Roller Derby – Low Cost Fun!

21 04 2010

We had quite an experience last weekend!  We were to go to a friend’s house for dinner, but one of the guests found out about Roller Derby!  Her partner is a huge fan so we decided to move the location of our dinner to the Convention Centre where the Roller Derby was being held.  The fun part of this adventure was that we were giving the “Roller Derby Fan” a surprise, so they set off, assuming that they were heading to dinner, but instead drove south to the convention centre.

There were so many people there;  we were, to say the least, totally surprised!  People of all ages were there!  They catered to those new to the sport by holding a Roller Derby 101 session before the “race” (I’m not sure if that’s what they call it), so we understood the rules, then they were off and racing.  These are seriously fit and resilient women who participate in this sport and it was quite exciting to watch.

Who knew these events happened in Brisbane?   Look around you and see what events are happening in your local area, the ticket to this event was just $16.50, so not free but certainly affordable and a whole lot of fun!

Have a fabulous week!

Adele Blair

www.greenappleorganising.com.au

* Picture from Fox Studios

Note from Michelle – Another wonderful idea.  Surprises for friends and family members are really a wonderful treat and there are loads of things you can do for minimal cost or for free.  You can post your tips to the Secret Stash and go in to the monthly draw for a Personal Budget Organiser valued at over $50!

www.secretbudget.net

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52 Fun Activities for Free or Low Cost

19 01 2010

Saving Money Adventure – Tip 2

So what did you do for fun last weekend?

Our next instalment in Free Fun Weekends was using vouchers!  I won a voucher to a restaurant and we had a voucher to see a movie!  So on Sunday afternoon I got dressed up (well just a little) and headed to our restaurant for a yummy lunch (making sure to select items that would not exceed the voucher value), then headed to Palace Cinemas at Barracks  to see Up in the Air!

Did you get some vouchers for Christmas or a recent birthday?  Make sure you keep them handy and certainly make sure they don’t  expire before you get a chance to enjoy them!

Stay tuned for next week’s instalment – I can feel a road-trip coming on!

SecretBudget.net

Like most families the beginning of each year sets the scene for creating New Year resolutions.  One of ours was to keep a closer eye on our spending – was that the same for you?  In addition, we wanted to make sure we had a good balance of work and play (running your own business can consume all of your time whether you want it to or not).  So we have decided to see if we can come up with 52 fun activities (one each weekend), that we can do for free or at little cost.

I put this idea to Michelle , the budget guru, to see if she would like to share our “Free Fun Adventures” with her readers through her Blog; it might just give you a couple of ideas of how you can save money and still have a bit of fun!

So our first weekend of fun was going to the beach.  Now this may seem simple enough but we have lived in Brisbane for 9 years and not once have we had a “day trip” to the beach – I know it’s a sin!  So we packed a bag of goodies, some snacks, drinks, books to read etc and  left home at 9.30am on Sunday and headed south.  We had no idea where we were going and decided to simply stop at the first beach that had a car space! .  The weather was gorgeous and the surf was calm so it was perfect for a splash in the ocean and an opportunity to get my nose into a book, a book that was not business or work related, a novel of escapism!   We stayed on the beach for a couple of hours then sat on the grassed area near the beach and had a picnic lunch.  It was great just to sit and talk to my partner without the distractions of rushing to peg out washing or checking emails (I left my Blackberry at home)!  I felt like I’d been away on holiday! And yes it was most certainly fun! – Adele Blair





Household Budgetting Overview

6 06 2008

Budgeting Tips

Secret Budget™ understands that budgeting and saving money can be challenging. So we’re here to offer you some valuable money saving tips and share the resources that we’ve found.

Prepare a budget

Do you earn a decent salary but have nothing to show for it at the end of each year? This is likely to be the result of not having a plan for how you spend your money. Having a budget, and sticking to it, is one of our most powerful money saving tips.

A budget, and the process of preparing one, allows you to analyse your income versus your expenses.

You only receive a set amount of income each year so you need to plan for your expenses and, with discipline and the help of some other money saving tips, be able to make the most of what you earn.

The Australian Government has created the Understanding Money website full of money saving tips and ideas to help Australians use what they’ve got wisely.

If you’re thinking of implementing a budget, check out the budget planner to get you started.

Reduce your spending

Do you like to buy a coffee every day on your way to work? Did you realise that by changing that one little habit you can save yourself over $800 a year?

Sometimes we have to make little sacrifices to help us on our way to achieving a greater goal. Cutting out the non-essential expenses is one of the best money saving tips you’ll learn.

Secret Budget™ suggests you take a look at the Money Minded website , in particular the spending leaks calculator, to see what those little luxuries and treats are actually leaking out of your budget and savings.

Cut up your credit cards

How much do you currently owe on your credit cards? Can you comfortably pay off the amount you owe each month? If not, then one of the best money saving tips for you is to cut up your credit cards.

Credit cards are convenient…possibly a little too convenient, which makes it very easy for you to overspend.

Spending on credit is equivalent to spending money you don’t have. It’s all too easy to think, “I’ll just pay it off at the end of the month”, but unless you put that money aside then the end of the month comes and you still can’t pay it off. Then you’re lumped with interest charges on top. It’s a scenario that can quickly spiral out of control and ruin your credit rating for life.

One of our simple money saving tips is to pay off the credit card debt you already have then destroy the cards. If you must have a credit card “for emergencies”, reduce your credit limit to the bare minimum and hide the card.

To pay off your existing debt we recommend implementing a budget. Within it, allocate a certain amount each week, fortnight or month to put towards your debt and over time this will help you regain control.

Have you got any money saving tips that you’ve found helpful in your life? Go to our blog on the Members page and add your thoughts. Alternatively, contact us so we can include it on the website.





A Proven Way to Manage your Household Budget

6 06 2008

Here it is! What we’ve all been looking for! If you want to be organised and know where it’s at with your household budget, a Personal Budget Organiser™ is the answer!

The Budget System that is INSIDE your wallet!

  • Manage your cash
  • Control your spending
  • Reduce bank charges
  • Safety from Credit Card Fraud
  • Reduce risk of Identity Fraud
  • Black PBO
  • Red PBO

If you are like me, you are always looking at ways to bring down those ever increasing household expenses. As a working Mum, I need to be organised and my Personal Budget Organiser™ helps me do this. At one quick glance I can see what money I have left and what I have budgeted to spend it on!

I tried all sorts of systems. I even tried using stacks of envelopes for my weekly budget, they were never easy to find in the bottom of the bag! I didn’t feel in control when I used my EFTPOS ® card. I kept spending and adding it up in my head until I finally got to the register that says that so embarrassing Declined!So, I designed a wallet that has a budget system inside it. That way I can easily have my budget with me, all the time!

I find that seeing the money (rather than just using my EFTPOS® card) curbs my spending quite dramatically. If I have a $50 note left, it’s always more difficult for me to spend it. My PBO™ also makes me rethink any impulse purchases. I find I save money every week using my PBO™ system.

Join the thousands of other PBO™ users in saving money every week!