I’ve written just a few weblog posts about the way to reside on a sure sum of money over time:

And the primary query I get on these posts is how a lot wouldn’t it price to reside on right this moment? 

Completely honest query! 

Even after extreme inflation over the previous couple of years, in 2025, you may reside on as little as about $1,200/month, which is $15k/12 months! 💯

Wanna understand how? Lemme let you know all my secrets and techniques and tips and present you a pair actual choices on the way to reside on $15k/12 months in 2025…

The right way to Stay on $15k/12 months in 2025

In our tradition proper now, there’s a lot struggling occurring. So many individuals are struggling. Incomes went down after COVID and inflation hit HARD. Groceries are about double the quantity they was pre-COVID and it stinks.

With incomes taking place (or staying the identical, at greatest), not up, so many individuals are pressured to reside in dire conditions and are struggling severely. 

My coronary heart really goes out to you should you’re struggling. I understand how onerous it may be. The way you’re in survival mode for years and it could possibly turn into such a frightening factor to cope with. It makes you need to hand over, it could possibly result in bitterness, and collectively, a lot of society has believed that God has left or deserted us. He’s simply not there.

That’s a lie from the enemy! God is completely there and I can show it!

Hebrews 13:5 and Deuteronomy 31:6 each say very clearly that God won’t ever go away us or forsake us. By no means means by no means. However if you need additional proof of it, check out Malachi 3:6. 

God by no means adjustments. In the event you felt He was with you earlier than, He’s nonetheless there. He hasn’t left. 

“So why does it really feel like He has left then?” somebody may ask.

First, we can’t base reality off of our feelings. Feelings change with the wind, particularly should you’re feminine. Our hormones can generally make our moods and feelings all around the map, generally all in in the future! 😬

So what separates us from God? 

Isaiah 59:2 tells us that our sin separates us from God. He hides his face from us, He doesn’t hear our prayers (James 5:16). This doesn’t imply each time we commit a sin or are performing in an unrighteous method He leaves, but it surely does imply, if there’s unrepentant, routine sin, He’ll conceal from us. 

We must be proper with God, then He won’t conceal from us, and we cannot solely be reconciled to Him, but in addition reside a contented and fulfilled life as we search to place Him first in all that we do (Matthew 6:33).

In the event you’re not in sin and also you’re proper with God, you may make sure that He’s there, main and guiding you, ordering and directing your steps (Psalm 37:23).

Whether or not you’re in routine sin or not, you’re proper there within the palm of His hand. He loves you so very a lot! ❤️

And should you’re crying out to Him since you’re scared or undecided what to do, you will be assured, He’s even nearer to you in these moments (Psalm 34:18). 

Both method, He didn’t go away. He’s proper there with you, strolling with you, wanting to assist (Jeremiah 29:11)!

How does He present you He’s there?

Perhaps you’ve prayed, asking Him for assist, and He’s bringing you to this submit sovereignly, understanding this submit will assist you not directly! I really hope it does. 🤗❤️

So, let’s get began!!

The particular quantity that you just reside on might differ from these choices under, nevertheless, the purpose of this submit is that can assist you to do as many issues that you weren’t beforehand conscious of, with a purpose to get your dwelling bills down additional, all whereas offering you with NEW sources that can assist you save large quantities of cash! This gives you extra choices. Undergo and decide and select which choices and concepts will greatest match for your loved ones particularly. 

To reside on $15k/12 months, your precise payments can appear like one in all these two choices…

Possibility 1: Low-Revenue Flats

• Hire: $593
• Gasoline: $30
• Energy: $75
• Water/Sewer/Rubbish: paid by residences
• Automotive insurance coverage: $108
• Web: $55
• Telephone (iPhone): $35
• Groceries: $300

Whole dwelling bills: $1,196/month

Hire: It actually relies on the place you reside as to the precise costs, but when you want to transfer half-way the world over with a purpose to have a very good life and reside beneath your means, it might imply doing that for a short time till you’re in a greater place financially. At Crestview Commons in Klamath Falls, OR, you may get a one-bedroom condominium for $593, a two-bedroom condominium for $798, and a three-bedroom condominium for $914 as of 2025. They’re low-income apts however they’re good. The deposits are the identical because the hire and every condominium has a washer and dryer inside the unit itself (whole rating) and a patio/deck with ample out of doors space for storing (I used that closet to retailer resell objects again after I was reselling bodily objects). The residences embody water, sewer, and rubbish. There’s two rubbish stations by way of out the residences, loads of house in your wants.

There’s additionally some choices on Realtor.com in Portland, OR for $600+ hire for one-bedrooms. I’m undecided if they’re in secure neighborhoods although, as I’ve by no means lived in that metropolis earlier than.

Automotive insurance coverage: My automotive insurance coverage is critically excessive proper now and I’ve it on my to-do record this month to name round and see if I can get it decrease, however that’s what I pay proper now. Hopefully yours is cheaper! 😊

Web: Web is $55/month in my space. In the event you don’t have a modem, that’s a further $17/month. What I do is ask the telephone/web firm what precise fashions of the modems they use are after which buy them cheaper on-line and purchase them outright, so I’m not paying their exorbitant charges to purchase the modem and I’m not caught with a month-to-month leasing time period on that both.

Energy: Ensure you undergo my free training on how to reduce your power bill. I discovered immediately by way of the facility firm themselves, so it’s a number of data that’s related and works the very best!

No debt: The very first thing you may discover is that I don’t have any debt. That is true. I’ve been very blessed in all my single years, to not have any money owed to pay. I’ve labored extraordinarily onerous to reside on ONLY what I herald and never a penny extra. If I didn’t have the cash, I didn’t purchase it. And being extraordinarily frugal, I’m good at getting all that I need on a really tight earnings.

Automotive: The subsequent factor you may discover is that I don’t have a automotive fee. My automotive is paid for, I don’t have a mortgage on it.

Satellite tv for pc TV: I don’t personally have satellite tv for pc TV. There’s a boatload of choices to look at TV for FREE on-line these days…

• YouTube movies (you may watch absolutely anything right here, however they do have a free film part too!)
• TubiTV (you may watch issues like Littlest Pet Shop here)
• Pluto TV (you may watch one in all my favourite exhibits, all seasons of The Andy Griffith Show here)
• Amazon Freevee (a lot of nice choices there)
• The Roku Channel (try Sonic!)
• Plex TV (just a few good ones to take a look at on listed here are: His Girl Friday, Penelope, Just My Luck, Growing Pains (Kirk Cameron! ❤️), Garfield and Friends, A Walk to Remember, Penny Serenade (by no means seen this one but, but it surely’s on my to look at record!)
• Hoopla (films to take a look at: It Takes Two, Nancy Drew, Raise Your Voice, She’s All That, 16 Wishes, Food Inc 2, Serendipity, Zapped, Radio Rebel)

*All of them have dangerous choices on them (scantily dressed ladies films), so while you’re in search of films to look at, make sure your husband and your youngsters will not be within the room. Then simply bookmark the pages of the flicks, so you may watch later with them. I gave some hyperlinks to chop by way of a few of that and get you began immediately! 🥰

Groceries: I am going by way of Instacart for groceries and my invoice is about $300/month (you may learn how to get your groceries FREE here), but it surely may be extra for your loved ones and it may be cheaper for you should you don’t undergo them and also you’re single like me. In the event you qualify and also you want it, you may apply for Meals Stamps and WIC to assist cushion the blow of meals additionally. There’s nothing improper with being on help while you want it. Simply don’t make the most of the system and get off as quickly as you may. 😊

Roommate: For this feature, you don’t have a roommate, it’s your individual condominium!

Gasoline: Gasoline is fairly low-cost for me, as a result of I don’t actually go anyplace at this level (all the pieces is delivered to me and I get cheaper costs on-line than in shops). I make money working from home on this weblog and in my faith-based printables store, so I’m not working round lots. I homeschooled my youngsters once they had been dwelling, so didn’t need to take them to high school each day. At any time when I’ve to run errands (or go to church, and so on.) I plan journeys the place I do all of the errands within the neighborhood on the similar time.

Possibility 2: Furnished Leases

• Hire: $700
• Gasoline: $30
• Energy: paid by rental
• Water/Sewer/Rubbish: paid by rental
• Automotive insurance coverage: $108
• Web: paid by rental
• Telephone (iPhone): $35
• Groceries: $300

Whole dwelling bills: $1,173/month

Hire: It actually relies on the place you reside as to the precise costs you see, however even when it’s a must to transfer to a different metropolis or state when you’re in monetary despair, it might be value it till you may afford extra. Furnished Finder is an AH-mazing useful resource wherever you’re at in your journey although, particularly should you’re single. Every place will fluctuate in price and deposit. Some can have cleansing charges or software charges on them, which you don’t get again. That is thought-about non permanent shelter and you’ll keep anyplace from one month to years, relying in your explicit landlord and what you’re employed out with them. Within the Furnished Finder I’m dwelling in at present, I’ve been right here a bit over 3 months and don’t have any plans to maneuver within the subsequent three months nonetheless. 

The neighborhood is tremendous quiet so I can get my work completed and the owner is superb! There’s safety cameras all around the property and I’ve a full-size fridge and dishwasher within the unit. There’s no range, however I do have an induction burner sizzling plate (which works method higher than I believed it will!) and entry to the washer/dryer anytime I need. It’s snug and all the pieces within the place is top quality. 

This can be a REALLY nice website to seek out one thing, as a result of it’s cheaper than a motel and you’ll actually journey the world, journey to the ocean, and so on. dwelling in other places you discover off that website! The location is initially supposed for touring nurses, however anybody can hire a spot by way of them (they normally ask what you do although). 

In the event you want cheaper than $700/month, there’s an choice in Starkville, Mississippi for under $539/month and it appears good. The most affordable states to seek out one thing are: Mississippi, Oklahoma, Kansas, and West Virginia. Different states which can be decrease than the nationwide common are: Missouri, Iowa, Tennessee, and Nebraska.

Your keep might not be as good should you undergo somebody with out not less than 1 evaluation, in the event that they’ve been on Furnished Finder for not less than a 12 months. If they’ve like 0 opinions and have been on there for 3 years, I’d personally move, simply to be secure. One Furnished Finder I stayed in was SOOOO chilly (50’s) in the course of the day AND at evening in the course of the winter. They gave me 3 heaters to make use of and I used all of them, but it surely solely stored the room to 60’s when the warmers had been capable of be on (couldn’t run 24/7) and I couldn’t take it and needed to go away. They didn’t have any opinions. The one I’m in now has opinions and I’m tremendous completely happy and comfy right here. 

When in search of a spot, I select “complete place” in search outcomes. It’s normally issues like a studio condominium over their storage or mother-in-law unit they hire out. There are alternatives for roommates too on the positioning, so should you go that route, it’s even cheaper. Some folks hire out their RV’s too, so there’s a lot of completely different choices, relying in your wants. It’s probably not a very good useful resource for somebody with a household, but when it’s simply you or simply you and your partner, it’s an ideal choice for a short time. Until it can save you cash and get a spot of your individual. Do not forget that that is only a season for you, it’s not eternally and never having any utilities is an enormous bonus and it’s absolutely furnished areas, so that you don’t need to have something like kitchen hand instruments, eating tables, pots/pans, and so on. They even begin you off with soaps, trash luggage, and all the pieces so you actually don’t want something however your suitcase! 

You probably have an area you may hire out to others, it’s an effective way to make some further earnings for your loved ones as properly (!!!) which could assist you be capable to survive your monetary state of affairs within the meantime. Because you don’t need to hire it out eternally, you may simply do it for a 12 months or so, until your funds are higher, no drawback. However it may be an ideal choice too, just like Airbnb, however extra long-term than that (1 month+).

Freebies by mail: In the event you reside in a Furnished Finder place for just a few months and plan to remain a bit (and the owner enables you to get mail there- they normally do), you may fill out a transferring card with the USPS. When you’ve got your mail forwarded, USPS provides you a number of freebies and reductions at firms. I acquired a free full-size 2-topping pizza at Figaro’s Pizza and I gotta say, their pizza is legit. The pepperoni pizza is SOOO good; the very best I’ve ever had! ❤️ A grocery retailer additionally despatched me a $10 coupon off my groceries. That is one other nice solution to get some freebies with every place you keep at! 

Automotive insurance coverage: My automotive insurance coverage is critically excessive proper now and I’ve it on my to-do record this month to name round and see if I can get it decrease, however that’s what I pay proper now. Hopefully yours is cheaper! 😊

Utilities: NONE! All utilities together with energy/fuel, water, sewer, rubbish, WIFI, and even TV with streaming are all supplied by the owner on this choice, making life tremendous easy. 

No debt: The very first thing you may discover is that I don’t have any debt. That is true. I’ve been very blessed in all my single years, to not have any money owed to pay. I’ve labored extraordinarily onerous to reside on ONLY what I herald and never a penny extra. If I didn’t have the cash, I didn’t purchase it. And being extraordinarily frugal, I’m good at getting all that I need on a really tight earnings.

Automotive: The subsequent factor you may discover is that I don’t have a automotive fee. My automotive is paid for, I don’t have a mortgage on it.

Groceries: I am going by way of Instacart for groceries and my invoice is about $300/month (you may learn how to get your groceries FREE here), but it surely may be extra for your loved ones and it may be cheaper for you should you don’t undergo them and also you’re single like me. In the event you qualify and also you want it, you may apply for Meals Stamps and WIC to assist cushion the blow of meals additionally. There’s nothing improper with being on help while you want it. Simply don’t make the most of the system and get off as quickly as you may. 😊

Gasoline: Gasoline is fairly low-cost for me, as a result of I don’t actually go anyplace at this level (all the pieces is delivered to me and I get cheaper costs on-line than in shops). I make money working from home on this weblog and in my faith-based printables store, so I’m not working round lots. I homeschooled my youngsters once they had been dwelling, so didn’t need to take them to high school each day. At any time when I’ve to run errands (or go to church, and so on.) I plan journeys the place I do all of the errands within the neighborhood on the similar time.

Even should you make greater than $15,000/12 months, you should still need to reside on much less…here are a few of these causes:

• To simplify your life and make life simpler. Issues get actual easy if you find yourself dwelling on much less. These fancy automobiles, quick meals tabs on a regular basis, elaborate homes, all of them disappear as compared. You begin to understand precisely how little you REALLY want with a purpose to make it by way of life. THEN, while you do have extra, you may admire it all of the extra! 😍

• To get out of debt. Many individuals intentionally reside on much less with a purpose to get out of debt. That is, for my part, extraordinarily clever. In the event you’re critical about getting out of debt, you’ll must make some drastic adjustments. Whereas that might not be dwelling on $15k/12 months, it might be dwelling on half your earnings. In case you are married and also you each work, attempt attending to the state of dwelling the place you’re not dependent upon each incomes, however just one. If one partner makes $2,000/month, this implies you’ve got $2,000 to placed on debt! You will get out of debt tremendous quick that method after which when you ARE out of debt, return and get your good home once more, get that good automotive, simply pay money for the automotive and hire, so that you just’re not getting BACK in debt!

 • To retire early. Outdoors of kingdom work, who needs to work all their life? Not me! There was a purpose I labored 80+ hours every week for these 4 years. In order that I can present for my household as a single mother, making good cash and getting someplace. Put cash apart to purchase a home or automotive with money, to place away for school in your youngsters, their automobiles, my retirement, and so forth. Work onerous now, so that you just don’t need to work so onerous for the remainder of your life.

• To organize for emergencies. What should you or your partner had been laid off at their jobs? What if a pure catastrophe overtook your property? There are 1,000,000 and one issues that might occur and having a pleasant, well-stocked financial savings can drastically assist in the occasion of an emergency.

• To organize for youths. Some folks wish to reside on little with a purpose to put together for having youngsters or adopting. Whereas I really feel youngsters are cheap to lift (see my submit on how I get my kids clothes completely free here), they nonetheless do add to the bills every month. You may want a much bigger home with extra bedrooms, a much bigger automotive, extra meals, and so forth. Saving now to arrange for these bills is smart. As for child tools, simply don’t purchase new and also you’ll save a ton (you’ll need to purchase the crib and automotive seat new for security causes although). I used to go round yard saleing to collect up all I wanted after I had my two little ones.

• To begin your individual enterprise. Relying on the enterprise you need to begin, it could possibly turn into very pricey. Running a blog might be one of many least expensive companies to get began in, but it surely requires funding simply the identical…in your time. You must construct it. It can be very profitable. Inside 1 12 months from my beginning a weblog, I was making $10,000/month! I’m not saying that’s regular, however I’m saying, it’s doable! 

The right way to get your price of dwelling down and the way to spend much less cash on no matter earnings stage you’re at:

• Don’t use any bank cards. You don’t need to incrue any debt. Being debt-free lets you have a very free way of life.

• Pest management. Don’t pay $125/quarter for a pest management firm to return and spray the outside of your property! I can let you know the exact product they use! It’s a focus, so that you simply combine it with water and spray and it really works AWESOME! I like these things! Better of all, it’s solely $40 and the bottle lasts like eternally! Simply you should definitely use gloves while you combine and spray it. After you spray it and it dries, it’s secure for pets and people, so you may even spray it indoors if wanted in sure spots. 

• Discover and use the most affordable mobile phone service you may. Net 10 is a superb pay as you go service and should you don’t use your telephone a lot, the pay as you go playing cards can final you 3 months! Final time I used their service, it was $30 for a telephone card, which lasted me 3 months, so $10/month. Now, I’ve my iPhone, however the service could be very low-cost and I’m not on a contract in any respect. It’s MY telephone (once more, paying money for what I need).

• Use money again websites like Ebates. You’re going to spend the cash anyway, may as properly receives a commission to buy! In the event you don’t have an account, you may enroll here and get a free $10 present card! To obtain your free present card, simply make one buy of $25 or extra they usually have each website I store at on there, so it’s very simple. I put a sticky observe on my pc so I bear in mind to undergo them first. I’ve been with Ebates for about 5 years now and have earned to-date $7,236.84. They’re a pioneer within the money again trade and I extremely suggest them!

• Negotiate your payments. Do you know that you are able to do that with a few of them? You completely can. Negotiate bank card payments, all the pieces, and get that DOWN!

• Use free budgeting software program and monitoring providers like Personal Capital. In the event you don’t have a pre-set price range, you’re useless within the water earlier than you even begin. You must inform your cash the place to go every month or it likes to spend itself!

• Meal plan. Like budgeting, it’s a must to inform your meals what to make or it could possibly take over your bills. You’ll exit to quick meals an excessive amount of, good dinners, and so forth. Having a meal plan arrange makes issues lots less complicated. 

• Cease paying for stuff. Simply resolve that there are belongings you gained’t pay for anymore! Right here’s my record of 15 things I refuse to pay for. Here’s a submit I wrote about how I get all my household products for FREE, together with diapers, child wipes, pull-ups, candles, soaps, dishwashing detergent, cleaners, and SO rather more! I actually by no means pay for family items anymore due to these methods! You can even join local groups on Facebook in your area that give away things for free every day (or begin your individual group to get free stuff). The issues that they provide away are unimaginable! Here’s a submit about what I’ve seen being given away and how one can actually get all the pieces you purchase for FREE, sure right this moment, in 2025! I do know as a result of I’m doing it! 🥰

Improve your earnings to place into financial savings:

• Begin a weblog. Staring a blog is first as a result of it’s my very own favourite private solution to generate income by doing what I like, serving others! In case your coronary heart is about serving to others and sharing your information with the world, then it is best to go for it. I began out with a dream of constructing $1,000/month by 1 12 months and ended up making $10,000/month by 1 12 months! My life has modified drastically. Although the outcomes will not be typical, you by no means know till you attempt. I absolutely didn’t know after I began, however God did!

I like to recommend going by way of Bluehost and thru my website, you may get the most affordable price (I labored out a cope with them in your behalf!) You must pay upfront for what number of ever years you need to select, however by far, that is the most affordable and greatest plan. 

• Hire out a portion of your property. In the event you’re capable of, hire out a portion of your property on Furnished Finder to make some cash fast. There are ALWAYS folks in search of locations on that website! 

• Take surveys on-line. It gained’t get you wealthy, but it surely’s earnings and also you need as MANY revenues for earnings as you may. You’ll be able to try my 25 best survey companies here.

• Promote issues round the home. Here’s a submit I created educating you how to find FREE things to sell and here’s a submit supplying you with 40 ideas of things you can sell right now that you just may have already got in your house!

Associated: 5 Real Ways to Add $500/month Steady Income which is able to assist you on how to save cash quick (you’ll find much more concepts for growing your earnings here!) 

No matter earnings you at present reside on, whether or not $15k/12 months is a dream to you or it’s 1/tenth of what you at present make, there are issues that you are able to do to enhance your monetary outlook and I’m right here to show it. In my darkest time, I was homeless.

I had completely nothing and now, I make fairly dang good cash and don’t have any debt. I can come and go as I please, have a pleasant financial savings account, and have a number of choices opened as much as me now…but it surely didn’t all come with out onerous work and God in my life each step of the best way.

It doesn’t matter what your monetary state of affairs, you may enhance it utilizing the following tips. In the event you loved this submit, you should definitely let your folks know. As a result of this data, really is life-changing to ladies who need to be dwelling with their youngsters, or are already dwelling with their youngsters, however are struggling financially to STAY dwelling with them.