Okay Candice, it’s time to GET YOUR $HIT TOGETHER (GY$T).
I was doing so well at the beginning of this year with my financial planning. My head was in the right zone, and thanks to the clever 22Seven App I’d downloaded, budgeting was so much easier. Even though it took some effort, I managed to save quite a bit.
Then life happened…the busy bug set in and I found myself devoting ALL my time to business, with the little I had left to my family. Other than paying bills, I’ve given little or no thought to saving.
And things just seem so damn expensive!
When 22Seven sent me an email telling me it’s National Savings Month, I was like “…yeah right! In this financial climate, who has extra money to save???” 22Seven believe that most people do have extra money to save.
So they’ve tasked me to get my $hit together, by setting 7 Challenges that that I need to complete within 22 days. All the challenges will help me find, and save money.
I’m ALWAYS up for a challenge, and I’m very excited at the prospect of finding some extra cash.
I’ll be sharing my successes and failures, thoughts and observations as I go. I’ll also let you know how much money I find (or lose) on each challenge, and how much money I saved at the end of them all.
These are the 7 GY$T Challenges I’ll be undertaking:
Decellerate – For cell phone airtime and data, I’ll compare what I’d be paying if I changed from contract to Pay as you Go, or vice versa. I know I’m going to save a heap of cash here. Because we have uncapped Wi-Fi at home (& I work from home), I haven’t bothered buying a data bundle. So when I’m away from home, I use mobile data, which is expensive.
Lunch deloaded – Both my hubby and I work from home. We’re quick to run across the road to our favourite café for a quick breakfast or lunch. In fact, according to my 22Seven app, last month I spent R534.00 there. Next week, I’ll prepare lunches instead of buying them, and compare that with what i normally spend on food.
Wonder how the hubby will feel about eating salad for lunch? In a jar, nogal!
Find something free – I’ll do something free (or cheap) for entertainment, and compare that to what a meal or night out would have cost.
Walks with my family in Newlands Forest is one of my favourite things
Spring clean – I’ll be selling all my old clothing that doesn’t fit, or that I don’t wear anymore. There are even some designer pieces I need to get rid of.
Pay yourself first on payday – Today, I’ll put R900.00 bucks into my investment account, and see if I even miss the money later in the month.
Groovy gift – A good friend has a birthday coming up, and I’ve undertaken to make her a gift using stuff I already have lying around the house. I have a pearl of an idea for this.
A DIY Coffee Body Scrub
Coin jar – I’ll put every coin and any spare change that comes my (or my hubby’s) way into a jar for 22 days, and see how much it comes to at the end. I’ve done this before and was AMAZED at how much I accumulated.
The cutest damn coin jar I ever did see!
Okay, wish me luck – I’m off to GY$T do it 😉
Learn more about the 22seven app and download it here