peninapetersen

Can't wait to start our adventure. I'm ...

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Can't wait to start our adventure. I'm excited!

peninapetersen

A little Tuesday morning inspiration :-) ...

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A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
 Auto Post 9:44 AM (AEDT)

peninapetersen

Had an amazing weekend at this amusement festival ...

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Mar 1

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Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

peninapetersen

I'm still very much a kid at heart. I still ...

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Mar 1

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I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

peninapetersen

Finally got my hair and eyebrows done. It was so ...

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Feb 28

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Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

peninapetersen

Me too! I must have flowers, always, always! Thank...

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Feb 28

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Me too! I must have flowers, always, always! Thank you Monet.

peninapetersen

Love this delicious smoothie bowl with fresh ...

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Feb 27

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Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

peninapetersen

Lacking motivation? I keep a gym box so on any day...

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Feb 26

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Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

peninapetersen

I loved this home project. Firstly, moving books ...

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Feb 26

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I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l

peninapetersen

Want to save but don't know where to start. ...

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Feb 25

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Want to save but don't know where to start. Go old school with these simple jars. Savings is a habit. These are a quick way to kickstart your mind into saving. Think outside the square. Sometimes you have to spend a little to save alot. More on this to come. I've got some amazing goodness for you. Auto Post 4:23 PM (AEDT) Save Changes
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                      Kill debt fast with these money saving tips

                      by Penina Petersen
                      February 6, 2021
                      in Bills & Budgeting, Latest, MONEY, Save Money
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                      Kill debt fast with these money saving tips
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                      Some experts suggest people should save up to 30% of their income. But this goal is lofty. The majority of punters will find this unrealistic with the cost of living now. Consumers struggle to put food on the table, let alone put savings away each week.

                      1. Don’t leave yourself short

                      No individual, couple or family like to leave themselves short. So many people are living ‘week-to-week,’ with some even relying on credit to get there.
                       
                      Putting savings away isn’t always the best option either. If funds are of better use elsewhere, locking them away can be detrimental.
                      schuldnerhilfe / Pixabay

                      2 Expect the unexpected

                      Maybe your fridge just died like mine did?
                       
                      You will need to replace this big ticket item quickly. Otherwise, you’ll have the drama (I’m having) of not being able to do full grocery shops. Don’t worry. We’re on this mission now!
                       
                      But not everyone has the money to replace a broken appliance immediately. Instead, call a company who offer expert repairs and cooking appliance services.
                       
                      Tip: This can work out a more affordable than replacing the unit altogether.
                       
                      Either way, you may have to dip into current savings or not save at all this month.
                      jill111 / Pixabay

                      3. Save an emergency fund

                      If you were smart, you would have an ’emergency fund’ saved for these unlikely events. If you do have an emergency fund, you’ll be ready for issues like this as they occur.
                       
                      Tip: Deal with problems like this as they happen. Otherwise, you’ll get a false sense of your finances. You risk even spending your precious fridge or ‘fix-your-fridge’ money.
                       
                      The same applies to any other big ticket items. You might need holiday spending money or to pay for a child’s after-school activities.
                       
                      Here’s one scenario to avoid:
                      • Set aside too much money into a long term savings account
                      • Realise you need a big ticket item
                      • Use your credit card to survive until pay day
                      • Have to pay fees to pull your money out of savings
                      moritz320 / Pixabay

                      4. Go on a mission to clear your debts

                      Got debt that’s accruing interest, such as credit cards or store accounts? Clear all debts before starting to save money. This just makes financial sense.
                       
                      Here’s another scenario:
                      • Invest $1000 in savings account that increases to $1,020. Note: This can be more if you find a better deal, but rates are still hovering below the 2% mark.
                      • A debt of $1,000 (at an average of standard rates 13.99%) will cost you an extra $399 per year roughly.
                      Better to take the $1000 in savings and clear the debt!
                       
                      Tip: If you have debts on 0% deals, then you’re good-to-go – of course. Just make sure you keep up-to-date with monthly payments. Otherwise, you’ll pay the price when the standard interest rate kicks in!
                      PixelMakerEric / Pixabay

                      5. Shop around

                      Make sure you get the best deal on the one savings account you have. Shop around and make sure your savings account is working for you. Many online banks are a great solution because many don’t charge bank fees. If you get an account like this you won’t be eating up those savings in monthly bank fees. This is counterproductive.
                      FirmBee / Pixabay

                      6. Make an effort

                      Anything great requires effort. So learn the best ways to save and pay attention to your money. If you don’t do this, you might as well walk up to a rubbish bin and throw your wallet in there.
                       
                      This is especially true if you go with a savings account linked to the stock market. You need to set time aside for watching rates. Hunt down better account deals and make the most of the money you’ve set aside from everyday expenses.
                      Unsplash / Pixabay

                      7. Form a money-saving habit

                      Tip: Saving money is a great habit. Even if it’s $10 a week. If you ever apply for a loan the banks will love that you’ve made the effort.
                      They like to see a ‘track record of saving money.’ Saving money is better than having the money and frittering it away in a random spending attack.
                      nosheep / Pixabay

                      8. Be realistic

                      Weigh up your options. Put a little away and also look how you can get your money working for you.
                       
                      Here are two ways:
                       
                      1. Put extra into your superannuation or mortgage
                      2. Throw your money into a home renovation
                      3. Spend extra each month on bulk cooking to save each week
                       
                      There are many ways to ‘save money’ and they aren’t always as obvious as ‘putting money in a bank account.’
                      DzeeShah / Pixabay
                       
                      Thanks for listening and happy saving, whichever path you choose!
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                      Can't wait to start our adventure. I'm ...

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                      Can't wait to start our adventure. I'm excited!

                      peninapetersen

                      A little Tuesday morning inspiration :-) ...

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                      A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
 Auto Post 9:44 AM (AEDT)

                      peninapetersen

                      Had an amazing weekend at this amusement festival ...

                      View

                      Mar 1

                      Open
                      Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

                      peninapetersen

                      I'm still very much a kid at heart. I still ...

                      View

                      Mar 1

                      Open
                      I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

                      peninapetersen

                      Finally got my hair and eyebrows done. It was so ...

                      View

                      Feb 28

                      Open
                      Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

                      peninapetersen

                      Me too! I must have flowers, always, always! Thank...

                      View

                      Feb 28

                      Open
                      Me too! I must have flowers, always, always! Thank you Monet.

                      peninapetersen

                      Love this delicious smoothie bowl with fresh ...

                      View

                      Feb 27

                      Open
                      Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

                      peninapetersen

                      Lacking motivation? I keep a gym box so on any day...

                      View

                      Feb 26

                      Open
                      Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

                      peninapetersen

                      I loved this home project. Firstly, moving books ...

                      View

                      Feb 26

                      Open
                      I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l
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