Week 40 - Entering October : As the Season Changes, So Must Strategies, IF Needed | SATURDAY SAVERS CLUB
Welcome back everyone. Can't believe it's October already! We're in week 40. Lots of exciting events happening over at @eddie-earner. Here's some of my activities this past week in the Club.
September NO-BUY Month
Happy days! The September NO-BUY Month ended yesterday on September 30th.
My goal was to save 40% of my monthly budget. That equates to $1200.
I'm happy to report that, even though I didn't reach my goal, I did save 30%, or about $900.
I accomplished this primarily within the Entertainment category. By eliminating all but 1 dine-out or take-out weekly and reduction in other categories, I was able to realize a savings of about $900.
$55: Actual amount spent on Entertainment during September
$200: Actual amount spent on other categories shown above during September
TOTAL SPENT DURING SEPTEMBER: $255.00
20-week Autumn Savings Challenge
It's now Week 8 of my regular participation in the Autumn Savings Challenge. I'm almost half way toward saving my $100 by November.
As with any savings and investment plan, you have to be vigilant and keep abreast of changes that affect your savings strategies. Last month I decided to take advantage of the 10% interest realized in my HBD Savings.
However, I realized a couple weeks ago that the payout of HBD for my content seemed to have changed. I'm receiving more liquid Hive for my content. So, I made the decision to convert all my Hive Savings to HBD and then transfer it to my HBD Savings. I will continue to monitor the situation for HBD payouts.
This week, with the situation at hand, I realized I didn't enough available HBD to add to my HBD Savings and hold back some for other projects.*
I withdrew all my Hive Savings (317.870). I plan to convert it to HBD and then transfer the HBD to my HBD Savings.
Also, I decided that in the future I would transfer enough Hive to cover both liquid and HBD in the Autumn Savings Challenge. In doing so, here's my strategy:
Converted: 8.40 liquid Hive (4.20 x 2) to HBD.
Part of my conversion was realized immediately and added to my HBD balance. When the conversion is complete, I'll decide how I want to handle the remaining to ensure my account continues to grow.
As of today, my balances in my Savings are: 0.00 Hive and 180.307 HBD.
Wednesday Wellbeing Club
I'm doing good in the the Wellbeing Club over in the Natural Medicine Community each Wednesday. If you'd like to participate, check out @shanibeer's latest post from this past Wednesday: Wednesday Wellbeing Club | 11 August - 24 November | Week 7: Wednesday 29 September 2021. Anyone who desires to participate is welcome at any time.
EDS Miner (EDSM) tokens
Only 618 Tokens remain. Remember, @eddie-earner advises that EDS tokens are a low- risk income token that generates guaranteed earnings of 12% annually. The only way to obtain EDS tokens is to mine them through EDS Miner tokens. EDS pays out every Monday evening with an awesome interest rate. Last week realized 23%.
IMPORTANT ANNOUNCEMENT: EDSM Monthly Sales
@shanibeer liked the idea, so she's pleased to announce that:
There will be 20 EDSM on sale at 9 HIVE every second Saturday, starting:
- Saturday 9 October (that's next week), then;
- 13th November; and
- 11th November.
Remember you can buy fractions of EDSMs and stake them to start mining as well as whole miners!
OCTOBER SIDE-GIG MONTH - LBI Giveaway is here!
@eddie-earner and shanibeer says,
"Everyone likes to have a little side hustle; something you enjoy doing and you make a little money!
So, every Saturday for 5 Saturdays, we're going to look at opportunities to earn a little on the side that don't require qualifications and don't require a huge outlay in capital.
This week we are going to start with the most obvious one - selling things! Here's a few ideas to get you going:
sell things you don't need any more - casual sales can be listed online through facebook, gumtree, craigslist and many more or have a yard or garage sale (I love this one). Many places have a local market and sometimes specialise in retro or second-hand on certain days where you can book an occasional stall.
sell things you make - could be celebration cakes, pies, jams and jellies - through word of mouth to neighbours, friends and family or crafted items through craft fairs (or the market stall above) or through platforms like Etsy.
if you love selling, offer to sell items on behalf of other people for a small fee to cover your time and costs or specialize in trading in something that interests you - jazz vinyl records, old books, vintage clothing through on and offline channels.
For an opportunity to win LBI in this week's giveaway, tell us in the comments any other ideas you have about selling things - or any important considerations. For example, in England, if you are selling food, you need to register with your local council. We'd also love to hear your experiences if you've done any of these."
Although I don't have anything to sell, I'm going to find a way to participate.
OTHER CLUB NEWS
In our Golden Pig Tip for the September NO-BUY month, @shanibeer provides some great tips on how to promote building the EDS income token fund and how you can help:.
Also, check out my new BANNER below highlighting the Club. Then visit Week 40 Saturday Savers Club post by @eddie-earner and @shanibeer: Saturday Savers Club with @susie-saver | Week 40 - Saturday 2 October 2021 | Week 8 - Autumn Challenge - Save $100! | LBI Giveaway - October Side-Gig | EDSM Monthly Sales (22.22% APY) | | Win EDS Tokens for Comments! Everyone Welcome for other Club news.
My Saturday Savers Club Report for Week 40:
| PROJECT | PARTICIPATION | COMMENTS |
|---|---|---|
| Hive PUD | 50 HP | Participate in Hive Power Up Day |
| Saturday Savers Club | Day 275 | 365 penny-a-day, Money Saving Challenge. ON TARGET. |
| Autumn Savings Challenge | 0.000 | Withdrew 317.870 Hive Savings. Changed strategies |
| Autumn Savings Challenge | 180.307 | HBD Savings Balance |
PLEASE NOTE:
Source
| DAY | Amount Hive Saved | Hive Balance | Amount HBD Saved | HBD Balance |
|---|---|---|---|---|
| Autumn Savings Challenge | ||||
| Week No. | Beg. Balance | 301.790 | Beg. Balance | 101.932 |
| Week 1: (8/14/21) | +1.05 | 302.960 | +1.05 | 102.982 |
| Week 2: (8/21/21) | +1.26 | 304.220 | +1.26 | 104.242 |
| Week 3 (8/28/21) | 60 Addt'l HBD | 164.242 | ||
| +1.75 | 305.970 | +1.75 | 165.992 | |
| 0.921 HBD | 166.914 | |||
| Week 4 (9/4/21) | +2.24 | 308.210 | +2.24 | 169.154 |
| Week 5 (9/11/21) | +2.73 | 310.940 | +2.73 | 171.884 |
| Week 6 (9/18/21) | +3.22 | 314.160 | +3.22 | 175.104 |
| Week 7 (9/25/21) | +3.71 | 317.870 | +3.71 | 178.814 |
| Week 8 (10/2/21) | -317.870 | 0.00 | +1.492 (Interest) | 180.307 |
| Waiting on conversion | +0.00 | 0.00 | +0.00 | 180.307 |
In the Autumn Savings Challenge, the amounts below are now what I will save weekly.
| Week No. | Amount | Week No. | Amount |
|---|---|---|---|
| Week 1 | 1.05 🤑 | Week 11 | 5.67 |
| Week 2 | 1.26 🤑 | Week 12 | 6.16 |
| Week 3 | 1.75 🤑 | Week 13 | 6.65 |
| Week 4 | 2.24 🤑 | Week 14 | 7.14 |
| Week 5 | 2.73 🤑 | Week 15 | 7.63 |
| Week 6 | 3.22 💪🤑 | Week 16 | 8.12 |
| Week 7 | 3.71 💪🤑 | Week 17 | 8.61 |
| Week 8 | 4.20 💪🤑 | Week 18 | 9.10 |
| Week 9 | 4.69 | Week 19 | 9.59 |
| Week 10 | 5.18 | Week 20 | 10.08 |
Thank you so much for your visit. I appreciate the time you out of your busy schedule to see my progress in the Saturday Savers Club.
Why not join in this fun initiative with either the Autumn Savings Challenge or the 365 Penny-A-Day Challenge and start saving. Tell me what your savings plan looks like. I'd like to hear about different ideas.
See you next week.
Proof of participation for Week 40 of 365-Day Challenge: 9/26/21 - 10/2/21
Proof of participation for Week 8 of Autumn Savings Challenge: Ending: 10/2/21
@flaxz initiative #alive ; #aliveandthriving (Published my Week 40 Saturday Savers Club post and my Week 8 Autumn Savings Challenge post for my blog today)
Thanks,
@justclickindiva
Happy rest of the week everyone with whatever your endeavors.
SOURCES:
a) JustClickindiva's Footer created in Canva utilizing its free background and images used with permission from discord admins.
b) Unless otherwise noted, all photos taken by me with my (i) Samsung Galaxy 10" Tablet, (ii) Samsung Phone, & (iii) FUJI FinePix S3380 - 14 Mega Pixels Digital Camera
c) Purple Butterfly part of purchased set of Spiritual Clip Art for my Personal Use
d) All Community logos, banners, page dividers used with permission of Discord Channel admins.
e) Ladies of Hive banner used with permission of and in accordance with the admin's guidelines.
f) Saturday Savers Club logo created by me @justclickindiva in Canva utilizing its free templates and free images from PXFuel (i) and (ii).
Electronic-terrorism, voice to skull and neuro monitoring on Hive and Steem. You can ignore this, but your going to wish you didnt soon. This is happening whether you believe it or not. https://ecency.com/fyrstikken/@fairandbalanced/i-am-the-only-motherfucker-on-the-internet-pointing-to-a-direct-source-for-voice-to-skull-electronic-terrorism