Hello Everyone,
Welcome to Saturday Savers Club with Susie-Saver!
Check the Golden Pig Tip below for News about the NO-BUY month coming in September.
So exciting - how much extra can we save? 😍
Autumn Challenge - Week 2 - Save $100!
| Week No | Amount | Week No | Amount |
|---|---|---|---|
| 1 | 1.05 ❤️ | 11 | 5.67 |
| 2 | 1.26 ❤️ | 12 | 6.16 |
| 3 | 1.75 | 13 | 6.65 |
| 4 | 2.24 | 14 | 7.14 |
| 5 | 2.73 | 15 | 7.63 |
| 6 | 3.22 | 16 | 8.12 |
| 7 | 3.71 | 17 | 8.61 |
| 8 | 4.20 | 18 | 9.10 |
| 9 | 4.69 | 19 | 9.59 |
| 10 | 5.18 | 20 | 10.08 |
If you check over on @susie-saver's wallet, this week's 1.26p bought 2.38 HIVE which you can see in the savings wallet.
New - Wednesday Wellbeing Club
This is a challenge for anyone who wants to make a lifestyle change (eat well, move more, sleep better) hosted by @shanibeer over in the Natural Medicine community. Anyone is welcome to join 😍.
Now then - this week's winners!
Every week, you have the chance to win EDS tokens for commenting. Last week we had comments from @ericburgoyne @bearmol @justclickindiva @jfang003, @phoenixwren, @riandeuk, @bashadow, @carmenm20 and @fabianar25.
Okay, everyone who commented last week went into the WheelofNames and we have two winners: @justclickindiva and @carmenm20 - check your wallets winners - yay!
- Congratulations!
Thank you for taking part in Saturday Savers Club, everyone!
What's been happening in your world this week? anything exciting or fun? Tell us in the comments - you could win some EDS tokens 😁.
More about EDS tokens
EDS tokens are a low-risk income token, ideal for people who want to save. There were only 20,000 originally and they were all sold at 1 Hive each, with guaranteed earnings of 12% each year. You can now acquire EDS tokens through the EDS Miner token.
Earnings come from powering up and leasing out the Hive that came from selling the tokens, plus earnings from posts and comments each week. EDS pays out every Monday evening. Last week the pay out was equivalent to 24%.
638 EDS Miner tokens left.
Back to business ...
We're going to be here every Saturday through the year growing a little savings honey pot, if you have plans for saving or getting to a different place this time next year - maybe $5 Hive by the end of the year 🤑?
Whatever it is, stick with Susie Saver through the year and we'll get there. Along the way, we'll share lots of tips and tricks for saving and how to get the knack of making your money work for you and not the other way round.
Let's Get Started
Image by Andy M. from Pixabay Hey Chicken, it's getting cooler, nearly time for pot pie! 😁
We're using the 365 Penny A Day Challenge framework for the Saturday Savers Club. We're aiming to save £667 worth of pennies by the end of the year.
Penny a Day Tracker Sheet
Right click on the image, save it to your computer and then print it out.
Okay, let's check in ...
1. Check Progress
Each week, we're going to check in through this post and see where we are up to. Our target for today, 21 August, was 16.10p. Next week, we'll be saving 16.59p and by Saturday we'll have saved 287.97p (that's 28,797p just compounding a penny a day)! 😁.
Each week, I'll be buying Hive for @susie-saver's account with the pennies we've saved.
Here's this week's results - 16.10p buys 30.43 Hive.
760 Hive saved in 33 weeks (660 Hive powered up, the remainder invested in EDS and EDSM)! Plus we're earning 3.22% inflation on powered up Hive, 24% on EDS tokens and a little on curating and posting!
@susie-saver has powered this week's savings; she's also been voting following a curation trail. She's reached her first milestones of 530HP and Minnow status. Her next goal is 1,000HP.
How much did you save this week? Did you meet your target? Or did you save even more?
Being accountable to another person or a group is a great way to motivate yourself to save (or anything you want to achieve). Of course, you need the right kind of people around you - ones that think what you're trying to do is worth doing ... or at least fun 😁.
Sign up here with us to start your savings journey:
- just leave a comment below if you want to join the challenge.
- follow @eddie-earner so you never miss a post (Eddie has lots of ideas about how to make money - he's the earner, I'm the saver - you'll like his posts).
- share this post if you think your followers might be interested.
2. The Golden Pig Tip
Image by 3D Animation Production Company from Pixabay
Every week, we're going to share a Golden Pig Tip for saving. By the time you've tried them all you'll have £670 saved.
This Week's Golden Pig Tip
This week's Golden Pig Tip:
Have a NO-BUY month!
The NO-BUY month will run from 1st until 30th September. You set your own rules about what you are allowed to buy or not buy during the month. Here's @susie-saver's rules for September:
ALLOWED EXPENSES
Food - but aiming to finish up packets, tins and jars in the pantry, food in the freezer and from the garden.
Essential toiletries and housekeeping replacements.
Essential repairs or replacements.
1 eat-in or takeaway each week, including coffee/going to the pub.
2 theatre performances or films during the month.
Adult education classes/workshops.
Postage and/or carriage.
Travel or fuel.NO-NO-BUY
No shop-bought non-essential treats.
No books, stationary, yarn, fabric or notions.
No "new" (ie not replacements) clothes.
No "new" (ie not replacements) furniture, household items, telecoms.
No seeds or plants or houseplants or cut flowers.
This is definitely going to be a make do and mend month, plus home-made birthday cards (there's about ten birthdays in September)! Goal: save 10% of normal monthly expenses.
Two planned expenses are a pair of winter boots and, possibly, a Hive meet-up. Savings have already been put aside for these earlier in the year, so they won't come from September's monthly expenses.
NO-BUY Challenge
Are you going to join the NO-BUY month? What are your rules going to be? How much are you aiming to save during September? Let us know in the comments!
And today is always a good day to start saving - you can start on Day 1 or make up the first thirty-four weeks (or join the Autumn Challenge) to catch up with @susie-saver.
That's it for this week. Hope you've enjoyed it and look forward to seeing you next Saturday with progress so far and our next Golden Pig tip.
Today's post by @shanibeer writing as @susie-saver.
EDS, @eddie-earner's income token, is part of the SPinvest family including SPI (@spinvest), LBI (@lbi-token) and the @spinvest-leo account - a cool club in the making. Spinvest Family Motto: Get Rich Slowly.
Posted Using LeoFinance Beta
Congratulations to this week’s winners @justclickindiva and @carmenm20.
This week I’m at 616HP slow and easy does it. Like @susie-saver I’m working towards 1000HP by year end. I’ve also set some weekly targets for The Wednesday Well-being Club being run by @shanibeer.
@bearmol Thank you! Good that you have set goals. Slowly but surely your Hp will keep increasing and that's great, successes for you
All the best to you @carmenm20
Hello @bearmol, great to see you 😍.
Your HP is growing nice and steady, it's quite amazing how it progresses little by little. I really liked your targets over on the Wednesday Wellbeing Club, they show the inter-relationship between emotional and mental health and physical wellbeing and bring that extra dimension.
Be really good to see how we get on and what changes we experience.
I may need to make a template report to track my progress each week.
I’m looking forward to seeing the improvements in my wellbeing over time.
Hehe, yes, I discovered that; @justclickindiva is way ahead of us, though, she's already used one in her post 🙂
Yeah she is on top of things for sure. So much to learn in so little time.
Congrats to the Wheel of Names winners! :)
This actually has been part of my purging stuff/declutter/downsizing project. I put a moratorium on all of these things years ago, with very rare exceptions, toward my goal of using up the craft and stationery stuff I had and downsizing my book collection (as well as saving money, of course, but that was actually secondary). Results so far: I went from a whole printer paper-sized box of stationery stuff to two small boxes (combined, less than a shoebox) and a little section on a shelf for the paper pads (if you added those to the two little boxes, it would still be less than a shoebox, or perhaps exactly a smaller shoebox). Craft stuff was just, a mad amount of all sorts of who-knows-what so it's harder to measure, but yarn, for example, was probably two trunks' worth and now it's less than one trunk. I went from overflowing, no place to put it, to just recently doing an organization of the area where I have drawers that I keep craft stuff in, and I condensed things down and now it all fits. So I have used up a lot!
On the savings front, I am up to 59 EDS tokens! There were some listings for sale at good prices, so I sold some Splinterlands cards and bought up as many as I could. :) Hooray!
I forgot to put digital patterns in that list! One independent company does a Feature Friday where a pattern that is usually $12 is available for $5 for 24 hours. It seems so innocent, but I already have an array of every sort of top/trousers/skirts/dresses/coats, only two of which I've got round to printing and cutting out some fabric (still nothing actually made up).
I agree with you about having so many books, stationary, craft materials etc. I tend to buy yarn and fabric in the sales, I rarely buy anything full price at other times of the year, but I'm not keeping up with all the stuff I already have! I want to go through my books and sort out which ones I want to keep and which ones can go.
It sounds like you are making fabulous progress with using the things you already have and eliminating the stuff you no longer need.
Wow, you're getting it together with those EDS tokens! It's true, there are often some available for a very good price.
Thank you for joining in 😍
Yeah that's what I was doing, like, "ooh I like this one, and it's a good price" and stocking up, without any particular project in mind, usually. So I've been using what I had. I made a ton of cat mats - some for my cats, some for friends' cats, some for shelter cats - as a way to use up some yarn, especially since it's such a good way to use up leftovers and acrylics (because you want them to be easy care and machine washable).
That's a good idea. I need to get braver at bringing together bits and pieces of leftovers to create something. It's a winter project, I can feel it 😁
A good sit down on a chilly day with a warm drink and a pair of needles and yarn project!
😍❤️
Hi, happy weekend. This week I fulfilled the challenge, saving what happy weekend. This week I fulfilled the challenge, saving what I corresponded this week. Little by little the pig grows. You motivate me to grow
Welcome @fabianar25 and congratulations on your savings progress!
So good to have you with us 😍
Thank you @eddie-earner For the prize, this is great for me as it helps my account grow, which is what I aspire to do.
Of course I join this challenge, for me it's quite simple, as my expenses always revolve around food, the economic situation of the country does not allow us to indulge ourselves outside of the basic food needs. It's not a complaint, but I would like to have the money to buy things other than food.
This week I met the goal for this my third week, I deposited my corresponding savings and withdrew money from my earnings for household expense.
Congratulations on setting aside some savings, that's great, especially when things are such a challenge. I agree, it would be lovely to have some money to buy things other than food and essentials. Great to have you with us, thank you for joining us on the challenge 😍.
I'll pass on the no-buy month.
This week was a somewhat slow comment week for me, I did get a few out though. I've been spending a little time off-line gaming and actually played a few rounds of Splinterlands on line.
I try to get 10-25 picture puzzles done each day, and had a nice streak, but that got busted out at 380, so am trying to get to 400 again.
I also enjoy the little zombie game I am playing the current round is Minting madness, last time I died and it took awhile before I came back to life, but still even dead I had some fun.
Our current splurge Item is Pizza, so we had a few nice pizzas this week, well two of them, other than that and above, a pretty relaxed week for me. My current off-line game of choice is Beyond Civilization, I have enjoyed most of the civilization games and still do.
Hahaha, that's good to know 😍 Zombies are endlessly fascinating - one of the longest conversations I ever had on facebook was when I asked the question, "Can zombies swim?" - everyone had an opinion 😂.
How lovely to have a relaxed week, it sounds perfect 😍.
Yeah, pretty much a stress free week.
❤️
The no-buy challenge seems nice but I kind of already cut off all the non-necessary stuff since the pandemic started.
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You're a natural shoe-in to win the challenge :)
I can appreciate that, I cut my budget a at the beginning of the pandemic. Speaking for myself only, I find it useful to check what's happening every so often and recalibrate. I guess I get bored and want to change things up a little 😂.
Be interesting to know what you decided to cut and what to keep.
How's your week been? Any good moves? 🙂
Congrats to this weeks winners. I have met this months goal for club life buy in , so onto next months savings to buy more.
That's great @ericburgoyne, it's so nice to have those passive income streams. How's everything with you? Think you might join our no-buy month?
Things have been not good for the last week. Sharon my better half had to half her left leg amputated just below the knee. As for the no buy month might not be able to do that depending on Sharon is going to need. Passive income is great for sure.
I'm so sorry to hear that @ericburgoyne, I hope Sharon makes a good recovery. Take care and always good to see you.
I think I can do this.
I have two pre-planned events (birthdays) but I have known they are coming and have been planning for them.
Aside from that - I will cut my meal delivery services in half and eat more pantry foods. I will also cut down on the snacks and sweets, which end up making the grocery bill nice and hefty.
Aside from that "essential replacements" covers lots of my expenses.
They place I will really be cutting down on is random take outs, coffees, lunches, craft supplies, books.... Random Amazon, Wish, and Target deliveries.... (Mom, we NEED Gray's Anatomy Stickers).
I will be taking it a step further and cancelling our HULU for the month.
The hardest thing I had to learn when the children were young was to say "No" 😂. The thing was, the youngest one, especially, would never spend any of his own money, even when we went on special outings to one of the big toy stores to spend some Christmas or birthday money. He would investigate everything but buy nothing in the end.
So pleased you are planning to join us. Important to include birthdays and other celebrations, too, in essential spending 😍
EDS Miners are a great way to lock in a 20% APR.
They certainly are 🙂.