Jem and Michael - my babies
I thought I would post today about saving money. Now, I am not the greatest or a perfect money manager and I have blown my fair share of $$ on crap but I think a lot of people are a bit worse than me (and probably some are a bit better).
Even if you save a little bit, often - it all adds up over time. Small changes are the best to start off with.
Some tips are:
- Open a separate bank account and transfer an "amount" of money each pay (before you get to see it). Only YOU can determine the amount but, even if it is $10per week it will all add up.
- Limit your access to the above account. Don't have a keycard linked to it. If it is hard to get the $$ out, then you will be less likely to raid it.
- Take your lunch to work/school every day (or 3 days out of 5 if you have to) - this will save you heaps of money. Pack your lunch the night before and leave it in the fridge so you are not rushed in the morning.
Ok, so that is enough to start with. Some ideas for lunches:
- Sandwich - Chicken, devon & tomato sauce, ham and lettuce - what you like - TIP - buy (or roast) a chook on Sunday night. Break it up and you have chicken for sangas all week (make them and freeze them if you like)
- Crackers with marg and vegemite (eg premium or vita wheat)
- A small bag of shapes or in a biscuit type eg Dixie Drumstick - TIP - Buy a large pack and then put a handful in a zip lock bag, reuse the zip lock bag for these snacks
- A banana or apple or tinned fruit in a container
- A piece of cake (home made and then freeze in portions) or muffin (ditto)
- Drink of choice - if you are a soft drink addict like me then buy a case of cans and take one with you or leave them at work to grab when you feel like one. Single cans from the machine are?? $1.30each + Cans from home are maybe 60c each or less depending on what you drink.
- A chocolate or special treat - for the 3.00pm munchies LOL
Seriously, this will take about 10mins to make or LESS. Put it in a bag in the fridge and chuck it in your bag as you walk out the door. Will save you $15 for lunch and it is yummy.
Here is a recipe for a chocolate cake that is very very nice and very very easy (& I am VERY fussy about my choc cakes). I make this in 2 loaf tins (this recipe makes enough for 2 cakes). Ice them and freeze as is then leave in fridge and cut portions off or cut in portions and freeze - what ever is better for you.
Lush Chocolate Cake
- 2 C sugar
- 1 3/4 C plain flour
- 3/4 C cocoa
- 1 1/2 tsp baking powder
- 1 1/2 tsp baking soda (bi-carb soda)
- 2 tsp vanilla extract/essence
- 2 eggs
- 1 C milk
- 1/2 C vegetable oil
- 1 C boiling water
- Pre-heat oven to 180 deg C. Grease 2 loaf tins.
- Combine dry ingredients in a large bowl
- Add eggs, milk, oil and vanilla and beat on medium speed for 2 mins
- Stir in boiling water (batter will be thin)
- Pour into loaf tins
- Bake for 30 - 40 mins or until skewer comes out clean
- Cool in pan for at least 10mins before turning onto rack MAKE SURE YOU DO THIS OR IT WILL BREAK UP :-)
Frosting (will ice both cakes)
- 1/4 C butter or marg
- 1/3 C cocoa
- 1 1/2 C icing mixture
- half of 1/3 C milk
- 1/2 tsp vanilla
- Melt butter
- Stir in cocoa
- Add vanilla
- Add icing sugar & milk, alternating between the two whilst beating on medium speed.
- Spread over cooled cake and freeze
This is a staple in our house - try it and see!!!! Yummy!!!
See how you go at implementing these tips and watch your bank balance G...R.....O....W