peninapetersen

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

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Apr 16

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

peninapetersen

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

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Apr 16

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

peninapetersen

Our school holiday adventure continued. Coco and ...

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Apr 15

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

peninapetersen

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

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Apr 13

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

peninapetersen

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

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Apr 8

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

peninapetersen

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

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Apr 8

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

peninapetersen

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

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Apr 7

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

peninapetersen

#hallsgapbikehire watch this space #grampians ...

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Apr 7

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

peninapetersen

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

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Apr 7

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

peninapetersen

Travelling through Great Western home to ...

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Apr 6

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Travelling through Great Western home to Seppelt’s Winery. They do amazing underground tours here. #ngsc #Grampians #Ararat #Stawell #stawellgoldmine #headingwest #getoutoftown #fun #travel #thepetersens #petersenfamily #dayoff #holiday #happytimes #travelinspiration #bus #coach
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                      Save money on cars and vehicles | Lazy driving habits? Pay the price…

                      by Penina Petersen
                      April 19, 2018
                      in Car Tips
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                      Save money on cars and vehicles | Lazy driving habits? Pay the price…
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                      save_ (217)I’ve been on the road long enough to know that we all do it. I am sure you’ve run an orange light that turned into red. You may have lost a few demerit points over the years. You might be a squeaky clean driver who just got your first ticket. Guess what? No matter how good you think you are at driving, those cameras are out to catch you, and catch you good. And when they do, be prepared to pay $200 to $300 in a nasty little fine that has you swearing at yourself all the way back from the post box. Trust me. I’ve been there this year, and I can tell you – it wasn’t my fault – really! What is a woman to do, while waiting in the middle of the road on a green when Mr or Mrs so-and-so decides to risk an orange and guess what… they make it through! Yippee for them! And… you guessed it.. you don’t and a few weeks later..bam! $360 fine. Not my fault. Life sucks. Have you been here? I have. So if you want to completely avoid fines you gotta get savvy with it. You gotta get with the program and learn some rules, because those traffic lights sure aren’t set up so that you actually make it through them without a fine….Paranoid? Yes I am and for a reason! Check out these tips. Get paranoid and save dollars on fines this year.

                      [toc]

                      Buying a Car

                      Keep It

                      Consider not selling your car at all. Keep it until it dies.

                      Need not want

                      When buying a car ask do you really need this type of car? Assess your needs versus wants.

                      Shop online

                      Shop online instead of driving to the shops.

                      Pimp your ride

                      Buy a gas scooter

                      Fuel purchasing tip

                      When purchasing check fuel efficiency.

                      Car purchasing checklist

                      Download a car inspection checklist and go through it thoroughly. Do you have a checklist? Upload one in this category.

                      Take out insurance

                      Always take out insurance before driving your newly purchased car home.

                      Parts purchasing tip

                      When purchasing check cost of parts for the car.

                      Is the car under finance?

                      When purchasing check with REVS to check there is no finance on the car.

                      Check it

                      Always get your car checked out before making this big purchase.

                      Avoid hidden costs

                      Always buy a car with a roadworthy.

                      Is the car stolen?

                      When purchasing check the car isn

                      Leave earlier

                      Avoid traffic and petrol when driving. Avoid crowds on public transport if you are not driving.

                      Walk away

                      Be prepared to walk away from a deal to get the price you want.

                      Ownership check

                      When purchasing check the car isn’t stolen or under ownership by a liquidated company.

                      Switch rides

                      Buy an electric scooter

                      Haste makes waste

                      Grow patience when buying a car. Haste will waste much of your money.

                      Comforting thought

                      Be prepared to go for price comfort over vanity!

                      Check registration when purchasing

                      When purchasing check rego online for owner details.

                      Cheap cars for sale

                      Check our classifieds section and see if you can find a car for sale.

                      Avoid buying new

                      Avoid car dealerships. They really pump up the price.

                      Check noticeboards

                      When purchasing check out community noticeboards for cars on sale. Such noticeboards can be found at community centres, fish and chip shops and at the entry of small supermarkets.

                      Say no to finance

                      If you have to get finance you probably cannot afford it. Is there another option or a cheaper car?

                      Avoid extras

                      Extended Warranties: Avoid these extras.

                      Go hybrid

                      Consider buying a hybrid car and reduce your petrol costs.

                      Are you a city driver?

                      Move to a smaller car. You can navigate streets and parking better and save stacks on petrol.

                      Cheap accommodation

                      Station wagons make great cheap accommodation as you can sleep in them.

                      Buy a van

                      If you are constantly camping or holidaying consider a diesel van, that way you can throw a mattress in the back and sleep in it. Also good when travelling to parties and when you cannot drive home!

                      Do you need a second car?

                      Imagine life without your second car. Could you get by?

                      Buy with cash

                      Save your pennies and buy your car for cash.

                      Is a taxi cheaper?

                      Do you use your car infrequently in a city area? Are taxis cheaper?

                      Assess your reasons

                      Do not choose a car so you can show off to your friends.

                      True cost of a car

                      Add up the true annual cost of your car or cars and weigh things up.

                      Identify your needs

                      Identify what it is you really need in the new car. Is it a good stereo system? If so, it is cheaper to just pimp your old car with what you need.

                      Auctions

                      Buy a car at an auction house.

                      Buy a bike

                      Worth it for those little runs up the shops to buy milk.

                      Do you need a car even?

                      Consider not even buying a car.

                      Check government auctions

                      Check out company and government car auctions and save big dollars.

                      Stick it out

                      Simply keep your current car one extra year. Prolong the purchase and start saving.

                      Car Accessories

                      If you cannot afford a Navman

                      If you cannot afford a Navman grab some sticky Velcro and strap your mobile phone with Google maps app to the dash. A cheap alternative!

                      Safety is paramount

                      Install a first aid and emergency kit.

                      Car storage

                      Use the backs of the front seat to install hanging storage for the items. That way the car will not get so dirty day to day.

                      Make them yourself

                      Make your own car seat covers with a little creativity.

                      Car Maintenance

                      Apprentices

                      Make friends with an apprentice mechanic and get discounts on weekends!

                      Find a good mechanic

                      Get a local person to recommend a good mechanic.

                      Your mate the mechanic

                      Got a mate who is one? Offer cash for mates rate job.

                      Oil change

                      Check it and change it regularly for better performance.

                      Buy petrol on special

                      Keep a keen eye out for when petrol is discounted. Make a rule to only buy petrol on a certain discount day or when you believe it is discounted. Watch buying before or on weekends.

                      Getting quotes

                      Get numerous quotes from reputable mechanics.

                      Learn It

                      Learn how to do your own maintenance. Check out YouTube videos as a start.

                      Service it yourself and save

                      Learn how to service your own car on YouTUBE!

                      Service your car regularly

                      Do regular services and keep them logged in your car’s service book.

                      Pimp It

                      Pimp your own car cheaply! Using your creative knack and have fun!

                      Revamp an old car

                      Buy a new engine to put in your old car.

                      Check water

                      Check and change water in your car on a weekly basis to keep car performance at a premium. This saves dollars.

                      Tune It

                      Get your car tuned or learn how to tune it yourself.

                      Winter maintenance

                      Prepare your car well to ensure no accidents in Winter, especially if you live where it snows.

                      Bug protection

                      Protect your car from bugs by placing flywire over the grill.

                      Cleaning

                      Mud on fiberglass, plastic or aluminium

                      You can get mud off fibreglass, plastic or aluminium by mixing vinegar and baking soda together. Make a paste with it and then put onto the surface. Then wash off the mix with soapy water and rinse.

                      Brighten carpets in your car

                      Add vinegar to water and brush lightly. Wipe down with water on a towel.

                      Carpet spot cleaner

                      Add diluted vinegar and a little detergent onto urine stains from your pet in the carpet. This will remove the odour and help to remove the stains.

                      Carpet stains in the car

                      Combine one teaspoon of detergent, one teaspoon of vinegar and a litre of warm water. Spot clean your carpets using a soft brush or a coarse flannel.

                      Carpet steam cleaner

                      You can add vinegar to your portable steam cleaner to reduce soap bubbles and increase the effectiveness of the clean.

                      Coins lying around the car

                      Soak in straight vinegar overnight to make them shiny.

                      Sharing a coke with Sharon?

                      Were you sharing a coke with Sharon and she spilled coke on herself? Well you can tell Sharon she can get that stain out using vinegar. Tell Sharon that vinegar will remove a stain from cotton, polyester and permanent press fabrics. Tell her to rub the vinegar directly on the stain and spot clean it. Tell Sharon to then wash the garment normally. Now tell Sharon that next time you share a coke with her, you would prefer that she try to be more careful. She has really created a lot of bother for herself by being so clumsy, even though she did not spill her Sharon coke on herself on purpose. Maybe next time you can share a coke with Susan. Try your luck.

                      All-purpose car cleaner

                      Vinegar, salt and water make a great all-purpose cleaner. Go nuts.

                      Clean vinyl books

                      Wipe down vinyl baby books with vinegar and water to keep them clean for baby.

                      Nozzle up your hose

                      Invest in a hose nozzle for your hose, which allows you to turn the tap on but then switch the water on and off easily as you need it.

                      Wash your car on the lawn

                      If your area permits it and you are actually allowed to wash your car, wash it on the lawn. This way the garden will get all the run off water.

                      Wash the car with a bucket

                      To really save water when washing the car, use a bucket. Start with a bucket of soap and water and then throw plain water over the car to rinse. Job done. Great!

                      Go the waterless car wash

                      There are many products in the market now that make it possible to water your car without water. A little bit like wiping down the kitchen bed with a Shammy and some cleaning products. Investigate them and you will get the same result and a lower water bill.

                      Go the commercial car wash

                      Commercial car washes generally use recycled water. These are a good solution because you can scrape up all the spare coins around the house, get your car washed in a happy and easy environment and also you will get a nice present in the mail. A smaller water bill!

                      Use sink water to wash your car

                      if you read my post about rinsing dishes using a square bucket in the sink to capture the water. You can now repurpose this water to wash your car. Nothing gets wasted. This is a nice win-win.

                      Carrying soapy water

                      Cut the top off the milk bottle and use the bottom to carry soapy water when cleaning your car.

                      Make car polish

                      Investigate making your own polish. As a start grab our Vinegar Turbo Tip sheet.

                      Pimp It

                      Pimp your own car cheaply! Using your creative knack and have fun!

                      Get a dust buster

                      A dust buster is a great investment for cleaning your car quickly and saving time.

                      Rubbish bag

                      Hang a durable rubbish bag in your car and keep it clean.

                      Keep it clean

                      Keep a cleaning kit inside your car for spills. Clean them up as soon as they happen.

                      The best car wash

                      Wash your own car and save on carwash costs.

                      Driving habits

                      Stop when the lights turn orange

                      Do not speed up to catch lights about to turn red. You will just get caught by a speed camera.

                      Watch your idling habits

                      Do not idle your car for too long. If you are stuck in a traffic jam that is going nowhere turn your car off. Do not idle in the driveway for no reason.

                      Turn the car off

                      When you get home do not leave the car running while you are grabbing all your stuff. Turn it off and save petrol.

                      Invest in a Navman

                      Invest in a Navman so you do not waste petrol getting lost.

                      Stay in control and cruise it

                      Use cruise control to keep within limits and avoid those nasty speed cameras.

                      Slowly does it

                      Simply slow down. You will catch up to the next guy at the next set of lights anyway.

                      Be constant

                      Drive at a constant speed.

                      Buy a trolley

                      Invest in a market trolley and walk to the shops for groceries.

                      Get fit

                      Walking is a win-win-win! Fitness, savings and you are an eco-hero!

                      Avoid accidents

                      Keep your distance to avoid accidents.

                      Weekend cost saving

                      Try not driving your car for an entire weekend. Now try that again!

                      Avoid snacks out

                      Avoid the high priced snacks at petrol stations.

                      Plan for hunger

                      Plan food and snacks. Avoid expensive food stops.

                      Food box

                      Create a food box where you keep snacks and drinks. Refill it regularly.

                      Quench your thirst cheaply

                      Keep a stash of bulk buy drinks or cups and litre drinks in the car for road trips.

                      Starting your engine

                      Only start the car when you are ready to drive it!

                      It costs money to leave

                      Remember that every time you leave your house it costs you money. Evaluate every trip and get happy about staying home more. If you must the house, walk!

                      Can you go without it?

                      See if you can go without your car for a week. So see if you can go without too.

                      Three reasons

                      Have at least three reasons to drive somewhere.

                      Bulk errands

                      Run errands in bulk once a week. Plan your trips.

                      Limit city driving

                      Do you really need to go into the city at rush hour? Assess your needs. Can you take the train instead?

                      Plan trips

                      Organise your trip routes ahead of time to avoid getting lost.

                      Use navigation

                      Weigh up toll prices versus not taking tolls using Google Maps before the trip, your phone or your Navman.

                      Traffic light relief

                      When driving coast up to traffic lights slowly. Save your car’s brakes and avoid stopping suddenly.

                      Petrol saver

                      Keep under 60km to save money on petrol.

                      A good habit

                      Stuck in traffic jam? Turn off your car.

                      Cheaper travel

                      Avoid tolls if you can. Sometimes it is just as fast and as cheap to avoid them.

                      It is not a competition

                      Do not be a speed demon burn people off at the lights. Accelerate slowly and save petrol.

                      Anticipate It

                      Anticipate traffic patterns to avoid accidents. Drive defensively.

                      Take a thermos

                      Avoid buying coffee in the morning. Take a coffee on the road with you.

                      Watch your travel distances

                      Brakes: Keep good travel distances. Avoid sudden stops.

                      General

                      Let your piggy bank pay

                      Start a piggy bank to pay for your annual registration costs. Also add notes occasionally. Let the piggy pay for your car registrations when they come up unexpectedly!

                      Get roadside assistance

                      Use RACV as your mechanic! First port of call anyway to troubleshoot the problems.

                      Water for engine

                      Use a recycled milk bottle to keep water for your engine.

                      Water for long trips

                      Freeze and chill recycled milk bottles and fill them with water for long trips.

                      Frozen water for Esky

                      Freeze water in recycled milk bottles and put them in the car Esky.

                      Rubbish bin

                      Cut a hole in the milk bottle opposite the handle and use as a rubbish bin in your car.

                      Emergency kit dividers

                      Cut the top off a milk bottle and use the bottom to create containers. Use multiple containers as dividers within a plastic box as an emergency kit in your car.

                      Oil holder for car

                      Use a recycled milk bottle to keep oil for your car handy.

                      Baby car kit

                      Cut the top off the milk bottle and use the bottom to create containers. Use multiple containers as dividers within a plastic box. Place nappies and emergency supplies in the boot of your car.

                      Keep a logbook

                      Keep a logbook in your car for a month to see how you are using your car. Then re-evaluate all your unnecessary trips and how you can plan trips better for saving fuel and money.

                      Lose your keys

                      Try losing your car keys for a week and see how you survive without your car? You might find ways you can use it less and save money.

                      Cut an extra car key

                      Cut extra keys to your car and keep them at home. I learned this one the hard way when I ventured out one day and lost my keys in the city. I had locked my spare keys in the car. Dumb!

                      Stay within the law

                      It saves heaps of money to stay within the law. If you don’t speed or park in illegal parking fines you won’t get fines. Simple.

                      Hire car trick

                      Catch a flight to the main city. Hire a car and drive to the smaller city. You can make big savings on flights and you also get a car to use at your holiday destination!

                      Take the day off

                      Designate one day a week to not driving. See how you go with public transport or possibly working from home.

                      Wake earlier and walk

                      If it is not too far, wake up earlier and walk the kids to school. Studies prove great benefits all round for parents, kids and fitness levels! Not to mention the money savings!

                      Walk

                      Walk everywhere you can. Reap the money and fitness benefits.

                      Take the bus

                      Take the bus it if this works out cheaper and is more convenient. Sleep on the bus or read a book and educate yourself on a new topic while you put your feet up!

                      Street travel

                      Use windows instead of air-conditioning when travelling at slower speeds.

                      Highway travel

                      Only use the air-conditioning when travelling at higher speeds on a freeway.

                      Install cameras

                      Install cameras in your car to watch the driving habits of your teenager.

                      Parking and fines

                      Walk further

                      Park on further away side streets and avoid paid parking.

                      Train it or bus it

                      Catch a train or bus into the city. Parking is exorbitant.

                      Time yourself

                      Time your absence from the parking spot to avoid a fine. Set a phone alarm.

                      School drop-offs and pick-ups

                      Never ever park in the no-stopping zone near a school.  Council cars frequent these areas and write up fines on the spot. Also be careful in the drop-and-go and 10 minute zones. They watch these too.

                      Parts

                      Source wreckers

                      Source parts at a wrecker and get professionals to install them.

                      Get parts cheaper

                      Investigate getting hold of parts yourself wholesale online if its cheaper.

                      Align them

                      Get tyres aligned and save money in the long run on car maintenance.

                      Pump them up

                      Make sure you check tyre pressure regularly for good on-road efficiency.

                      Buy parts online here

                      Visit www.autoparts.com.au for parts online.

                      Check car tyres

                      Ask your local tyre company about fuel-efficient tyres. Consider getting some.

                      Cheap car parts

                      Buy a bomb the same as your car and use for parts.

                      Air filter

                      Change and check your air filter.

                      Petrol

                      Pay at the pump

                      Pay at the petrol pump and avoid spending inside. This is also great, if you have kids. You can fill up at the pump without dragging them inside where they can nag you for expensive petrol station goodies.

                      Fill up alone

                      Do not take the kids when filling up your car. They will come into the petrol station with you and beg you for all those petrol goodies. Plan your petrol fill ups.

                      Beware cards

                      Beware supermarket litre discounts. They get back the money in grocery hikes!

                      Fill up log book

                      Become a more frugal driver and try to stretch out fill ups. Keep a calendar and log the last time you filled up to keep checks on your progress.

                      Beware fill up times

                      Beware! Petrol stations often change the cheapest day for petrol. Keep tabs on prices over a few weeks and watch if the patterns stay the same or not. Use websites and listen to media reports on the latest practices.

                      Lighten your foot

                      Try not opt accelerate quickly.

                      Live online

                      Spend a month seeing how much you can achieve online. You will be shocked at the fuel savings.

                      Tuesday petrol

                      Buy petrol on Tuesday or a day earlier in the week rather than at the weekend. Beware of stations changing the cheap day around to fool you. Check prices near you every day for a week or even put it in your logbook. Definitely be careful not to buy petrol just before a long weekend or public holiday.

                      Convert your car

                      Consider converting your car to gas for big savings on petrol.

                      Petrol cards

                      Investigate the cheapest and best cards. Do not get one if your research returns poor results.

                      Cheap gas prices

                      Check out websites offering gas prices near you.

                      For a lighter car

                      Fill up your car at a quarter of a tank to conserve the fuel pump.

                      Summer petrol savings trick

                      In summer buy petrol in the morning

                      Credit card rewards

                      If you have a card use it to grab rewards. However, do not use a card if you have to pay more for the petrol to do so. At the end of the day, nothing is really free.

                      Go a different way

                      Take a slightly longer around-the-way route to save waiting in traffic. This practice is cheaper than stopping and starting your car.

                      Use good petrol

                      Use the right petrol. Premium petrol gives better performance and hence can be cheaper in the long run.

                      Winter petrol savings trick

                      In winter only fill your tank to half full.

                      Check gadget reviews

                      Petrol saving gadgets are a bit of a farce. Check out reviews of them.

                      Petrol trick

                      Do not buy petrol on weekends. It is much more expensive.

                      Check the back of dockets

                      If you get vouchers with your shopping use them!

                      Only fill up half the tank

                      Try only filling your tank to halfway. Fuel is heavy! It costs you more to carry it around.

                      Re-evaluate each year

                      With rising petrol costs it is well worth re-evaluating the type of car you drive and for what purpose.

                      Even if it is cheaper

                      When gas is cheaper still drive conservatively.

                      Share your petrol finds

                      Send your petrol finds to networks near you to help them save money!

                      Find cheap petrol

                      Visit www.motormouth.com.au for where the cheapest petrol is.

                      Share with friends

                      Ask a mate for a lift. Share petrol costs.

                      Do your research

                      Research the most fuel-efficient cars the next time you buy a car or consider selling your current gas guzzler if this works out to be worth it for you.

                      Go diesel

                      Check out diesel cars for economy.

                      Job hunting trick

                      When applying for jobs go for jobs with cars included. Huge benefit!

                      Work out employment costs

                      Generally work out the full cost of going to work, including travel in your car. I recently turned down a great paying job opting to continue working from home after working out all the hidden costs and what I would really make per week by leaving home. It really pays to work out all your costs on a spread sheet and to weigh up the pros and cons of venturing out to work. Have you considered working from home? Starting a business? Suss out your options for a nice balanced life.

                      Make your car lighter

                      Remove heavy items from the car if you are not using them. For example, remove a heavy pram from the back of your car when you are not using it. Consider switching to a light stroller for daily use.

                      Negotiate with your boss

                      Negotiate four longer days instead of five shorter ones with your boss. Save on petrol and the general costs of travelling to work and back.

                      Work by bike

                      There are many more people riding bikes now to save money and get fit so why not give it a go. Consider cycling to work and reap the health and savings benefits. Then you will know that you did not spend your first hour at work paying for you to get there!

                      Negotiate again

                      Try negotiating working from home one or two days.

                      Do you really need it?

                      Avoid using the roof rack or lose it altogether.

                      Save on parking

                      Carpools also save money on parking

                      Carpool

                      Get more life out of your vehicle.

                      Start a carpool group

                      Network on Facebook or sites like meetup.com to find a carpool group near you.

                      Selling a car

                      Great website

                      Try out www.carsales.com.au when buying or selling a car.

                      Take a great photo

                      When selling drive your car to a great location to photograph it.

                      Polish trick when selling

                      Cut and polish your car before selling it. This is well worth the money in the big picture of the sale.

                      Tags: auto and carscar insurancecarscheap car insurancecheapest car insurancecheapest car insurance australiacompare car insurancerental car insurance car insurance tipssave money on car insurancesave on car insurance
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                      Welcome to the Savings Room

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                      peninapetersen

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

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                      Apr 16

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

                      peninapetersen

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

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                      Apr 16

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

                      peninapetersen

                      Our school holiday adventure continued. Coco and ...

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                      Apr 15

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

                      peninapetersen

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

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                      Apr 13

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

                      peninapetersen

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

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                      Apr 8

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

                      peninapetersen

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

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                      Apr 8

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

                      peninapetersen

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

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                      Apr 7

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

                      peninapetersen

                      #hallsgapbikehire watch this space #grampians ...

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                      Apr 7

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

                      peninapetersen

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

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                      Apr 7

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

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

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                      Apr 16

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

                      savingsroom

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

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                      Apr 9

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

                      savingsroom

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

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                      Apr 8

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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
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