I had a wonderful and relaxing brekky in bed made ...

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May 9

I had a wonderful and relaxing brekky in bed made with love by Richie and Coco. Followed by a movie morning with Coco. Lots of mummy and daughter cuddles 🥰 while we chatted on Messenger to my mum in NZ. Now Saxon (who had to work this morning) is driving the whole family to see Nanna. Having a lovely lovely day :-) Happy Mothers Day to all the beautiful Mums here. Hope you got a nice rest today!!!!

You may have noticed on Wife Swap that Coco has a ...

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May 7

You may have noticed on Wife Swap that Coco has a super bright pink school bag. This bag is such a daily lifesaver! Even with my poor eyesight I can still spot Coco miles away from my car, due to her super bright backpack. It's great! If your child's school allows another colour for a bag, I highly recommend this!

Here's some healthy meal prep inspiration. Be...

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May 3

Here's some healthy meal prep inspiration. Be sure to checkout my full meal prep board. You'll find it on the home page at the Savings Room. Lettuce, rice, marinated honey soy chicken, corn kernels and beans. Add some lemon, garnish, season with pepper and enjoy!

My little $23 clothes drawer makeover is complete....

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Apr 29

My little $23 clothes drawer makeover is complete. I hope you like it! Drawers $20 and pics $3 from my local second hand shop (tip store haul yesterday). #roommakeover #drawers #pineapples #chair #cushions #renovation declutter #clarity #relaxchair #homedecor #cushions #fluffycushion #peninapetersen

Checkout all the goodies I found for $50 at my ...

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Apr 28

The people who know me personally know our family ...

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Apr 26

The people who know me personally know our family certainly know how to have fun and a laugh. For those who still need convincing Coco and I are attempting our first ever 'Yes Day' in the name of injecting more fun into this Saturday. Admittedly, I'm worried. But, I am sure it will be so much fun. I can't wait to see what happens. We've done coin-flipping unplanned adventures in the past, but this may take that idea to a whole new level!!!! I'm excited!

Hello!!!! Been head down working on the book. I ...

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Apr 26

Hello!!!! Been head down working on the book. I hope I can get it out soon. I want another train 🚊 holiday with Coco!!! .#writer #writing #adventure #peninapetersen

I use this hack every time I shop using Google ...

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Apr 23

I use this hack every time I shop using Google Shopping. I start with the lowest price I would be prepared to pay for something and then move up from there depending on what I find. It's a surefire way to save thousands of dollars every year.

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

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Apr 16

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

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

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Apr 16

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.

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Living The Good Life Without The Guilt

by Penina Petersen

December 7, 2017

Just because I’ve made a career out of penny-pinching, doesn’t mean that I don’t occasionally get swept up in the fantasy of a luxury lifestyle. If you’ve ever made the...

Most Commonly Overlooked Boating Expenses

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Most Commonly Overlooked Boating Expenses

by Penina Petersen

December 27, 2018

Owning a boat is effectively the same thing as flushing your money down the toilet, but if you buy a boat you have the luxury of funding the boat mechanic...

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I had a wonderful and relaxing brekky in bed made ...

View

May 9

I had a wonderful and relaxing brekky in bed made with love by Richie and Coco. Followed by a movie morning with Coco. Lots of mummy and daughter cuddles 🥰 while we chatted on Messenger to my mum in NZ. Now Saxon (who had to work this morning) is driving the whole family to see Nanna. Having a lovely lovely day :-) Happy Mothers Day to all the beautiful Mums here. Hope you got a nice rest today!!!!

You may have noticed on Wife Swap that Coco has a ...

View

May 7

You may have noticed on Wife Swap that Coco has a super bright pink school bag. This bag is such a daily lifesaver! Even with my poor eyesight I can still spot Coco miles away from my car, due to her super bright backpack. It's great! If your child's school allows another colour for a bag, I highly recommend this!

Here's some healthy meal prep inspiration. Be...

View

May 3

Here's some healthy meal prep inspiration. Be sure to checkout my full meal prep board. You'll find it on the home page at the Savings Room. Lettuce, rice, marinated honey soy chicken, corn kernels and beans. Add some lemon, garnish, season with pepper and enjoy!

My little $23 clothes drawer makeover is complete....

View

Apr 29

My little $23 clothes drawer makeover is complete. I hope you like it! Drawers $20 and pics $3 from my local second hand shop (tip store haul yesterday). #roommakeover #drawers #pineapples #chair #cushions #renovation declutter #clarity #relaxchair #homedecor #cushions #fluffycushion #peninapetersen

Checkout all the goodies I found for $50 at my ...

View

Apr 28

The people who know me personally know our family ...

View

Apr 26

The people who know me personally know our family certainly know how to have fun and a laugh. For those who still need convincing Coco and I are attempting our first ever 'Yes Day' in the name of injecting more fun into this Saturday. Admittedly, I'm worried. But, I am sure it will be so much fun. I can't wait to see what happens. We've done coin-flipping unplanned adventures in the past, but this may take that idea to a whole new level!!!! I'm excited!

Hello!!!! Been head down working on the book. I ...

View

Apr 26

Hello!!!! Been head down working on the book. I hope I can get it out soon. I want another train 🚊 holiday with Coco!!! .#writer #writing #adventure #peninapetersen

I use this hack every time I shop using Google ...

View

Apr 23

I use this hack every time I shop using Google Shopping. I start with the lowest price I would be prepared to pay for something and then move up from there depending on what I find. It's a surefire way to save thousands of dollars every year.

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

View

Apr 16

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

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Here's a great hack if you love second hand ...

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May 7

Here's a great hack if you love second hand shopping. Take the challenge!

If you have a lot of transactions but you are ...

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May 3

If you have a lot of transactions but you are super busy and don't have time to go through each one, this is the fastest way to stop the madness until you get time to sit down and go through them. You will likely receive an email about the decline. You can catch each one and deal with them as they come through. I hope this helps you find some extra cash fast. Subscriptions have a way of creeping up on all of us!

I use this hack every time I shop using Google ...

View

Apr 23

I use this hack every time I shop using Google Shopping. I start with the lowest price I would be prepared to pay for something and then move up from there depending on what I find. It's a surefire way to save thousands of dollars every year.

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

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Apr 16

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

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

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Apr 9

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.

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

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Apr 8

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

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

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Apr 8

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

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

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Apr 2

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

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Mar 30

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

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