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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
11/4/19 4:56 P

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Yes I agree Gill.

One is definitely never too old to learn something new. keeps our brains active as well. As we get older we get wiser I do believe. I love to research and learn new things myself!

Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


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SWEETENUFGILL's Photo SWEETENUFGILL Posts: 19,182
11/3/19 4:42 A

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Yes, thanks I'll check out that simple budget link later. I love to learn! Allowing myself more spending money has somehow made me more frugal - weird how our brains work, eh?!

Gill

Time Zone GMT (London) - yes, I'm hours ahead of most of you! Cornwall, UK

"...regardless of the short-term outcome, the very fact of your continuing to struggle is proof of your victory as a human being." Daisaku Ikeda

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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
11/2/19 6:07 P

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Simple Budget

www.frugalandthriving.com.au/simple-
bu
dget/


Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
11/2/19 5:59 P

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that's a great idea Thanks Gill. I'll have a look at it further. It's great how we can all learn from each other. emoticon

Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
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SWEETENUFGILL's Photo SWEETENUFGILL Posts: 19,182
11/2/19 1:49 P

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I started doing a 5:2 financial 'diet' system. It worked a treat in October, so I hope I can keep it going. Basically, the disposable income, after bills are accounted for, is divided by the days in the month to give a daily 'allowance'. On 5 days, you can use this allowance (if you need/want to), and on 2 days you have a no-spend day and transfer the money to the savings account.

Edited by: SWEETENUFGILL at: 11/3/2019 (04:41)
Gill

Time Zone GMT (London) - yes, I'm hours ahead of most of you! Cornwall, UK

"...regardless of the short-term outcome, the very fact of your continuing to struggle is proof of your victory as a human being." Daisaku Ikeda

www.sparkpeople.com/system/howitwork
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/31/19 4:38 P

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15 Ways To Save Money On Groceries

www.canstar.com.au/budgeting/easy-wa
ys
-to-save-on-groceries/


Edited by: HAPPI_PAULA at: 10/31/2019 (16:40)
Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/27/19 6:47 P

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10 Ways To Save Money This Christmas Without Losing The Sparkle

www.lifehack.org/articles/money/10-w
ay
s-save-money-this-christmas-without-R>losing-the-sparkle.html


Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/22/19 5:45 A

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Here's a thing I'm doing just started to help build up our emergency fund.

EMERGENCY FUND SAVINGS

Save an extra $1000!



What I'll be doing is putting a dot sticker on one square each week that I can afford to transfer over in my internet banking to help build up our Emergency Fund!

I'll pick an amount depending on the week and how the finances are going that week. One week it could be a big $ amount the next week I maybe only able to afford a small amount. But once the whole sheet is crossed off or a dot sticker covering every square I will have $1000 more in our emergency account.

Thought I would share in case anyone else would like to do it!

Yours could be different to mine you may only be able to afford 50 cents per week or $2 or $5 or whatever amount you can afford. Yours might be a set amount each time it does not have to be different amounts like mine.

Yours may not be for your emergeny fund it may go towards savings for either a holiday or Christmas expenses for next year or towards a new appliance in the home etc...

You get the idea. Just thought I would share in case you are interested to do it or try it for yourself your own version that will work for you!

Paula emoticon




Edited by: HAPPI_PAULA at: 10/22/2019 (05:47)
Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
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11,249
12,499
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/20/19 4:38 P

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Building an emergency fund

Saving for a rainy day

An emergency fund (also known as a rainy day fund or savings buffer) gives you some breathing space to deal with life's ups and downs. You can use this money if something unexpected happens to you or your family, like your car needs major repairs, or you need to buy a new washing machine.

www.moneysmart.gov.au/managing-your-
mo
ney/saving/building-an-emergency-fund


Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
10,000
11,249
12,499
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/18/19 7:38 P

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Set Specific Financial Goals

Use numbers and dates, not just words, to describe what you want to accomplish with your money. How much debt do you want to pay off—and when? How much do you want saved, and by what date?

Adopt a Spending Mantra

Pick out a positive phrase that acts like a mini rule of thumb for how you spend. For example, ask yourself, “Is this [fill in purchase here] better than Bali next year?” or “I only charge items that are $30 or more.”

Make Bite-Size Money Goals

One study showed that the farther away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results—like saving some money each week in order to take a trip in six months.

Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
10,000
11,249
12,499
13,749
14,999
SparkPoints Level 11
HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/17/19 4:43 P

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12 BEST ONE-SENTENCE MONEY TIPS OF ALL TIME

www.thewaystowealth.com/money-manage
me
nt/money-tips/


Edited by: HAPPI_PAULA at: 10/17/2019 (16:44)
Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


Total SparkPoints: 10,439
10,000
11,249
12,499
13,749
14,999
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HAPPI_PAULA's Photo HAPPI_PAULA Posts: 1,625
10/16/19 4:52 P

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CHEAPSKATES - Tip of the Day 16th October 2019

How Long Before You Retire?

For many of us retirement is only a few years away. Do you have enough in your superannuation, savings and emergency funds to allow you to live comfortably, without financial stress, in retirement?

If you expect to live on more than the Age Pension ($24,268.40, or $35,582 for a couple, as at October 2019 in Australia), you need to find the income from your superannuation and non-super savings.

If retirement is fast approaching for you, start living on the basic age pension now. Have a trial run and see how you manage. Can you live on just $466.70 a week (for a single, $703.50 for a couple)? This will give you a pretty good idea of what you need to cut back on and what you will no longer be able to afford.

Try it for a month and see how you go. Then start cutting back on the unnecessary things now and sock that money away, into super if you can, otherwise into a good savings account, and build your retirement nest egg.

With Australians living longer and healthier lives than ever before you can expect to live in retirement for a good, long time. A little forethought and planning now will see you living in a comfortable retirement for a good, long time.

Edited by: HAPPI_PAULA at: 10/16/2019 (16:53)
Positive Paula

Food is Medicine!

You are what you think!

I Say............"Keep Life Simple".

The simple and easy diet I Love:

nosdiet.com/


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8/22/18 8:19 P

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WHAT IS THE $1,000 PROJECT AND HOW CAN YOU USE IT TO SAVE BIG?

BY CANNA CAMPBELL

One woman put away $36K in 13 months.

collectivehub.com/2018/02/what-is-th
e-
1000-project-and-how-can-you-use-it-R>to-save-big/


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8/2/16 7:22 P

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Savings Guide / Saving Money Tips / The Power Of Saying ‘No’ To Save Money
The Power Of Saying ‘No’ To Save Money

www.savingsguide.com.au/saying-no-to
-s
ave-money/?utm_source=feedburner&R>;utm_medium=email&utm_campaign=F
ee
d%3A+SavingsGuideAustralia+%28Ho
w+To+S
ave+Money+with+Savings+Guide%29


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7/17/16 6:26 P

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11 Ways To Talk Yourself Out Of A Splurge Purchase

www.thesimpledollar.com/11-ways-to-t
al
k-yourself-out-of-a-splurge-purchase/


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12 key principals of goal orientated personal finance

www.thesimpledollar.com/12-key-princ
ip
les-of-goal-oriented-personal-finance/


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10 Companies That Will Pay You Just to Use the Internet
by Holly Johnson

www.thesimpledollar.com/x-companies-
th
at-will-pay-you-to-surf-the-internet/


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7/4/16 7:03 P

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Treating Your Financial Goals as a Part-Time Job
by Trent Hamm

www.thesimpledollar.com/treating-you
r-
financial-goals-as-a-part-time-job/


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7/4/16 7:00 P

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RKOTTEK's Photo RKOTTEK Posts: 23,178
6/30/16 8:14 P

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a great simile



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6/29/16 7:31 P

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What Losing Weight Taught Me About Saving Money

www.huffingtonpost.com/well-heeled/w
ei
ght-loss-money_b_1376223.html


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6/21/16 7:40 A

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That was really awesome Richard! Things I would never have thought of. emoticon You just kind of expect a wealthy person to always be wealthy. Well I kind of did in a funny sort of a way. emoticon

RKOTTEK's Photo RKOTTEK Posts: 23,178
6/20/16 9:42 P

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the rich dont always get it right, here are some fundamental errors

www.theage.com.au/business/insight/t
he
-top-6-reasons-rich-people-lose-theiR>r-money-as-told-by-a-veteran-account
an
t-20160620-gpnuyr.html




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6/19/16 5:54 P

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Another great site to look at each and every site with money tips etc.. may have something a little different from the rest even if some of it is the same. Still worth checking for sure!

www.canstar.com.au/savings-accounts/
40
-ways-to-save/


HOLYQUEENMAAT's Photo HOLYQUEENMAAT SparkPoints: (202,640)
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6/19/16 12:30 P

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Good morning to you all thanks Paula I am going to check it out after church today

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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6/19/16 5:31 A

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MONEY HEALTH CHECK

This financial health check helps you take control of your money.

It asks you some easy questions about your personal finances
It gives you simple steps and tips to improve your situation

www.moneysmart.gov.au/tools-
and-resour
ces/calculators-and-apps/mon
ey-hea
lth-check


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6/17/16 8:35 P

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It's still day lol have fun at the market


I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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6/17/16 7:47 P

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okay thanks Tema! when I get a chance I will look it up. About to head out now though to some markets. Have a great day or I think it's probably night for you. emoticon

HOLYQUEENMAAT's Photo HOLYQUEENMAAT SparkPoints: (202,640)
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6/17/16 6:25 P

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The name of the Facebook group is Dream Catchers live richer

Edited by: HOLYQUEENMAAT at: 6/17/2016 (18:26)
I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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6/17/16 6:00 P

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Glad you liked them! Now we just have to put all that good information to use and be consistent with it to reach our financial and savings goals. I'm on facebook so will check out the facebook team. I'm sure its great as well.

HOLYQUEENMAAT's Photo HOLYQUEENMAAT SparkPoints: (202,640)
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6/17/16 4:22 P

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I also just got reading the MoneySmart website I like that one also you found some really good sites

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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HOLYQUEENMAAT's Photo HOLYQUEENMAAT SparkPoints: (202,640)
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6/17/16 4:17 P

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Okay so I just finished reading the 315 ways to save money very good article I must say very good tips thanks for sharing

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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6/17/16 3:41 P

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Paula I'm glad to hear that you joined the challenge do you have Facebook if so please join the team there's so much helpful info on there you won't be disappointed


I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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Money Tips

Your Money

Plan and save for your purchases rather than buying things on credit

Don’t be afraid to haggle over prices, especially if you’re paying cash.

Keep a budget to work out the different areas of expenditure

Work out the things you ‘need rather than ‘want’, that is what’s essential for everyday living

Review your budget at least every three months and adjust it if necessary

Consider switching from a credit card to a debit card so you’ll be spending your own money and not paying to use somebody else’s

Hold a garage sale to raise money from things you no longer need and use the funds to pay off debt

Plan and save for purchases rather than buying everything on credit

Try using cash only for all your expenses

Consider using lay-by for early Christmas shopping

Set an affordable limit on birthday and Christmas gifts and stick to it

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Warren Buffet Money Tips



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5/22/16 4:46 A

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I've just signed up Tema for the "live Richer challenge" Thanks for sharing it. I think it will be awesome!

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5/20/16 8:35 P

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You're welcome I really enjoy the group and the Live Richer Challenge and I hope you do also

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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5/20/16 8:02 P

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Thanks Tema that site looks awesome will have a closer look at the blog etc.. when i come back am about to head out the door to buy a new car battery for my husbands car. He's at work today and when he finishes at lunchtime being a Saturday here that shop will be shut.

From my quick look it looks like it's an awesome site. Thanks so much for sharing it! emoticon

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5/20/16 7:39 P

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Okay I have a link to her she also has a Facebook page called Dream Catchers:Live Richer but here's the link to her info www.thebudgetnistablog.com

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


 current weight: 385.0 
385
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HOLYQUEENMAAT's Photo HOLYQUEENMAAT SparkPoints: (202,640)
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5/20/16 7:35 P

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I like Tiffany the Bugetnista she's amazing I'm going to look for her link

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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5/15/16 7:11 P

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Yes I heard of him before and looked at his site before.

Thank you for reminding me about him. perhaps you would like to post the link to see site here for everyone in the team I'm sure there would be others who would find him of value to them also. emoticon

STARTING-ANEW's Photo STARTING-ANEW Posts: 1,221
5/6/16 8:58 A

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Check out Dave Ramsey's site...his story is amazing and his no nonsense steps really work...

emoticon emoticon emoticon

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How to save money over time by Suzie Orman

www.oprah.com/home/How-to-Save-Money
-O
ver-Time


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here's a link to a great savings calculator for anyone interested. the site is Australian but still handy and good for anyone anywhere to use:

www.moneysmart.gov.au/tools-and-reso
ur
ces/calculators-and-apps/savings-goaR>ls-calculator


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Another great tip from the same site as before:

Budgeting for all bills on a low income

I am on a very, very low income, so I budget for every bill and expense. I put away bill money every fortnight and that way I have all my bills covered as they arrive, and we seem to just spend the rest.

Last year I decided to pay me as a bill, so every pay day I pay me first, just $50. I now have over $1200 in savings. I can't believe how easy it is; just pay yourself before everyone else. The first couple of pays it was an effort not to touch it, but as soon as I saw it mounting up, I got very excited.

I tell myself all the time that money is power. While $1200 is not much to some people, to me it's a fortune. Try it - it empowers you.

Contributed by: Catherine Eve


Avoid doing the Twenty Dollar Tango!

I am saving over $2,000 a year by placing visual reminders around the house to help me stop making spontaneous purchases at the mall.

I was spending $20 here and there on things that I didn't really need, telling myself that the blouse, CD, book or thing I was buying was a bargain at just 20 or so dollars. This habit was costing around $40 a week!

To break it, I dug out a couple of these so-called 'bargains' and left them out on the table to remind me of the money I had wasted. Then I stuck a photo of Fiji on the fridge to represent the holiday I could have spent the money on instead.

Since then, every time I am in a shop and find myself tempted to buy something I don't really need, I close my eyes and visualise the unnecessary items on the table, then visualise myself sitting by the pool in a Fijian resort. It's a simple trick, but the temptation vanishes with the blink of an eye!

I estimate that this saves me around $2,080 a year. Last year this was enough for my husband and I to have that holiday in Fiji, and this year we went to New York.

Saving in this way makes me feel so good that I have cut spending in other areas too. It's wonderful that without feeling deprived we've been able to enrich our lives with travel experiences we never thought we could afford.

Contributed by: Eve



Edited by: CD13203638 at: 4/27/2016 (21:37)
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Here's a great tip from a simple savings website that I receive emails from that I thought worthwhile sharing:

'Cash only' system better late than never!
I am saving more money than ever before since I switched to using cash only! I cancelled all cards which were attached to my accounts and no longer have a bank account with card access. On pension day, I make BPAY payments on my phone/Internet, power, gas and water accounts.

I have automatic transfers of money into my savings accounts; this is a set amount every fortnight. I then go to the bank and withdraw the money I will need for the next two weeks. This consists of money for rent, petrol, medications, pets, groceries and then some pocket money for me. I put these into individually labelled resealable bags, which I keep in a zippered pencil case in my bag, and my spending money goes in my purse.

I often have money left in my bags, but I still withdraw the same amount every fortnight. This allows me to grab specials and the occasional treat. Any money that is left in my normal account at the end of the fortnight, I transfer into my savings account the evening before pension day.

I have read and tried so many hints and tips on how to budget your money but this one has proved to be the perfect one for me. The amount of money I now save is amazing.

I sometimes think that if I had only used this system when my children were little, I would be a rich woman by now, or at least a well-travelled one!

Contributed by: Gusta T



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More Tips on Sticking to your Budget

www.budgetingincome.com/tips-on-stic
ki
ng-to-your-budget/


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Tips to simplify your life all the way to Financial Freedom

midwaysimplicity.com/five-tips-to-si
mp
lify-your-life-all-the-way-to-financR>ial-freedom/


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Savings Guide / Saving Tips / Strategies To Save Money / Forgotten Money Saving Skills: Top Four Forgotten Money Saving Skills

BY ALYSON BONSER

I am the mum of three beautiful children and I also work full-time, so life is certainly busy! So I know that life can get so busy sometimes that we look for what we perceive as the quickest and easiest way to get things done – but this does not necessarily mean that it is the best option for our wallets!

When I was looking a little while ago at ways that I could cut costs in our budget, I stumbled across the following 4 skills that, once added to your arsenal, will make not only great monetary savings, but also give you back some life skills that I think have gotten a little lost in our crazy, hectic lives.

Sewing/Mending

I must admit that I am personally not so great at this skill – luckily I married an amazing man who can sew a button back on a shirt like it’s nobody’s business! Mending a hole in the toe of your sock, hemming pants so they are just the right length, replacing lost buttons, putting a patch on the knee of your toddler’s pants – these are all possible to do yourself!

Back in the (not so distant) past, it was unheard of to throw out a shirt just because a button has fallen off – in fact most shirts give you an extra button on the inside of the shirt just in case! So next time you put your big toe through the end of your favourite comfy socks, don’t throw them in the bin and head to the shops to buy a new pair – sew that hole up! YouTube offers plenty of tutorial videos or sewing and mending all types of clothing – and if you are lucky enough, you may have picked up one of those tiny sewing kits last time you were in a nice hotel, so you will be all set to sew!

Gardening

When I was younger I saw gardening as the biggest chore! When Dad would ask me to come outside to help, I would whinge and complain because I just didn’t see the point of watering the strawberry bushes when we could just go to the shops and buy a punnet! But now I am older I see my garden as the perfect place for me to save some real money!

For my birthday last year I asked for a peach tree, which I planted in my garden, and this year we had a nice amount of fruit for us to pick and enjoy. Vegetables and herbs do seem to be a lot quicker and easier to grow, so I would definitely recommend giving them a go! If you are looking for some vegetables to grow with minimal outlay, I would recommend the following, all of which can be grown from kitchen scraps:

Celery
Spring Onions
Potatoes
Leeks
Ginger
Garlic

Now how is that for value? Buy one bunch of spring onions and never have to buy them again! Information on how to grow the above vegetables from kitchen scraps is readily available on the internet – so get growing!

Cooking From Scratch

I love to cook and I love to bake (and love to eat!), so this tip comes very, very easily to me. In our household we make most meals from scratch, including all of our bread and baked goods. For me, not only is it an amazing money saver, but a far healthier alternative to the processed rubbish available at the supermarket these days. It literally takes me 2 minutes to pop all the ingredients into our bread maker before I go to bed at night, and in the morning we wake up to the delicious aroma of freshly baked bread, which cost just cents to make! As many meals use a lot of common ingredients, you can save yourself a fortune buying in bulk to stock up your pantry!

I find this also cuts down a considerable amount of food waste, as I can easily use up the fresh ingredients I have in the fridge (that are getting dangerously close to bin worthy), by grabbing a tin of diced tomatoes and some pasta from the pantry and cooking them all up. So do yourself a favour and take those microwave meals out of your trolley and whip yourself up some fresh spag bol tonight!

Bartering

It saddens me that the age old skill of bartering appears to have been lost over time. Swapping the lemons off the tree in your garden for an afternoon of babysitting, or the eggs from your chickens for some of your friend’s handyman skills to change that dripping tap washer – whatever it is that you are in need of, it never hurts to see if there is something you have that you could barter with, rather than paying cash for the goods or service.

Bartering can also be used when you are in a retail store – you just have to ask! I enjoy nothing more than negotiating a better deal with a shop assistant when looking for a product such as white goods or electronics – the thought of paying the ticketed price makes me cringe! I find the approach of “I’m really interested in this product – what’s your best price?” seems to work really well. And the addition of a notebook in my hand has always helped the negotiating process along, as they know I have been doing my homework and I mean business!


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Here's a link to a post from "The Simple Dallor" about getting out of debt. Great for anyone who is in debt and thinks they can't get out of it or that it's impossible to get out of debt! This proves proves if they can do it, anyone can following their principles they used alone.

www.thesimpledollar.com/its-not-poss
ib
le/


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Get rid of monthly expenses that are not needed. Many people are paying for gym memberships, mobile internet service, and many other monthly services they barely use. They have often put the monthly payments on their credit card so they do not even realize how much they are spending and not using.

There are often ways to get the same things that you get from these pay services without having to pay. Gym memberships can be replaced with exercising at a local park or walking around the neighborhood. If you need internet service away from home, look for Wi-Fi hot spots. They are found at many restaurants, hotels, and coffee shops. It might take effort to do this at first, but once it becomes a habit, it is easy to do.


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101 Why You Should Track Your Spending

This article shows tracking for a whole month. I have chosen to track just for one week initially as per the printable tracking sheet I shared earlier. But this article will give you food for thought about tracking your spending if nothing else. I am not using this weekly tracking as a budget or substitute for a budget this is just to track my discretionary spending.

www.thesimpledollar.com/money-manage
me
nt-101-why-you-should-track-your-speR>nding/


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3 Ways To Prepare Your Emergency Fund

Be Ready For Financial Emergencies When They Happen

financialplan.about.com/od/savingmon
ey
/a/emergencyfund.htm


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5 surefire ways to stick to your budget

savingsroom.com.au/5-surefire-ways-s
ti
ck-to-budget/


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Just thought I would share with you all a Weekly Expense Tracker I found on Google that I have printed out for myself. i'll be using this starting today and going through till next Wednesday our next pay day and getting a bit of a wake up call perhaps as to where lots of fiddly amounts of money might be going to unnecessarily.

I sort of already know lol but having it written down will be powerful for me. I thought some others in the team might find it useful as well. I'll be getting dockets from everything spent where I can so that when I get home from being out I can add all the spending in and get it accurate without having to try and remember amounts of money. anything spent online will be added. Generally anything spent that is not already budgeted for.

I generally allow $50.00 a week in my purse for the week for any extra groceries or other things I may need if I have dinner out etc... I will be calculating that in it also to see if perhaps that's where I use extra money over and above the $50.00 allowed each week.

Anyhow here's the link if anyone is interested:

frugalandthriving.com.au/wp-content/
up
loads/2014/08/Weekly-Expense-TrackerR>.pdf


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Every pay rise, use 50% of the new incoming money to grow more money

It can be hard to sacrifice existing expenses; so why not aim to simply save a portion of every pay rise instead of finding things to go without? Every time you get a pay rise, you are essentially earning extra money that would otherwise not have been accounted for.

It’s hard to miss something you never had which is why this strategy has worked so well for many people. Say you begin to earn an extra $100 a month, simply take half of it and save or invest it. You won’t notice it is missing and you won’t get a chance to assign it to some new expense you don’t actually need.

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5 Moves to Simplify Your Spending
By Mary Hunt on 05/28/15

I know what you’re thinking: “simplify” and “spending” in the same sentence? Ha! Like that’s even possible when we have credit cards, bank accounts, bills, bill-paying options, fees, penalties and interest rates to keep track of.

How can we possibly make spending simple? By knowing the right tricks. Choose to become accountable, then use every tactic you can to streamline—and de-stress—your financial life. If you can pare things down as follows, you’re well on your way.

USE CASH. When it comes to paying for things like groceries, gas and other daily routine items, there is nothing easier than paying with cash. You can’t overdraft it and you won’t have to worry about fees and interest. Once it’s spent, that’s it. Done. So simple.

ORGANIZE WITH ENVELOPES. This is quite possibly the most effective money management technique. Get a stack of envelopes and label one for each of the ways you’ll be spending your cash (food, gas, and so on). Place the appropriate amount of cash in each envelope. There. You’ve got a spending plan. As a bonus, you’ll have a handy place to keep the receipts from each of those categories. And, they’ll be neatly organized by category if you need to return something in the future, or prepare your taxes.

KIDS ON ALLOWANCE. For most families, kids plus money equals a big black hole. It’s the constant money drip for food, friends, movies, food, games, school, tickets, food. Bring sanity to your finances by determining a set amount for each child per month. Then, create an envelope with that child’s name on it and put the cash inside. Call it an allowance. Now, whether you or the child manage that money is up to you. Either way, it’s a set amount you can plan on. And when it’s gone? No more spending until the next fill up.

STORE CARDS. Most retailers, including supermarkets and gas stations, offer some kind of gift card these days. Use them to simplify your finances. Let’s say you intend to spend $400 for groceries this month. Buy a $400 gift card from your supermarket and use it as you would a debit or credit card during the month. When you swipe it, the amount of that purchase will be deducted from the total prepaid amount available. You can’t “borrow” money from a store gift card and it’s fee-free, too. If you stick with it, you’re guaranteed to stay on a budget.

TRACK YOUR CHARGES Whenever you use a credit or debit card, take 30 seconds to record that transaction in the same way you record the checks you write. Enter it in red ink. Later, when your bank statement or Visa bill arrives, you’ll be able to quickly double-check the red entries.

At first glance these tactics may appear to be too simple to be effective. Just try them. You’ll be pleasantly surprised.


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Suze Orman: The Best Financial Moves for Your 20s, 30s, 40s, 50s, 60s and Beyond

www.oprah.com/money/Suze-Orman-Finan
ci
al-Plans-for-All-Ages


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WAYS TO SAVE MONEY ON GREETING CARDS
A tip from an email newsletter I receive:

Keep a Greeting Card File

To save money on greeting cards, keep a card file! I am always on the hunt for bargain cards/note cards to send for birthdays and other occasions. I even have get well, and sympathy cards on hand.

I find them at dollar stores, thrift shops, and even as gifts from card manufacturers. I just got sweet cards for hubby's birthday in a box of cards.

I also keep a calligraphy pen set to write in personalized greetings; especially in note cards without any greeting inside. Your recipients will have no idea that the card priced at $3-4 on the back was gotten for $.25 or less!

By Pamphyila from LA, CA

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35 FRUGAL FOODS TO BUY WHEN YOU'RE BROKE

www.gracefullittlehoneybee.com/35-fr
ug
al-foods-buy-youre-broke/


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I love the thirty day rule about making purchases

I'm making it one day at a time
TENACITY is the quality displayed by someone who just won't quit -- who keeps trying until they reach their goal. Anything really worth doing takes persistence, perseverance, and stubborn determination! I AM a Tenacious Jungle Tiger and these are my survival skills!!

The key is to keep company with those who uplift you, whose presence calls forth my best....

Pacific Time Tucson AZ
Tema


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4 MONEY HABITS TO STEAL FROM THE VERY WEALTHY

www.oprah.com/money/4-Money-Habits-
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Steal-from-the-Very-Wealthy


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Master the thirty day rule.

Whenever you’re considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item. Quite often, you’ll find that the urge to buy has passed and you’ll have saved yourself some money by simply waiting.

If you want, you can even keep a “thirty day list” where you write down the item and the day you’ll reconsider it, but I prefer just to keep this one in my head – that way, I often just forget about the unimportant things.

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Wow that's a great idea. My husband and i have two credit cards. We have had them for many years. We never use them hardly and were thinking to cancel them, but we've kept them as they are meant to be good to keep for your credit rating if you have them.

We use our debit cards all the time now. My adult kids 19 and 21 only have debit cards. We've taught them that this is the best way to go so they do not get the chance to get caught in the credit card debit cycle they cannot repay.

I do like the sound of your gift cards every month though for using your credit card. If everyone with a credit card could be good like you and pay them off every month before the charges start to kick in that would be great. But....unfortunately some people are sadly unable to do that.



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I use my one credit card to pay bills, and all monthly expense's , then pay it off every month before I get any charges and I get a $25.00 to $50.00 dollar gift card every month

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HOW TO SPLURGE ON A BUDGET

I got the biggest shock of my life the day I realized that living on a budget wasn't the straitjacket or rigid “diet” I assumed it would be. In fact, it was my life as a credit-card junkie that put me in financial bondage.

A budget saved my life because it allowed me to get out of debt. It gave me back my freedom. Want to know my secret for staying on a budget for so many years? I splurge. Seriously. And I do not feel guilty. I love nice things and I love to travel.

Even while I was getting out of debt, I didn’t banish all of these things from my life. In fact, my occasional guilt-free splurges are what helped me stay on a budget. Since I didn’t feel deprived, I found it a lot easier to stick to my plan.

Calculated splurging is not difficult. In fact, I think you’ll find it makes a lot of sense. And the bigger payoff is the financial maturity that comes with delayed gratification. Planning and waiting really does make you more appreciative.

Make a list. This is the fun part. Think about your splurges of choice. A haircut and color at a great salon? A luxe lipstick? A big-ticket item like a new laptop? Write down all the things you want. Get specific, but don’t worry if you can’t think of everything right now. You’ll be changing this list often in the future. The point is that slowly, one at a time, you can find a way to work these splurges into your budget.

Open an account. Whether it’s a savings account at a bank or credit union, or an online savings account, you need a place to save for your splurges. Make it a place that you won’t be tempted to dip into yet is still convenient enough for you to make deposits.

Review your habits. Sure, you’ve always used that pricey salon shampoo, but it’s important to ask yourself whether that’s a meaningful splurge or just an old habit. Check the drugstore: You’ll find great brands for a lot less money. Same goes for the grocery store. Do you need a specific brand of canned veggies, flour or cereal? Probably not, so go for the cheapest. Here’s a good rule of thumb: Say no to say yes. In other words, cut back where it doesn’t matter so you can buy the things that do.

Find the cash. Start thinking of ways to bring in a little extra spending money to fund your account. Perhaps you can sell some things online. Determine to spend $10 less at the supermarket this week, and put that money into your account. Next week, make it $15.

Take your coupon savings in cash and add that to your splurge account. When you get a raise or pay off a bill, put some of it into the account. Even a dollar or two here and there will add up quickly if you’re consistent. In my house, she who does the laundry keeps the money that ends up in the bottom of the washer. And when I get money for my birthday or a refund on something I return, that money goes into the account, too.

Look for deals. Buy on sale (your everyday stuff as well as your splurges) whenever you can. I am a big fan of Bath & Body Works’ line of body butter, which is a splurge for me. And I don’t deny myself. I wait until one of the store’s big sales (they happen several times a year), which makes the splurge that much sweeter.

Rethink eating out. You don’t have to banish eating out from your life because you’re on a budget. Just shift your thinking: A meal out shouldn’t be something you grab on the run, it should be something special that requires planning. Keep an envelope with restaurant coupons in your bag. Dine where the kids eat free on a specific night. Instead of an entire dinner at a fancy restaurant, splurge by going just for dessert and coffee. Or go for lunch, which is usually cheaper. Same ambience, less money.

Shop smarter. Think about changing where you shop. Instead of the mall, head to a thrift store or a shop that benefits a certain charity, where prices will be a lot cheaper.

Stores that carry gently used items are exploding with business these days, and they’re bigger and better than you might imagine. Discover the joys of consignment clothing stores, where you’ll find better quality and beautifully displayed near-new clothing at hugely discounted prices.

Want to know the best fringe benefit of splurging on a budget? No more impulse shopping. You have time to breathe and to think. And even to change your mind altogether—you may decide to just skip the spa day so you can keep saving for the European vacation. It all depends on what matters most to you.


Edited by: CD13203638 at: 5/11/2015 (16:49)
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SAVE ON ELECTRICITY AND WATER

Here's how you can save money and do your bit for the environment.

SAVING ON ELECTRICITY:

Buy energy efficient appliances

Switch off your heater, air-conditioner and lights in rooms you're not using

Keep your curtains or blinds drawn at night to keep the heat in

Use a door snake under the door

Turn off the heater and put on jumper

Turn off your electrical appliances at the power point

Turn off the TV and computer when no-one is using it

Use energy efficient light bulbs

Turn on the washing machine and the dishwasher only when they are full


SAVING WATER:

Have 4 minute showers

Use grey water from your washing machine or shower to water your plants

Install a water efficient shower head

Wash clothes with cold water



Edited by: CD13203638 at: 4/26/2015 (02:00)
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Tips for setting up and sticking to your budget.

What is a budget exactly? Well for those who don’t know here’s what it is:

youarewhatyouthinkonline.com/2014/05
/2
5/how-to-create-a-simple-household-bR>udget-and-get-yourself-out-of-debt/#
more-679


Edited by: CD13203638 at: 4/12/2015 (07:41)
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4/12/15 7:31 A

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Some tips so save money on your Home Loan if you have one:

With your home loan – you can look around for the best interest rates and refinance if you think you can get a better deal somewhere else. When you find a better deal – talk your current home loan provider and ask if they can better it or at the least match it.

Be aware of loan exit fees if applicable & the cost of starting a new one. Then you can weigh them all up.

You can save heaps in interest over the life of your loan if you pay your loan weekly not monthly. Just divide the monthly amount x 4 to get the weekly amount.

If you can afford also to pay more than the minimum requirements this helps you pay it off quicker, saves you in interest and builds up equity. Perhaps if you are a two income family you can pay one whole wage to your loan repayments and just live off the other wage.

Manage your home loan online. This gives you instant access to your loan details etc. Set up automatic repayments to your loan coming out of your account on the day you have your wages or other income going in. Also then you won’t forget to make the repayments.

If interest rates fall – don’t think you have extra to spend or play with by dropping your repayment amounts. Use this to benefit yourself, by still making the same current amount of repayment. Thus meaning you are paying extra yet again to your loan and therefore paying it off even more quicker in the end.

Review your home loan situation on a regular basis to check if you are still getting the best deal.

Start off very early in your career or your first job- saving for a home loan to start off your investment portfolio.

Do what you can to save $10,000 and then go round to many of the financial institutions and see if they can offer you a loan. You may have to start small by buying a small unit in a cheaper area say than you live or would like to live. At least though you will be well on the way to saving for your retirement & or other plans you may have for the future.

Think about it when you pay rent to someone else you are only just paying off their investment portfolio instead of your own.

I’m sure there’s many other tips out there that could save you heaps over the life of your loan, that I am unaware of. But you get the idea. Please share any you may have. emoticon

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4/11/15 10:55 P

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What tips or strategies do you have for saving money that you can share?

Edited by: CD13203638 at: 4/26/2016 (17:11)
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