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Homesteading With No Money

I groaned and rubbed my hands down my face in exasperation.

“Where does it all go?”

This “It” being money.

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Having any money is like:

…sand running through your fingers.

…or like laying out dollar bills on the picnic table in a gale-force wind.

…or like having a wad of cash fall out of your back pocket into the toilet before you realize it…and flushing.

“It” comes and goes so quickly, doesn’t it? And when you desire a homestead you need money to get started. If you are already homesteading, you need money to keep going.

Homesteading with no money can be done and here are 7 tips to help you do just that!

And even if you are living an extremely frugal life, money still can be an issue.

In fact, for this very reason, I created our free course, More than Financial Peace, to help give you peace of mind and action steps for whatever may come in our economy. After reading this article, please scroll back up and take a moment to sign up for the course. 🙂

I recently headed out to our goat pen to feed and much to my dismay, I found my Nubian, Kira, with a very large gash on her leg. It was a heart-stopping moment where a thousand things rushed through my head:

“Oh, no! She is so close to kidding! Is it broken? Is she going to be ok?”

“How in the world did this happen?”

And “How much is this going to cost?? We don’t have the money right now!”

In my survey asking homesteaders their thoughts on homesteading…54% said that their biggest challenge in starting a homestead is money. And in second place was lack of knowledge and lack of time came third. And in the comments under “what is your #1 biggest challenge”, money is mentioned the most frequently.

When it comes down to it, money can be the success or failure of life and homesteading.

What does it take to be successful? What does it take to make it in the homesteading world? In my post 90 Ideas to Profit Homesteading, it gives a ton of ideas to get you started.

You can sign up to download the 8 pages that will give you an idea of what to expect in costs for each area you are considering to have on your homestead and will also give you an idea of what to expect for profit and loss in your endeavors. The great part is that you will also have access to 25+ other resources to help you as well. So, check it out 🙂


Neither my husband nor I have an “official” job. He starts colts and day rides for a living. He is working on building up his own cow herd which is proving to have its own challenges. And I stay at home with our children and tend to our small animals and garden.

We are not rolling in the dough, so to speak. But we have realized a few things in our years of living in the land of agriculture.

I’ve pondered if it could be said that it’s possible to homestead with no money. And the hard answer is that you can and you can’t. Helpful, huh? 😉  

From my experience it seems to boil down to this: to start off, you have to have money to become self-sufficient so that you can get to the point of not even needing money.

We have had months where we literally had no money, days where we felt no hope, and hours we wanted to give up, but somehow it works and we have pushed through. That’s not to say that we could go on like that forever. We do need an income to pay our bills. And our family goal is to get to the point where we actually need less money to live.

Here is what we have found is needed when trying to start (or keep) a homestead with little to no money:

  • Conscious

Probably at this point, you are already conscious about the lifestyle you want to live. It may have started by realizing that America as a whole is slowly killing itself by the food it eats. So you made a choice to start buying and eating fresh, organic, nutrient-dense, whole food. But it doesn’t stop there.

You realized that you actually want to be self-sufficient by…

Providing homegrown, healthy food for your family through a garden, eggs (and meat) from free-range chickens, milk from goats, meat from grass-fed beef and homegrown pigs, and maybe even rabbits.

You are conscious of the lifestyle you want to live and now can move towards living it more fully.

  • Knowledge

Now that you are aware of the lifestyle you would like to live, you need to start gaining knowledge. This, of course, is a lifelong process but is so necessary. The more you become conscious of what you believe, the more important it is to know why you believe it.

In the days when nothing is working and bills are piling up, this is so important. If you don’t know why you are doing what you are doing, it can be very tempting to give up. This homesteading life isn’t for the faint of heart. The more confident you are in your knowledge and the more firm you are in your beliefs, the more successful you will be in your endeavors.

  • Goals

Your next step is to write down your goals. Now that you know what you want and why you want it, you need to look a little bit farther now. But the key is writing down your goals. You are 42% more likely to accomplish goals if they are written down.

•What do you want your life to look like 5 years from now?

•Where do you want to live?

•How much land do you want to own?

•What animals do you want to own?

•What income level do you desire?

•In what ways will you make your homestead profitable?

Be SMART with your goal planning: Make them Specific, Measurable, Achievable, Realistic, and Time-based.

And go a step further and draw a simple picture of the end result you desire and then sit back and bask in the “feeling”. What will you feel like when you accomplish your goals? What emotions will fill you when you find that you have accomplished your goals? That emotion is the key to your success because it will be the drive behind everything you do, even during the moments you feel you have reached your end.

  • Plan

You know what you want, you know why you want it, you are reading and growing in knowledge and your goals are written down. Now you need a plan. No matter the size or where you live, you can make a plan to live the way you desire to the best of your ability.

Your goals above should match the limitations of the area you live or maybe even your desire to leave your location to go someplace bigger or with more options available. The biggest questions you need to answer with your goals are:

•How will I reach my goals?

•And what are the specific steps I need to take to get there?

Goals are a great start to getting somewhere but without a specific plan…well, it’s easy to set them aside. Am I the only one who does this? I write out the most beautiful, lofty goals only to put them in my day planner and not look at them for six months. What I’ve learned is that I just have to go a step further and write out specific steps to those goals and then write them on the calendar with a “due date”.

  • Action

If you want to achieve your goals, you must make them a priority. You must set aside time each day to work on them or life will keep getting in the way and you will find yourself a year later having made no progress. How many people have found themselves past the midway point of their lives and wish they had gone further and done more?

You must do something every day, every single day of the year with your plan in order to achieve your goals. Rain, sun, gloom, doom: schedule yourself in. You may find that the feelings of success you started with when you wrote down your goals are the only thing keeping you going on the tougher days. But on those days, your deep insides need to feel the hope you had to begin with. Keep that hope alive by basking every day in what it will feel like to accomplish your goals.

  • Success

Keep going. You will find success…if you don’t give up. Do you ever wonder if life is like, “You know? I’m not sure if they really want this or not. Let’s find out.” And then any matter of setbacks and seemingly random events happen. But they may just be put there to find out what’s really in your heart and what you really want in life. Show life that your goals and aspirations are important and are really what you want.

  • Faith and Prayer

I personally can’t escape these two powerful words: faith and prayer. Make prayer a part of your daily routine and faith the substance of all you believe, and then you are really going somewhere!

Homesteading with no money is somewhat of an oxymoron, right? Because in all reality, we do need money to keep our bills paid and our animals fed (and animals can really add a bill up!)

Some days for me, it just feels like we don’t have money. But in reality, we are living like kings. We are living off the land, feasting on homegrown produce, tasty meat, homemade bread, sweet honey, and eggs our chickens just laid…wow, what could be better? What could be more fulfilling?

Money or no money, you will never have to worry about the deliciousness of your next plate of food. 

But I really believe that you can set out with this 7 step plan and each year get closer to your homesteading dreams. Just don’t give up, you got this.

Homesteading | Money Making Homestead | Begin Homesteading | Starting to Homestead | Farm life | How to Homestead | 7 tips to homesteading with no money. You can set out with this 7 step plan and each year get closer to your homesteading dreams. Just don't give up.

If you are on a journey to self-sufficiency, you may be interested in our free resource page for homesteaders. It is password protected and updated weekly. So take a moment and sign up below. You will receive an email shortly and will be able to download and print all the helpful resources.

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Timothy A Rogers

Tuesday 31st of August 2021

I'm eager to learn as much as I can about homesteading and off-grid living, also learning a lot about myself in the process, and if I'm capable of doing it on my own...

Delci Plouffe

Friday 25th of March 2022

I hope you've been doing well this last year in all your knowledge acquiring and getting started!

Theresa Brandenburg

Saturday 1st of August 2020

Thank you for not sugar coating with the image of “LIVING on a Homestead WITH NO PROBLEMS “! God doesn’t just hand you what you want on a silver platter; He provides what you need as and when you need it; even if your hard work doesn’t pay off the way you wanted. Sometimes we fail in order to bring us closer to Him! I am looking forward to learning as much aI can from your resources and your subscribers. My husband & I are nearing retirement, we have never had a lot of money, and we have learned to do things on our own,. We are lucky to live in a rural area and we grow most of our own vegies, helped by our son in law’s small homestead. We raise our own chickens for eggs and meat. We would like to move into a much smaller house (2100sq.ft. now, to about 600-700 sq.ft.), with a little more land to raise a calf or 2; and maybe a milk goat. We will see, because God provides our needs not our want. Philippians 4:19; But my God will your needs according to His riches in Glory by Christ Jesus. Thanks again for your blog.

Delci Plouffe

Thursday 6th of August 2020

I just absolutely loved reading this. Thank you for the encouragement it gave me and anyone else reading it! Best blessings as you grow and learn and trust God through it all!