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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                      Student loan calculator and financing life in the quad

                      by Penina Petersen
                      March 22, 2016
                      in Bills & Budgeting, Investment, Mind
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                      Student Loans | Financing life in the Quad
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                      Student loans weren’t around for the most part of my uni education, but the good old-fashioned calculator was. The NZ Government introduced student loans in my final year, which was the year I decided to skip town. I chose the more exciting alternative of partying it up in Sydney, which was enticing compared to scratching my head during a stressful exam. Boy did I regret that move after returning to discover that my days of free education were over.

                      I didn’t want a student loan

                      My punishment for running away was to work three jobs to pay for the last leg of my undergraduate degree. A loft above a printing factory was home and the production warehouse for Xena the Warrior Princess was next door. I remember the weary crawl into bed at 9.30pm every night, up a rickety ladder. My get-out-of-debt plan was to work 9am to 9pm, seven days a week. I would work through summer for as long as I could handle it.

                      Yep. I really needed the money.

                      Tip: Need a calculator? There are plenty in the Calculator category in the Savings Room!

                      Living on a budget to avoid getting a student loan

                      I finally figured out that the room in the flat was a bargain for two reasons:

                      Firstly, printers wake before sunrise and turn on large, extremely noisy mechanical contraptions (called printing machines… derr….) that are deafening.

                      Secondly, the cast and crew of a TV show about a warrior princess (our lovely Xena) also rise early at around 5am. They spend their mornings making human, as opposed to machine-driven, screaming noises. This would be fine if I hadn’t been in a self-induced, work-myself-to-death, coma then. For a moment, this state-of-being caused me to forget where I lived, who I was, and why I was where I was.

                      In this moment, the Xena show screams would seem real and I would wake in a panic. Actually they were real. The actors chasing Xena around that warehouse were screaming – for real – on the other side of my bedroom wall.

                      Shortly after waking, I would realise that not only had I been rudely awakened by machines and warriors, but I was not a star of anything – not even my own show! That my life as a non-star was crap, crap….and so, so…CRAP!

                      That’s about the time I would roll over and imagine Fiji or go to a place in mind I reserve for pretty fairies. I would try to forget Xena by pulling pillows over my ears. Nevertheless, even if I couldn’t hear Xena and her warriors; the fairies in my head would look like her. I just couldn’t get the machines, or Xena or those noises out of my head.

                      What happens with Xena and a mortgage calculator meet
                      What happens with Xena and a mortgage calculator meet

                      The last straw in my unhappy mornings, as a broke student, would happen on my way out the door. I would say a rushed hello to my flatmate (the printer guy) who I barely knew. Our conversations were always loud because we’d be yelling above his always-switched-on, badder-than-bad-ass, printing machine.

                      On my way to the car, I would almost trip over one of Xena’s paper mache rocks. And so my day would begin….

                      Life lesson: Unfortunately my calculator couldn’t tell me that movie sets are noisy at 5am in the morning!

                      Working 24/7 to avoid student loans

                      My seven-day week at work consisted of being a customer-service-rep by day and waitress by night. I spent my weekends working at the local markets selling hats, pottery and gourmet garlic-chili mussels. (OMG the mussels were AMAZING and a silver lining in my sad working-too-much life.)

                      At the markets, I made friends with other overworked multi-faceted people. The woman in the stall to the right of me (selling Balinese-wear) was an award-winning country music star, aerobics instructor and dental assistant. She let me name her second album – nice of her. The Chinese man, selling handbags to the left of me, turned out to be a surgeon. He was waiting on a license to practice medicine in NZ. Finally there was the woman spruiking Whoopee Cushions behind me, whom I later discovered went on to become a millionaire! Wow! I was in the wrong game.

                      As far as Uni went, I remember the days without student loans the best. I’d spend my days wagging lectures, drinking coffee in the quad café and playing Please Release Me (by Def Leppard) on the jukebox. We’d play the song to clear tables because it was such a loud song for a small cafe. The result was a mass exodus of café-goers and the guarantee of a seat each. It was a cheeky and effective trick.

                      Back then, there were no mobile phones or tablets. We’d do an odd thing and talk, to each other, across a table, without anyone downloading an app, or playing on Facebook or text messaging their mate. I also remember the white Safari suit I went nightclubbing in and when my nifty typewriter became a word processor. Times have changed, but my time at typing school was never wasted. I sure am happy about that.

                      Note: I am still using an old-fashioned calculator. One of those nice oversized ones!

                      Fashion, boys and music

                      Anyway, topics at the café table never centred around student loans. They included three general topics, which were far more important: fashion, boys and music. Occasionally, we would discuss politics, history or the philosophy of art, but the conversation would always revert back to fashion, boys and music.

                      Action it:  Work out the cost of being a student > Scroll down to access the calculator

                      Culture and travel

                      Eventually, my friends and I graduated, and we went traveling. Travel adventures added culture to the mix of fashion, boys and music. With much delight, I discovered that the world was full of wonderful adventures. I settled in Japan for four years where I discovered a teaching English gig which allowed me to work short hours, sleep in until midday, and sing Karaoke until 5am. I ate ‘Fugu’ (poisonous Pufferfish), learned to speak with my hands and taught myself impressive sentences like:

                      Kon ya wa, hoshii ga – kira kira kagaite imasu! (Tonight, the stars are shining glitteringly!….)

                      In addition, my Japanese students would take me out for free Gyoza and Sukiyaki dinners, put me up in flash hotels and take me on their family skiing holidays in Nikko. I would do all of the above whilst getting paid $50,000 USD a year and working 25 hours a week!

                      I wasn’t coming home in a hurry to a real job, in a western world. I was living like Xena the TV Star in Japan and loving it!

                      Eventually, time and family brought me home but returning home was a shock. It was time to get real.

                      It was time to dig out my old calculator and work out the damage!

                      The cost of being a student

                      Fast forward a good 15 years, and now I am a busy mother of two. I’m looking back on those years and wondering how I can help my little ones get the valuable education they need. I don’t want them to go through the financial hardship I had to go through.

                      Take a look at the following infographic to see what students are facing in this era.

                      Cost of Being a Student in Australia – An infographic by the team at vouchercloud

                      Student loans in the next generation

                      In terms of my kids, I can’t imagine what the cost of an education will be. The last time I checked the average age of young people leaving home was 27! More students are choosing to stay home longer to avoid the expenses associated with living in shared accommodation environments.

                      So as a mum, who had babies late (my 2nd at 39), I’m figuring I’ve got a long road ahead of me. According to this statistic, my 2nd child might be living with me until I’m 66!

                      Tip: Use a physical calculator to add up your bills each month. Keep track of your money daily. 

                      Building an education fund calculator

                      As a parent of any age, it is important to plan for a child’s education. Personally, I am getting organised now so my kids can enjoy an easier ride than I did. I don’t want them to experience the too-hard side of life at Uni, working three jobs and getting woken up by bad-ass printing machines.

                      The following calculator helps to define the cost of building an education fund. I’ve set up an account at Ubank, which I contribute to regularly via direct debit. My contributions may not pay for my child’s entire education, but with compound interest, they will help my child enjoy a quieter student life than mine! One where my child studies more and works less.

                      Who knows? If my typewriter has turned into an iPad, my kids might get the chance to fly to Mars and back. Whatever their future holds; they’ll need a little help from their parents and a good education.

                      Here are some quick tips before you use the mortgage calculator

                      1. Borrowing power is only an indication not an exact measure
                      2. Banks will usually lend up to 80% of a property’s value
                      3. If you get Lenders Mortgage Insurance you’ll be able to lend up to 95% of the property value
                      4. Be sure to check the fine print such as redraw fees, early repayment fees, waivers and such
                      5. Consider smaller banks as they are often owned by larger banks anyway and can offer better deals
                      6. Consider a mortgage broker who knows the pitfalls of lending

                      Grab more calculators here

                      • Retirement Fund Calculator
                      • Allowance Comparison: Calculator
                      • Mortgage Payment Calculator
                      • Emergency Fund Calculator

                      Tags: budgeting calculatorcalculatorcalculator onlinecalculatorscheap things to do with the kidschildrenfinance calculatormoney calculatorstudent lifestudent loans
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                      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 ...

                      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 ...

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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

                      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 ...

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                      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 ...

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                      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

                      Open
                      #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

                      Open
                      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

                      Open
                      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

                      Open
                      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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