet. Thanks so much!

@rondalrkbuilders2262 7 лет назад

You can wear jeans more than one time as long as they aren't really dirty. it's better not to wash them so often.

@ilanae5179 6 лет назад

How many vegetarian recipes do you have in the cookbook? Is it mostly meat?

@LivingOnADime 6 лет назад

40 meat recipes out of 500.

@maureenl4927 7 лет назад

do you have any soap making vids?

@LivingOnADime 7 лет назад

Yes, I have a few on RU-vid and several on Facebook. Just click on the videos. facebook.com/livingonadime

@lindarussell9379 6 лет назад

👍

@levimissy11 5 лет назад

I am a stay at home mom and It is cheaper to for me to stagnate home but I am looking for some resources for making more money. We own on nothing, not even our home. So our bring home money is $2,400 a month for 2 adults, a 2 yr old and I'm 7 months pregnant. We have short fall of 800 to 1,000 a month I'm looking to be a resaler on facebook. We want to buy wholesale name brand household items for 40% off retail. I do have a tax ID and in Kentucky. Thanks love the channel

@rosepreston4830 9 месяцев назад

❤

@beckyfischer7025 7 лет назад

I would love to get the $100 credit from Glasses USA. I am in need of new glasses and this would be wonderful to receive. I also like their guarantee. Thank you.