When I was a kid we had some families in the cong who lived in very poor conditions. Looking back I don't know how they made ends meet because they didn't always have stable jobs and very poorly paid at that.
The other thing you need to take into account are living standards in each country, and that in many industrialised countries ther are a lot of measures in place or safety nets to avoid you falling so destitute as to be living on the street. And if you had kids, the government would be sure to house you, even if that meant putting you up in subsidised hotel accommodation in the interim.
I have lived well below what was considered the poverty line. We were pioneering, but severe health problems meant it was impossible to work and pioneer. We both stopped pioneering (though unknown to me the elders never sent in my resignation and much later when things finally started to stabilise they told me to just continue) and tried to find temporary jobs where we could work together and cover for each other. During this period, we could barely pay the rent, had to live off food stamps as we actually qualified for them. I still remember going round the store calculating the price of the food so I would have enough to pay for it. I would also travel across town, one hour each way on public transport, to go to markets where vegetables were very, very cheap and I would fill up a shopping stroller and lug it back home so we could at least eat properly for the next week. We lived in a tiny appartment (around 160 sq feet/15 sq metres) that was very very damp and run down. We couldn't afford a bed and so slept on two single mattresses on the floor. Shelves above the 'bed' would literally fall off the wall because it was so rotten. Thankfully it never happened during the night. During winter, washing took about three days to dry. After our first winter, we discovered that many of our books had black mold from the damp. Some of our clothes did too and had to be thrown out.
We stayed clean and we stayed well fed. One time a couple from the local cong gave us some money which helped pay the rent that month. Otherwise, any help came from what work we could find and what state help we could get.