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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                  T’is The Season To Be Thrifty In July

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                  Piggy Banks & Savings Accounts Aren’t The Only Path To A Fatter Wallet

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                      Food delivery | 45 ways to save on groceries this Xmas

                      by Penina Petersen
                      December 10, 2018
                      in Christmas, Groceries, LIFESTYLE
                      0
                      Food delivery | 45 ways to save on groceries this Xmas
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                      Food delivery is one way to save on groceries this Christmas. Firstly, buying groceries from the comfort of a couch through a food delivery service like Coles Online is relaxing. What is more relaxing and enjoyable is sorting items by price and then discovering that you’ve saved over $100 because you didn’t get sucked in to all that marketing in-store.

                      But just because you are into saving hundreds of dollars, this doesn’t mean you have to look and act like a Scrooge this Christmas. You can still sing Christmas carols and gorge on Christmas pudding, even if you are cutting back considerably on your grocery spend by using tactics like shopping online and food delivery.

                      You can save hundreds of dollars at Christmas this year and do it all with a happy-Elf smile on your face.

                      Food delivery is a sneaky trick indeed

                      There are plenty of sneaky tricks for stocking your fridge with cheese delicacies, custards, creams, trifles and truffles. But it is possible to do this on the cheap and without the typical stress associated with Christmas grocery shopping.

                      Just like Santa puts his brakes on to stop on a roof, make sure, when shopping at Christmas, that you exercise the same caution with your sack full of cash!

                      Actually, consider this:

                      Would you take an entire Santa sack of cash to the mall or would you prefer to dip into the sack of cash and just spend a handful of the money? Keep this visual in mind. Because your bank account is a whole sack of cash! Here’s a tip: Withdraw a certain amount and just take that. Set a budget.

                      Nifty little tricks for saving on groceries at Christmas include thinking ahead and getting jobs done before the madness starts.

                      If you are not organised at Christmas you will:

                      • Not organise cheap alcohol online for the holiday period because the night you would have done that, there was a school Xmas concerts to clap at followed by a work party.
                      • You won’t remember to check the bargain bins at supermarket because you were too stressed thinking about which present to buy whom, for how much and where. That’s because you didn’t write a list and execute it in November.
                      • You might grab a bunch of chef-endorsed Christmas recipe cards in a mad attack of Xmas panic, which include too-expensive ingredients.

                      Here’s my cheat sheet on how to save money on Christmas shopping this year. It includes 45 hot tips on how to save money on grocery shopping this Christmas.

                      Here are some other sneaky tricks like food delivery


                      45 ways to save on groceries this Xmas

                      Alcohol

                      Purchase alcohol ahead of time and in bulk from discount retailers.

                      Bargain bins

                      Check out the bargain bins in supermarkets at Christmas for further savings.

                      Bulk discounts

                      Shop for food at bulk discount stores like Aldi and shop strategically with a list.

                      Chef endorsed

                      Beware supermarket recipe cards. Prices for ingredients may be inflated.

                      Chocolate pudding

                      Make a chocolate instead of plum pudding to reduce costs. The kids will love you.

                      Christmas club

                      Earlier in the year join a Christmas club for delivery of a grocery hamper at Christmas.

                      Christmas co-op

                      Create a Christmas food co-op through Meetups.com. Buy ingredients in bulk and swap.

                      Christmas Eve

                      Get huge discounts by buying food on Christmas Eve.

                      Christmas menu

                      Checkout my Easy Christmas Menu in Printables. 

                      Compare food delivery services online

                      Comparison shop

                      Try http://grocery.bestpricedirectory.com.au.

                      Cut and clip it

                      Read the paper for food deals and coupons around Christmas time.

                      Eat alternatives

                      Be happy to eat alternative but still delicious food. E.g. Chicken with cranberry sauce!

                      Eat first

                      Never do Christmas grocery shopping when hungry. You will buy unnecessary food.

                      Eat out

                      Eat at a restaurant on Christmas day. It can be cheaper and is less stressful.

                      Fishmonger

                      If you have a great fishmonger in your area, share their details here.

                      Frozen seafood

                      Buy frozen seafood or buy seafood on Christmas Eve.

                      Frozen turkey

                      If you buy a turkey buy a frozen one and only buy the size you need.

                      Generic platter

                      Don’t buy fancy packets. No one can tell it is a generic brand on a nice platter.

                      Give them veggies

                      Use veggies to fill up platters. They look stylish and are cheap and healthy.

                      Go crackers

                      Rice crackers and other nibbles bought at bulk grocery stores is much cheaper.

                      Go the BBQ

                      Have a BBQ at Christmas. BBQs are cheaper, simple and fun!

                      Good party trick

                      Hide generic packaging before your party guests arrive. They will never know!

                      Keep it simple

                      Do not buy more than you need. Make sure you can eat the leftovers.

                      Make dip

                      Buy the ingredients on a dip packet.  Make cheap dip from scratch and get double the dip!

                      Make sweets

                      Make your own Christmas cake, pudding and mince pies. This is cheap and fun.

                      Meat for platters

                      Deli meats are expensive. Buy these meats in bulk and slice them up yourself.

                      Meat wholesalers

                      Source local wholesalers. They often advertise in local papers. Save up to 50 percent.

                      Nibbles platters

                      Arrange your own nibbles platters. Do not buy supermarket platters.

                      Nice lunches

                      Plan lunches with leftovers you know you will have.

                      Nice tradition

                      Make your own food. It is much cheaper and a nicer tradition.

                      Party food

                      Costco offer a great selection of bulk-buy party foods and bulk-buy gourmet cheeses.

                      Pavlova

                      Make your own Pavlova and save.

                      Plan leftovers

                      Check out our 50 simple ways to use up leftover Christmas ham in Turbo Tips.

                      Plan menus

                      Plan your entire Christmas menu before shopping. Check out my Easy Christmas Menu.

                      Pot luck Christmas

                      If you are hosting Christmas organise a potluck Christmas. You can split the costs.

                      Read junk mail

                      Read junk mail and clip the coupons. But be aware. Do not buy ‘just because.’

                      Service person

                      Ask at the service desk about any discounts on offer to special customers like you.

                      Set a budget

                      Set a budget for Christmas day food. E.g. $200. Stick to it.

                      Shop alone

                      Go shopping alone without children, friends or family members. Make clearer decisions.

                      Shop online

                      Buy your list online and sort by price. Save time and money.

                      Simple food

                      Commit to a simple Christmas. Don’t buy food just because it is tradition.

                      Turkey pieces

                      Buy frozen turkey pieces instead of the whole bird.

                      Use-by specials

                      If you buy on Christmas Eve you can take advantage of use-by specials.

                      Wholesale Turkey

                      Look for a wholesale poulterer in your area to buy your Turkey.

                      Wholesale wine

                      Check out our 65+ awesome ways to save on alcohol quick list for saving on drinks.

                      Tags: budget helpbudget ideasbudget tipsbudgetingbudgeting helpbudgeting hints and tipsbudgeting toolscheap groceriescheaper groceriesfood and groceriesfood deliverygroceriesgrocery shoppinggrocery shopping tipshow to budgethow to save money on grocerieslifestylelifestyle choicessave money at the supermarketsave money on groceriessave on groceriessaving money on groceriesshop onlinesupermarket shopping tipsxmas shopping tips. christmas shopping tips
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                      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

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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

                      Open
                      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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                      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

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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

                      Open
                      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

                      savingsroom

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

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                      Mar 19

                      Open
                      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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