#SaverSeries – How we cut costs

How we cu costs and benefited

I hear it all the time , I’ve seen it on social media.The majority of society today struggles financially from month to month. I’m revisiting my #SaverSeries – How we cut costs.Our lives gets complacent , we relax , we slip and our finances take the knock and we find ourselves going round in circles financially and our lives and families get affected.

A few years ago I really set out on a mission to get us back on track financially it was mentally and physical exhausting to police our finances.

I was sitting this morning having breakfast and I switched on the tv and the Netflix and it got me thinking once again about how we have saved so much since un-subscribing from our local satellite channels (DSTV) and I thought it a great time to revisit our saving strategies seeing as May is the month we made the move to Netflix.To date doing a quick lets-not-get-to-mathematical sum I’m sure we have saved close to mmm lets see…..R 24 000.00 holy smokes.

Here is the blog post I did back then …. #SaversSeries

Savings like these have helped us so much each and every year.As our responsibilities have also increased with school fees , scary medical aid fees and everything else that comes with family life.(Let me not get started on how in the last two months since the 15% implementation our grocery bill has gone up by 50%).

I’m always on the look out for ways to save and cut costs.What have you done lately to save?Let me and everyone else know because we can always use a little help.

Happy Saving

I’ll be posting a few other posts on ways I try to save.

FYI: It shocks me every-time we go visit family and watch TV that the same episodes and movies a still showing,there has been an improvement but definitely note one that would have be rushing back to get subscribed once again.Happy with my Netflix !

 

Saver Series – Part 3 – Savings Challenge (S.African Version)

Click on the pic and save or print

If you go anywhere near Pinterest you have definitely come across the 52 Week Savings Challenge.

With the New Year creeping in at a fast pace (how fast has this year gone by?)there are certain things I do want to ascertain within the year of 2016.I wont call them resolutions but simply call them lifestyle changes.I love the start of any New Year with its promise of a fresh start and better things ahead so ….is this a challenge I want to take on? Most definitely! I’m the saver in the family or at least used to be until I had my children.Saving hasn’t been on my “list” in a few years and I really want to see that money grow ( What a high it will be to see that money grow every month). I have managed to set small savings goals monthly but this will definitely get me back in the savings saddle.

I rearranged and obviously changed the currency to our South African Rands (ZAR), I also added the 12 month breakdown as many of us generally get paid monthly and not weekly.

If you see the breakdown it will allow a total savings of R 14 000,00  SAVED for 2016.

When I first did the breakdown it gave me an odd number total  in the R 13 000 region, being on the cusp of O.C.D I had to had to round it off.

Anyway go through the breakdown I did – you will see by far the hardest month you will probably have will be towards the end of the year (October and November).

Hang in there November will be a tight month but if you one of the lucky ones you know the end is close and you can just see that 13th cheque/Christmas Bonus in your bank account by mid December.

If you not lucky enough to be blessed with employers who hand out Christmas Bonuses then keep at it until the end of December – what an exhilarating feeling it will be to open your bank account and see FOURTEEN THOUSAND RAND staring back at you.

Let me know if you will be joining the challenge and good luck.Whether you only save for 3 months or 6 it’s still money in your pocket well done.

Good Luck and enjoy the fruits of your hard work and savings.

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Saver Series – Part 1 – How we saved R3500.00 in 5 months

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We have had a pretty rough two years.We went from living pretty well and on our way to leaving our starter flat and going into our 1st house when hubby got retrenched and was without work for just under 3 months.

We seem to finally be above water financially, that dark time had us learn so many financial lessons.

We weren’t saving anything as the plan was to completely pay off all our debit so that when the time came we would have a brilliant credit record as well as hardly any debit except the bond.Boy did that plan so horribly pear-shaped in a flash.That brilliant credit record we were so proud of shattered when we skipped our 1st payment.

We have a new insight on our finances and the way forward.

I run a business from home so we have uncapped ADSL from Telkom – this is important for the info im about to share with you.

We were subscribers with a decoder ,in my opinion a major nice to have in this country, so much so that I once did a quick survey at my old office as to how many people subscribed and it was straight down the middle 50%.

It’s not cheap at R 699.00 per month plus the insurance ( this was the package we had as we figured with the rental facility the amount we would save on late fees was our justification)It just got to the point where the repeats on every channel where just regurgitating over and over – Christmas movies in June really made me flip.

I decided to so some research after there was a discussion on 702 – inbox me for the Facebook link  .All you needed was an ADSL line , I tagged and sent hubby link after link about Netflix and within a week we were up and running.There was skepticism from may about the speed of our line but to date its been fine.

It cost $ 7.99 a month (yup you have to pay with your credit card and its in dollars but even with the hectic exchange rate you still saving).

Now we watch what we want when we want and without any ad’s.

Each family member gets a folder and you can search and save movies series documentaries etc so when you ready to watch them you can.

Are there any cons? Yes only one – our Telkom line was down for 2 weeks but we have a cupboard full of dvd’s for the kids so it wasn’t a major train smash.

To date its saved us R 3500.00 and continues to save us money.

FYI: we still pay out TV license annually.

FYI: when we go visit family and friends with still shocks us as to how we still come across theusual repeats – I kid you not

Check in from time to time and see where else I’ve saved money and how we did it.

Enjoy!