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

peninapetersen

Heading to the beautiful Grampians region for an ...

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Apr 5

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Heading to the beautiful Grampians region for an adventure with Coco. We are having so much old school fun on this country train. Reading books, drawing silly pictures and chatting on. We had an early rise for this trip. The train is not crowded at all - which is great. We will post more of this adventure as we go. We hope you enjoy riding with us today!!!! Xoxoxo #train #Ballarat #countryvictoria #visitvictoria #Melbourne #VictoriaAustralia #happiness #mumanddaughter #havingfun #thepetersens #petersenfamily #travel #traintravel #fun #wifeswapaustralia #wifeswapau
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                      Christmas shopping | 75 smart budgeting tips for Christmas

                      by Penina Petersen
                      December 10, 2018
                      in Bills & Budgeting, Christmas, LIFESTYLE, Shopping
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                      Christmas shopping | 75 smart budgeting tips for Christmas
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                      In terms of Christmas shopping effectively it is worth thinking outside the square and having a good think about how you get a lot for little. Since Christmas is such a sharing and caring time of year, it is worth getting mates to help out, asking people what you want, and finding tactics for avoiding gift-buying and shopping altogether. This doesn’t mean you have to kill off the Christmas spirit. No, that’s no fun. Instead get sneaky, savvy and super-strategic with it.

                      Use your mates for rates when Christmas shopping

                      Mates are good for many things. You could have a drink with a mate and work out all the problems of the world. For the price of a slab of beer or bottle of wine, mates are the cheapest therapy around. Sit in the shed and figure out how to make your business better. Brainstorm about fantastic ideas. Paint a room in your respective houses and watch your properties go up in value.

                      So when it comes to Christmas do the same! Take a good look around your mates and figure out who works where and see if you can use your mates rates. I’m thinking of a girls day out with my friend who gets a discount at Coles. Coffee? You can also join forces with people and buy in bulk. Find people in your neighbourhood on Facebook or places like Meetup and get purchasing in bulk. Many companies are willing to give discounts to larger groups.

                      Ask around and save on presents

                      Write up your Christmas shopping list and then spend the time asking people what they want for Christmas. There is no point in buying a useless gift. This is a big time and money waster. Unless you plan on buying cheap token gifts for everyone, it is worth being a bit of a nag so that your hard-earned and precious money doesn’t get ripped up and flushed out of your life.

                      You could also avoid buying gifts altogether. People get away with this every year. Some people avoid Christmas altogether by booking a holiday to Fiji! This way they avoid buying gifts. They also don’t receive any – but hey! Money is saved and that trip to Fiji may have been spent on gifts! So Fiji is a bit of a win-win for those traveling!

                      Alternatively, only buy for those people who will be at your Christmas shin-dig. You could go with the rule that if you are not going to see people, they are not going to see a gift from you. Send a lovely card before Christmas day and leave it at that!

                      Pick your Xmas parties

                      There are so many parties to go to at Christmas and while they are all fun, try to avoid going to all of them. Pick the best ones and then limit the amount spent on each party.

                      Book out time in your calendar so that when people call you, you can look at your calendar and sound truthful about the fact that you are booked! Fake events if you have to. Being ‘double-booked’ just makes you sound super popular anyway.

                      If you want more fab tips on how to budget at Christmas, check out this cheeky cheat sheet on how to get more cash in your stash. Keep this list handy when budgeting for Christmas or read it before venturing out to do your big Christmas shop.


                      Here’s my big money-saving list

                      75 hot budgeting tips for Christmas

                      Ask mates for rates

                      If you have friends that work in retail use their discount privileges.

                      Ask what people want

                      Ask what people want so you don’t waste your money and they are happy.

                      Avoid buying gifts

                      If you will not see friends or family at Xmas hold off on buying presents. Send cards.

                      Avoid parties

                      Avoid going to too many Christmas parties. Tell people you are double booked.

                      Avoid shopping

                      Avoid large shopping centres if possible. Shop at markets and online.

                      Be strong

                      Be strong. Be tough. If you can’t afford it, you shouldn’t buy it.

                      Budget, budget, budget

                      Make a budget and make sure you stick to it.

                      Buffer your budget

                      There are always unexpected gifts and events. Add a buffer to your budget.

                      Buy discount online

                      Compare prices and shop online for more expensive items like perfume.

                      Buy gift cards

                      You will never get the gift wrong and your recipient can catch Boxing Day sales!

                      Buy gifts on sale

                      Buy gifts throughout the year on sale. Stick to your budget.

                      Buy group gifts

                      Buy a group gift for work colleagues. E.g. Buy a box of chocolates or bake iced biscuits.

                      Buy tinsel second hand

                      You can find boxes of tinsel at second hand shops. Put tinsel on everything!

                      Buy second hand

                      There are often brand new toys, games and clothes in Op shops.

                      Cheap Xmas trees

                      Buy Xmas trees at markets at closing time or cheap ones at op shops.

                      Check our resources

                      Check out all the resources in Printables to help with Christmas.

                      Christmas Eve

                      Shop on Christmas Eve for cards and non-perishables for next Christmas.

                      Christmas is one day

                      Remember that Christmas is just one day. It goes fast. The debt lasts a lot longer.

                      Cull your list

                      Stick to only spending on close family and friends. Cull your Christmas list.

                      Dedicate a cupboard

                      Dedicate a cupboard in the house for wrapping presents you buy through the year.

                      Dedicate time

                      Block out dedicated time for shopping and set a time frame.

                      Do not deviate

                      Deviating from your budget plan will cost money (unless you find cheaper items!)

                      Do not do top-ups

                      Closer to Christmas do not top up on presents. You will go over budget.

                      Do not use credit

                      Never use credit at Christmas. Do not start the New Year off in debt.

                      Do shopping in one day

                      Avoid the shops. Go out on one day with a shopping list. Purchase all presents.

                      Express your budget

                      Declare you budget. Tell friends and relatives you are on a budget.

                      Free shipping

                      Shop online at sites offering free shipping. Watch shipping is not hidden in the cost.

                      Get coupon happy

                      Buy coupons online to reduce spend on gifts. (See website section.)

                      Get ideas from friends

                      If you found a great gift or bargain for Christmas share it in the Savings Room.

                      Get quirky with it

                      Shop at garage sales and thrift shops for quirky and interesting items.

                      Get the present right

                      Ask your in-laws and parents to buy things the kids need and want.

                      Grab budgeting apps

                      Download Xmas budgeting apps to track your Christmas spend.

                      Hold a garage sale

                      Hold a garage sale to help increase your Christmas budget.

                      If your budget is small

                      If you can only spare $200 for Christmas that is your budget. Accept it. Work with it.

                      Keep track

                      By shopping on one day it will be easier to keep receipts and track spend.

                      Increase your budget

                      Sell stuff in our classifieds to make room for new presents and to increase your budget.

                      Keep all receipts

                      Keep all receipts for tracking your budget later if you don’t get to it while shopping.

                      Keep receipts

                      Keep all your receipts in one place. Someone might want to return the gift.

                      Keep shopping

                      Shop straight after Christmas for next Christmas if your budget allows.

                      Kris Kringles

                      Do a Kris Kringle. Get organised early. Call people to let them know the plan.

                      Lay-buy it

                      Do lay-buys for Christmas to spread your spend over the year.

                      Map bargains store

                      Be sure to map and look for bargain stores near you.

                      Milk your papers

                      Clip coupons from weekend papers all month. There are plenty of them in December.

                      More trips, less savings

                      More trips equals more spend on donuts and coffee! Factor in these extra costs.

                      Never wander around

                      Never wander around shops at Christmas aimlessly. You will overspend.

                      Online shopping

                      Make shopping online one of your designated shopping sessions.

                      Outlet stores

                      Shop at clothing outlet stores to pick up cheap bargains.

                      Photograph ideas

                      Photograph items in store of good ideas. Share them on the Savings Room Facebook page!

                      Post parcels in bulk

                      Send several presents to the one address for one relative to distribute to all the others.

                      Receipts

                      Take photos of receipts to track your spend and then throw the receipt away.

                      Reduce your budget

                      After deciding on your budget reduce it by 20 percent.

                      Research

                      Research ahead of time, compare prices, and make solid purchasing decisions.

                      Santa is poor this year

                      Explain to the kids that Santa has hit hard times so they understand more frugal gifts.

                      Save on branded goods

                      Hop online for luxury and branded goods for less.

                      Save on postage

                      For overseas guests buy gifts online in their hometowns to save on postage.

                      Set a present quota

                      Make a deal that everyone is only allowed to spend ten dollars on each other.

                      Shop at home first

                      Look around your house for new and suitable items you have never used!

                      Shop in spring

                      To spread out the cost of Christmas start buying items slowly from spring onwards.

                      Shop on Xmas Eve

                      Catch sales the week or day before Christmas day. It is much cheaper.

                      Shop on your porch

                      Gather junk mail. Cut and paste ideas into a scrapbook. Then go in for the kill.

                      Shop online

                      Buy all gifts at the same store online to save on postage and to get cash backs.

                      Spread shopping costs

                      Buy a present every month until you have all the gifts for next Christmas.

                      Start a Christmas fund

                      Set up a Christmas fund this week for next year. Put $15 away each week.

                      Stick to your guns

                      Don’t get dazzled by sales or marketing tactics. Stick to your list.

                      Swap to a Debit card

                      Swap your credit card for a debit card before Xmas to avoid overspending.

                      Talk to the kids

                      Set a limit on spending and sit down and explain your budget to the kids.

                      They will still love you

                      Don’t try to impress people. Your friends and family will love you anyway.

                      Tiny budgets

                      If your budget is only $200 shop at thrift stores and revamp old goods. Eat simply.

                      Track It

                      If you prefer paper keep a little notebook with you at all times to track your expenses.

                      Try not to gift yourself!

                      Shop online to avoid buying things for yourself. I admit I’m a sucker for this.

                      Use our planners

                      Use our Christmas Shopping Planner in Printables. Organisation equals savings!

                      Use the Savings Room

                      Use your networks for super fast and instant Christmas shopping tips.

                      Watch out for $2 stores

                      Many two-dollar stores are selling items for much more than two dollars these days.

                      Work out extra money

                      Work out where the extra money for Xmas is coming from if you don’t have savings.

                      Write budget early

                      Create your Christmas shopping budget early in the New Year for next year.

                      Your time is money

                      Place value on your time. Do not travel 3km by car to save two dollars.

                      Want more fab ideas on Christmas shopping and saving at Xmas?

                      Read more and access all these great cheat sheets!

                      • 50 things to do in your community this Christmas
                      • 50 things to do indoors this Christmas
                      • 20+ wicked ways to save on wrapping
                      • 20+ things to do in the garden this Christmas
                      • 30 totally FREE gift ideas for Christmas
                      • 40 cheap and happy eco-friendly gifts
                      • 25 cool ways to save on cards
                      • 45 things to do in your region this Christmas
                      • 30+ devious ways to save on Christmas decorations
                      • 130 little adventures in the garden for kids
                      • 45 savvy ways to save on groceries this Christmas
                      • 75+ awesome ways to save on alcohol
                      • 50 simple ways to use up leftover Christmas ham
                      • 75 smart shopping and budgeting tips for Christmas
                      • 340+ brilliant budget gift ideas
                      Tags: budget helpbudget ideasbudget tipsbudgetingbudgeting helpbudgeting hints and tipsbudgeting toolsChristmas giftschristmas shoppinghow to budget
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                      Penina Petersen

                      Penina Petersen

                      Published Author, blogger, mumpreneur and eco-warrier.

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                      freezer meals | 130 easy cook ahead dinners for the freezer

                      Freezer cooking | 130+ easy cook-ahead dinners

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                      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

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                      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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                      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

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                      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

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                      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
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                      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

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                      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

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                      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

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                      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

                      savingsroom

                      You know when you go to buy something online and ...

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                      Mar 19

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                      You know when you go to buy something online and there's a box for a coupon code? Make a habit out of opening a new browser window at that point. Search for a coupon code for the product. Often you will find one. This can add up to massive savings over a one year period. More money in the bank - yay!!! Try it this weekend if you are purchasing something online. #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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