peninapetersen

Lots of tests, experiments and labels happening at...

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Apr 16

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Lots of tests, experiments and labels happening at my house. Kids everywhere. Decluttering. Cleaning. Final moments with the book. Such madness. It’s getting cold here. I’m excited!!!! P.S I think it’s time to buy a new beanie - ha!!! #beanie #declutter #homeorganization #experiments #book #dinner #mum #mom #schoolholidays #labelmaker #wifeswapau #wifeswapaustralia #penina #peninapetersen #followmeplease

peninapetersen

One of the most important skills I've learned...

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Apr 16

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One of the most important skills I've learned to master in life is visualisation. I've have used this hack for most of my life. The thing is, your most powerful asset is your subconscious mind. Once you have put yourself in a picture life this, your subconscious mind continues to set those images in your brain behind the scenes as you go about daily businesss. Try this. It works! Eventually, your brain works at getting you what you want without you doing much else. You can't unsee a positive picture you've created of yourself. These images will eventually stamp out the negative images you may have. I hope this works for you in terms of feeling more empowered every day.

peninapetersen

Our school holiday adventure continued. Coco and ...

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Apr 15

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Our school holiday adventure continued.  Coco and ventured out to Frankston’s awesome new venue General Public. There were so many great photo opportunities there. We played a game of pool, went bowling, ventured out to lunch and had some fun playing arcade games. Loving being back home after our big Grampians country adventure. Back to work for this mum! Play dates galore happening at our place! #retro #vintage #s #vintagestyle #art #fashion #retrostyle #aesthetic #classic #style #oldschool #love #nostalgia #photography #design #music #nintendo #retrogaming #sfashion #videogames #antique #interiordesign #gaming #vintagefashion #vintageshop #retroaesthetic #gamer #instagood #vintageclothing #bhfyp

peninapetersen

Here’s a little Tuesday inspiration from my ...

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Apr 13

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Here’s a little Tuesday inspiration from my first book Table Tucker - where it all began. #peninapetersen #tabletucker #inspiration

peninapetersen

OMG this was so much fun. We went on a one hour ...

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Apr 8

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OMG this was so much fun. We went on a one hour ride through the beautiful bike paths in the Grampians. These were e-bikes on hire for $40 each. We are happy to spend this kind of money on a holiday because we save so much on dinner!!!! Now that we’ve become financially free mortgage-wise we can afford this kind of thing. Although we did stock our motel room from the supermarket so we could save our pennies for this awesome ride. So worth it!!! Best fun ever!!!! This was an impromptu ride. Luckily I had my board shorts with me to wear under my black t-shirt dress. Yay! #scooter #ebike #e-bike #grampiansbikehire #ngsc #fun #funtimes #holiday #travel #melbourne #thepetersens #petersenfamily #havingsomuchfun #yeah #thingstodo #travelling

peninapetersen

Here’s a list of the little kit I took on our ...

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Apr 8

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Here’s a list of the little kit I took on our three day trip. Black t-shirt dress, stretch jeans.
sneakers, socks, thongs, slipper socks,  underwear, bras, bathroom bag,
hair straightener,  squishable shopping
bags, swimmers, sunscreen, handbag, wallet, sunnies, baby wipes, beanie, squishable sunhat, out-for-dinner top, dress sandals, compartment camera bag, tech and laptop. The black -t-shirt dress is so handy. Because you can wear it out for dinner, to the pool and over the jeans! I love and live in my black t-shirt dress. The camera bag is also great because it has compartments which makes organising daily gear for a train or coach easy! You will always be able to find stuff. #travel #packinghacks #travelhacks #packforapurpose #weekendtrips #weekendvibes #bag #handbag #travelbag #camerabag

peninapetersen

In the summer of 2004 my husband and I were $50k ...

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Apr 7

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In the summer of 2004 my husband and I were $50k in debt. We moved to outback Australia (Kambalda in WA - 60km out of Kalgoorlie) to get completely out of our comfort zone. It worked. Life has never been the same again. This week I went on an unplanned adventure with my beautiful daughter. We venture out when we need it. This was the most fun we’ve had in years. We returned to the Grampians region - where I was once Bushfire Recovery Officer. It was amazing to return to see the community as incredible as it always was and even better. Rejuvenation is a beautiful moment. Thank you Halls Gap - for giving us the amazing day we so needed. Xoxoxoxo #hallsgap #Grampians #hallsgapebikehire #ebikehirehallsgap #ngsc #visitvictoria #melbourne

peninapetersen

#hallsgapbikehire watch this space #grampians ...

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Apr 7

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#hallsgapbikehire watch this space #grampians #firstlove #victoria #visitvictoria #hallsgap #visithallsgap #happiness #fun #thepetersens #thepetersenfamily

peninapetersen

Heading to Halls Gap for ice-cream and some ...

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Apr 7

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Heading to Halls Gap for ice-cream and some amazing Grampians views. More coach time!

peninapetersen

Travelling through Great Western home to ...

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Apr 6

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Travelling through Great Western home to Seppelt’s Winery. They do amazing underground tours here. #ngsc #Grampians #Ararat #Stawell #stawellgoldmine #headingwest #getoutoftown #fun #travel #thepetersens #petersenfamily #dayoff #holiday #happytimes #travelinspiration #bus #coach
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                      6 simple steps to staggering world savings

                      by Penina Petersen
                      September 14, 2015
                      in Super, Tax & Retirement
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                      6 simple steps to staggering world savings
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                      Little savings really add up. I’m always harping on to my kids about making sure they finish all the food on their plate. Over dinner we talk about children in the world who have little or no food. When I put my kids to bed I explain why they are so lucky to have a safe house, a cosy bed and necessities like warm blankets, clothes, shoes and socks. We discuss the homeless who are sleeping on the street tonight. When driving to school we talk about how many children in the world don’t get to go to school and the luxury of an education.

                      We also talk about the meaning of ‘spoilt’ and why it is important to be grateful – about everything.


                      FYI: Here are the official definitions of ‘to spoil’ and ‘gratitude’

                      To Spoil

                      To impair, damage, or harm the character or nature of (someone) by unwise treatment, excessive indulgence, etc.: to spoil a child by pampering him.

                      Gratitude

                      The quality or feeling of being grateful or thankful: He expressed his gratitude to everyone on the staff.

                      Source: Dictionary.com


                      Waste not & do something

                      Sometimes I feel as though I’m making my children feel guilty about being so lucky, and then I think no. This is because deep down I do have a ‘thing’ about ‘waste’ and I do believe it is my social responsibility as a human, adult, mother and parent to do something to help and to also educate my children about how to give, care, help and ‘do.’

                      If you’ve read Table Tucker you will know the extent I went to (in writing the book) and also still go to daily, to not waste food and to recycle and reuse items as much as possible. The Table Tucker and Savings Room journey, in terms of research, has also been a real eye-opener in terms of world affairs and statistics. Generally, mums like me are too busy to get down to world statistics on any given day of the week. Unless we are afforded the luxury of reading extensively daily, these days we receive our information in bite-sized chunks via social media, news feeds, easy-to-digest books, the media and even via word-of-mouth from more time-rich relatives and friends. We do this between the demands of our home and work lives, children’s schedules and the daily pressures life throws at us.

                      So, many years ago, while researching for Table Tucker, I went on the hunt for some fast, ‘real-time’ bite-sized statistics I could absorb quickly and I was shocked with what I discovered:

                      An amazing website….


                      Step 1:  Take a visit to Worldometers

                      This amazing website will open up any time-poor person’s eyes and quickly. If you are a busy parent or person like me, one of the biggest bites of reality you can give yourself is a visit to this website:

                      Worldometers.info

                      This site is incredible for watching world statistics in real time, as they happen and believe me these statistics are staggering to watch. The stats are also hugely depressing and very sad. So please be warned, these statistics are not for the faint-hearted.


                      Step 2. Get a staggering bite of reality

                      Here are a few current statistics I grabbed while writing this article.

                      These stats change by the second, minute and hour. They are so overwhelming you might wonder how you could help at all? Because yes – these world problems and statistics are staggering….

                      • During Writing: Undernourished people in the world 890,121,154
                      • During Writing: People who died of hunger today 27,311
                      • During Writing: Deaths from water related diseases today 4,404
                      • During Writing: People with no safe drinking water source 736,176,140

                      I’ll leave you to think about these stats while I move onto Step 3.


                      Step 3. Learn more about the current urgent African food crisis

                      Another current world issue, which I recently learned about through CARE Australia, is the devastating food crisis that has struck many parts of Africa. There are a staggering 20 million people across the Sahel who are running out of food and up to five million children who are expected to become acutely malnourished.

                      CARE estimates that:

                      “In some parts, half the population will exhaust their food stocks by the end of June and the United Nations is warning that famine is imminent in South Sudan.”

                      You can read more about the crisis at CARE’s website.


                      Step 4: Commit small & become part of something bigger (than you)

                      Read on to discover how you can help – even in a small way, while you help yourself this tax time:

                      Let’s face it. We are an extremely busy nation and many of us don’t have the time, like me, to get our head around the stats and even if we wanted to help, we wonder how our small contribution could help the mammoth problems facing the world, as listed above.

                      But your small contribution and that of your friend, mother, sister, group of friends, community and region adds up into a bigger contribution – and thus together we grow into a CARING nation that is making a true difference in the world.

                      Look at tax time another way….

                      While many of us dread tax time, in terms of the associated administration tasks and business ATO payments that need to be made, you could look at tax time another way:

                      “Tax time is an excellent opportunity for individuals, as well as small and large business people, to enjoy the heart-warming satisfaction of helping others less fortunate, while also gaining a benefit in tax savings.”

                      Step 5: Calculate your tax savings

                      To soften the blow of the June 30 tax deadline, CARE Australia has launched a handy calculator to help people maximise their tax return when making charitable donations. Found at www.care.org.au/tax, donors simply enter the amount they would like to give, as well as selecting their income. The calculator will then work out how much tax will be received back for a contribution made to CARE Australia.

                      By donating to CARE Australia, donors will not only be assisting someone in need, but will be boosting their tax return at the same time.

                      Here’s an example of possible tax savings:

                      For a salary of $37,001 – $80,000 this is how you can help and the tax savings you can make according to Care Australia’s Tax Calculator:

                      • $112 can provide food for a month for 7 children – Tax Saving $36.40
                      • $300 can provide 10 families with bags of rice –  Tax Saving $97.50
                      • $500 can provide 5 families with cash for essentials – Tax Saving $162.50

                      Step 6: Place a donation & make a difference

                      Donate before 30 June to claim your deduction in this year’s tax return! Visit www.care.org to read more. You can place a donation online or donate by calling 1800 020 046. Donations over $2 are tax deductible.

                      Mahatma Gandhi

                      “You must be the change you wish to see in the world.”

                      Do you have any tips for creating tax savings? Comment below because sharing is caring!

                      Tags: save the worldsavingssavings blog australiatax savings
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                      peninapetersen

                      Lots of tests, experiments and labels happening at...

                      View

                      Apr 16

                      Open
                      Lots of tests, experiments and labels happening at my house. Kids everywhere. Decluttering. Cleaning. Final moments with the book. Such madness. It’s getting cold here. I’m excited!!!! P.S I think it’s time to buy a new beanie - ha!!! #beanie #declutter #homeorganization #experiments #book #dinner #mum #mom #schoolholidays #labelmaker #wifeswapau #wifeswapaustralia #penina #peninapetersen #followmeplease

                      peninapetersen

                      One of the most important skills I've learned...

                      View

                      Apr 16

                      Open
                      One of the most important skills I've learned to master in life is visualisation. I've have used this hack for most of my life. The thing is, your most powerful asset is your subconscious mind. Once you have put yourself in a picture life this, your subconscious mind continues to set those images in your brain behind the scenes as you go about daily businesss. Try this. It works! Eventually, your brain works at getting you what you want without you doing much else. You can't unsee a positive picture you've created of yourself. These images will eventually stamp out the negative images you may have. I hope this works for you in terms of feeling more empowered every day.

                      peninapetersen

                      Our school holiday adventure continued. Coco and ...

                      View

                      Apr 15

                      Open
                      Our school holiday adventure continued.  Coco and ventured out to Frankston’s awesome new venue General Public. There were so many great photo opportunities there. We played a game of pool, went bowling, ventured out to lunch and had some fun playing arcade games. Loving being back home after our big Grampians country adventure. Back to work for this mum! Play dates galore happening at our place! #retro #vintage #s #vintagestyle #art #fashion #retrostyle #aesthetic #classic #style #oldschool #love #nostalgia #photography #design #music #nintendo #retrogaming #sfashion #videogames #antique #interiordesign #gaming #vintagefashion #vintageshop #retroaesthetic #gamer #instagood #vintageclothing #bhfyp

                      peninapetersen

                      Here’s a little Tuesday inspiration from my ...

                      View

                      Apr 13

                      Open
                      Here’s a little Tuesday inspiration from my first book Table Tucker - where it all began. #peninapetersen #tabletucker #inspiration

                      peninapetersen

                      OMG this was so much fun. We went on a one hour ...

                      View

                      Apr 8

                      Open
                      OMG this was so much fun. We went on a one hour ride through the beautiful bike paths in the Grampians. These were e-bikes on hire for $40 each. We are happy to spend this kind of money on a holiday because we save so much on dinner!!!! Now that we’ve become financially free mortgage-wise we can afford this kind of thing. Although we did stock our motel room from the supermarket so we could save our pennies for this awesome ride. So worth it!!! Best fun ever!!!! This was an impromptu ride. Luckily I had my board shorts with me to wear under my black t-shirt dress. Yay! #scooter #ebike #e-bike #grampiansbikehire #ngsc #fun #funtimes #holiday #travel #melbourne #thepetersens #petersenfamily #havingsomuchfun #yeah #thingstodo #travelling

                      peninapetersen

                      Here’s a list of the little kit I took on our ...

                      View

                      Apr 8

                      Open
                      Here’s a list of the little kit I took on our three day trip. Black t-shirt dress, stretch jeans.
sneakers, socks, thongs, slipper socks,  underwear, bras, bathroom bag,
hair straightener,  squishable shopping
bags, swimmers, sunscreen, handbag, wallet, sunnies, baby wipes, beanie, squishable sunhat, out-for-dinner top, dress sandals, compartment camera bag, tech and laptop. The black -t-shirt dress is so handy. Because you can wear it out for dinner, to the pool and over the jeans! I love and live in my black t-shirt dress. The camera bag is also great because it has compartments which makes organising daily gear for a train or coach easy! You will always be able to find stuff. #travel #packinghacks #travelhacks #packforapurpose #weekendtrips #weekendvibes #bag #handbag #travelbag #camerabag

                      peninapetersen

                      In the summer of 2004 my husband and I were $50k ...

                      View

                      Apr 7

                      Open
                      In the summer of 2004 my husband and I were $50k in debt. We moved to outback Australia (Kambalda in WA - 60km out of Kalgoorlie) to get completely out of our comfort zone. It worked. Life has never been the same again. This week I went on an unplanned adventure with my beautiful daughter. We venture out when we need it. This was the most fun we’ve had in years. We returned to the Grampians region - where I was once Bushfire Recovery Officer. It was amazing to return to see the community as incredible as it always was and even better. Rejuvenation is a beautiful moment. Thank you Halls Gap - for giving us the amazing day we so needed. Xoxoxoxo #hallsgap #Grampians #hallsgapebikehire #ebikehirehallsgap #ngsc #visitvictoria #melbourne

                      peninapetersen

                      #hallsgapbikehire watch this space #grampians ...

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                      Apr 7

                      Open
                      #hallsgapbikehire watch this space #grampians #firstlove #victoria #visitvictoria #hallsgap #visithallsgap #happiness #fun #thepetersens #thepetersenfamily

                      peninapetersen

                      Heading to Halls Gap for ice-cream and some ...

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                      Apr 7

                      Open
                      Heading to Halls Gap for ice-cream and some amazing Grampians views. More coach time!
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                      savingsroom

                      After we cut up our credit cards we vowed never to...

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                      Apr 16

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                      After we cut up our credit cards we vowed never to get one again and we never did. If you can’t afford to buy it now. Wait. Find it second hand. Go without it. If you pay for it with a credit card you’ll be paying much more for it. Ask yourself? Is it worth the future financial pain? Look after your future self. #creditcarddebt #creditscore #creditcard #creditrepairservices #creditrepair #creditcards #debtfreecommunity #credit #creditrestoration #financialfreedom #debtfreejourney #debtfree #credittips #creditmatters #fixmycredit #debt #studentloans #crediteducation #creditgoals #budgeting #badcredit #creditispower #financialliteracy #creditscoreincrease #creditconsultant #creditkarma #bankruptcy #creditbuilding #personalfinance #bhfyp

                      savingsroom

                      Amazing things can happen on a spend-free weekend....

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                      Apr 9

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                      Amazing things can happen on a spend-free weekend. You will make many discoveries, discover some old and good stuff around the house and even make new friends out and about on a free adventure. I'd love to know how you what you would do on a spend-free weekend.

                      savingsroom

                      We were once $50k in debt. We moved to a remote ...

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                      Apr 8

                      Open
                      We were once $50k in debt. We moved to a remote area away from all distractions such as partying friends and expensive city lifestyles. We spent a year completely focused on clearing debt. We worked every day and came home every night, reducing our debt until all the debt was gone. It wasn't what we were making that helped us clear that debt. It was what we weren't spending. We cut up credit cards and improved our credit score by paying bills on time etc. After that we saved a home deposit for a cheap country duplex property. Two cottages on one title.
We then built equity in the home by renovating it out of our wages, while we enjoyed a simple country life. We also continued to work full-time to pay down the loan while our kids were young. After that we rented out that property (rents were high in an area where there was big demand for rentals). We moved back closer to the city, to a regional area close to the beach and with a train line to the city. We used the country property to buy a large home on a double block in a growing area. We renovated that property using the same method as above. Building equity through wages. My husband learned valuable trade skills so we could do everything ourselves. I got good at researching supplies for the renovation. After some time, the duplex property started to pay off both our mortgages. We became essentially mortgage-free while still living in the home we were living in. We purchased both properties in areas which were either tourist towns, or had industry or growing infrastructure. More to come. What's your get out of debt story? Or hacks and tips you can share with others. #debtfreecommunity #debtfreejourney #debt #budgeting #savinghacks #debtfreedom #frugal #frugallife #debtfreecommunityuk #getoutofdebt #savingsroom  #thepetersens #petersenfamily #broke #savingsroomblog #savings #piggybank #debtjourney

                      savingsroom

                      Here’s a great way to save on your next road ...

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                      Apr 8

                      Open
                      Here’s a great way to save on your next road trip! #savemoney #financialfreedom #money #couponcommunity #couponing #savings #deals #coupons #neverpayfullprice #coupon #budgeting #personalfinance #budget #save #savingmoney #debtfreecommunity #frugalliving #free #savetime #onlineshopping #debtfree #clearance #shopping #extremecouponing #couponer #frugal #business #savemoneylivebetter #sale #bhfyp

                      savingsroom

                      peninapetersen
                      Just to prove we do know how to...

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                      Apr 2

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                      peninapetersen
Just to prove we do know how to have fun! I wrote this list way back in 2018 and we've been working off this list for years. There are so many cheap and fun ideas here. I thought this would be a great one to share for anyone hanging around home this Easter break or even those lucky enough to escape. Enjoy the sunshine!!!! We're off to the beach tomorrow for kayaking with friends. Can't wait!!!!
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peninapetersen
#havefun #thingstodo #notcleaning #thepetersens #petersenfamily #thepetersenfamily #Easterfun #holidayfun #thingstodo #mums #moms #mummy #mommy #kids #children #fun #bored #thingstodoathome #happiness #frugal #savemoney #debtfree #frugal #money #whattodo #Easterholidayfun #cheatsheet #savingsroom #getoutofdebt #cheapfun
24mReply

                      savingsroom

                      Trying to get some numbers on followers who wish ...

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                      Mar 30

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                      Trying to get some numbers on followers who wish they were spending less on groceries. Please like if you would like to spend less. #savemoney #financialfreedom #money #couponcommunity #couponing #savings #deals #coupons #neverpayfullprice #coupon #budgeting #personalfinance #budget #save #savingmoney #debtfreecommunity #frugalliving #free #savetime #onlineshopping #debtfree #clearance #shopping #extremecouponing #couponer #frugal #business #savemoneylivebetter #sale #bhfyp

                      savingsroom

                      Can’t afford expensive anti-ageing creams? ...

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                      Mar 27

                      Open
                      Can’t afford expensive anti-ageing creams? I’ve been doing this for about six months now and I’ve noticed a considerable difference to my skin. Apply straight after getting out of the shower after drying your face (when skin is still warm and soft) and then apply moisturiser as normal. Also don’t forget to hydrate from the inside by drinking lots of water 💦. This really works for me :-) #antiageing #skincare #beauty #skin #skincareroutine #glowingskin #antiaging #aesthetics #healthyskin #acne #microneedling #facial #antiwrinkle #wrinkles #antiageingskincare #collagen #dermalfillers #antiage #cosmetics #skincaretips #facials #skinhealth #skincareproducts #natural #skinrejuvenation #selfcare #beautifulskin #skintightening #clearskin #bhfyp

                      savingsroom

                      Acronyms are a great way to remember important ...

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                      Mar 24

                      Open
                      Acronyms are a great way to remember important ideas. Here’s one I created for the word save. I hope to works for you. #savemoney #financialfreedom #money #couponcommunity #couponing #savings #deals #coupons #neverpayfullprice #coupon #budgeting #personalfinance #budget #save #savingmoney #debtfreecommunity #frugalliving #free #savetime #onlineshopping #debtfree #clearance #shopping #extremecouponing #couponer #frugal #business #savemoneylivebetter #sale #bhfyp

                      savingsroom

                      Meat is getting expensive post COVID. This a a ...

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                      Mar 22

                      Open
                      Meat is getting expensive post COVID. This a a great way to get more for your spend and stretch that meat out a little further while adding goodness. #savemoney #financialfreedom #money #couponcommunity #couponing #savings #deals #coupons #neverpayfullprice #coupon #budgeting #personalfinance #budget #save #savingmoney #debtfreecommunity #frugalliving #free #savetime #onlineshopping #debtfree #clearance #shopping #extremecouponing #couponer #frugal #business #savemoneylivebetter #sale #bhfyp
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