Hello Everyone,

Welcome to Saturday Savers Club with Susie-Saver!
^{sorry, no pictures, not sure what's happening there}

Interesting Fact

This week's saving under the 365 Penny a Day Challenge (12.67p) is exactly half the amount the very last week will be (25.34p). I love maths, don't you? 😆

HPUD Winners and News

We had two regulars that posted about their Hive Power Up on 1 July 2021 - Hive account@jfang003 and Hive account@justclickindiva - both receive some SPI, LBI and CL tokens - check your wallets. Congratulations and thank you for supporting Saturday Savers Club.

Next month, Saturday Savers Club is going to offer to help a smaller account to take part in HPUD on 1 August. This post explains the rules. In addition, if you want to take part, you must be:

• a regular commenter on Saturday Saver Club posts.
• leave a comment on the post on 31 July 2021 including the phrase "count me in" (we'll remind you in the post). Your comment has to be posted by 10.00am UTC+1 on 1 August 2021 to qualify.

All qualifying posters will be entered in the WheelofNames, and the winner will be sponsored by Hive account@shanibeer to take part. You'll get a shiny badge and extra powered up Hive in your wallet. Yay!

^{I'm checking whether you will also qualify for any of the HPUD prizes - more news later.}

Now then - this week's winners!

Every week, you have the chance to win EDS tokens for commenting. Last week we had comments from Hive account@gillianpearce Hive account@ericburgoyne Hive account@bearmol Hive account@justclickindiva Hive account@jfang003, Hive account@riandeuk, Hive account@dagger212, Hive account@britandi, Hive account@preparedwombat and Hive account@phoenixwren.

Okay, everyone who commented last week went into the WheelofNames and the winners is: Hive account@gillianpearce - yay!

Interesting Fact

This is the second time that Hive account@gillianpearce has won both EDS tokens in a single week!

- Congratulations!

Thank you for taking part in Saturday Savers Club, everyone!

What's been happening in your world this week? anything exciting or fun? Tell us in the comments - you could win some EDS tokens 😁.

More about EDS tokens

EDS tokens are a low-risk income token, ideal for people who want to save. There were only 20,000 originally and they were all sold at 1 Hive each, with guaranteed earnings of 12% each year. You can now acquire EDS tokens through the EDS Miner token.

Earnings come from powering up and leasing out the Hive that came from selling the tokens, plus earnings from posts and comments each week. EDS pays out every Monday evening. Last week the pay out was equivalent to 24%.

666 😱 EDS Miner tokens left.

Back to business ...

We're going to be here every Saturday through the year growing a little savings honey pot, if you have plans for saving or getting to a different place this time next year - maybe $5 Hive by the end of the year 🤑?

Whatever it is, stick with Susie Saver through the year and we'll get there. Along the way, we'll share lots of tips and tricks for saving and how to get the knack of making your money work for you and not the other way round.

Let's Get Started

We're using the 365 Penny A Day Challenge framework for the Saturday Savers Club. We're aiming to save £667 worth of pennies by the end of the year.

Okay, let's check in ...

1. Check Progress

Each week, we're going to check in through this post and see where we are up to. Our target for today, 3 July, was 12.67p. Next week, we'll be saving 13.16p and by Saturday we'll have saved 182.23p! (Look at those 100s stacking) 😁.

Each week, I'll be buying Hive for Hive account@susie-saver's account with the pennies we've saved.

Here's this week's results - 12.67p buys 34.80 Hive.
Nearly 460 Hive saved in 27 weeks (385 Hive powered up, the remainder invested in EDS and EDSM)! Plus we're earning 3.22% inflation on powered up Hive, 24% on EDS tokens and a little on curating!

Hive account@susie-saver has powered this week's savings; she's also been voting following a curation trail, bringing her account to nearly 350HP. She's aiming for 530HP and is 73% of the way there. What's your goal?

She's aiming to up her game with posting rewards, too. Finally, she has a new phone to replace the one that fell in the mop bucket. It's fully loaded and charged, Hive account@actifit is activated, all that remains to do is the moving and posting.

How much did you save this week? Did you meet your target? Or did you save even more?

Being accountable to another person or a group is a great way to motivate yourself to save (or anything you want to achieve). Of course, you need the right kind of people around you - ones that think what you're trying to do is worth doing ... or at least fun 😁.

Sign up here with us to start your savings journey:

• just leave a comment below if you want to join the challenge.
• follow Hive account@eddie-earner so you never miss a post (Eddie has lots of ideas about how to make money - he's the earner, I'm the saver - you'll like his posts).
• share this post if you think your followers might be interested.

2. The Golden Pig Tip

Every week, we're going to share a Golden Pig Tip for saving. By the time you've tried them all you'll have £670 saved.

This Week's Golden Pig Tip

Here's this week's Golden Pig Tip:

Check out your relationship with money - are you fearful of it and afraid of opening those envelopes? do you get angry when you overspend or have an unexpected expense? are you hoarding like there's no tomorrow and refusing to benefit from your savings? Time to re-configure your emotions! One way to start is to write down where you think those emotions come from and check whether they are helping or harming you today.

Shall We Have a No Buy Month?

Last week, I asked whether we should have a no-buy month as one of our challenges and some people asked what a no-buy month is. Let me see if I can explain:

A no buy month (or any period of time) is when you set specific rules for what you are and are not going to buy. You can buy food and other essentials (all your household and travel expenses, for example) and you can replace anything that gets broken or wears out.

Beyond that, you set your personal rules. It could be not buying take-outs or alcohol (or books), or restricting the number of times you buy coffee or meet friends for a meal (or go to the cinema or theatre or bowling).

Of course, anything you don't spend that month goes into your savings .

An important part of a no buy month is accountability. So if we had a no-buy month as a challenge, we would ask everyone to post about their no-buy month at the beginning - what they plan to do - and then to post again at the end of the month about what happened.

Like everything about developing habits, it's a journey, so it isn't about being perfect immediately and getting it right first time. It is about setting a goal and then seeing what you learned about trying to achieve it.

We could do it in stages - say August, have a no-buy day (or day a week); September, have a no buy week, then October, the biggie, a no-buy month.

What do you think Saturday Savers? 😍

^{PS Chance to win extra tokens this week if you name the two interesting facts in this post hehe.}

And today is always a good day to start saving - you can start on Day 1 or make up the first twenty-seven weeks to catch up with Hive account@susie-saver. Or join our 100 day savings backwards challenge (ends 31 July 2021).

That's it for this week. Hope you've enjoyed it and look forward to seeing you next Saturday with progress so far and our next Golden Pig tip.

Hive account@eddie-earner content contributed by Hive account@silverstackeruk and Hive account@shanibeer.
Today's post by Hive account@shanibeer writing as Hive account@susie-saver.

^{EDS, Hive account@eddie-earner's income token, is part of the SPinvest family including SPI (Hive account@spinvest), LBI (Hive account@lbi-token) and the Hive account@spinvest-leo account - a cool club in the making. Spinvest Family Motto: Get Rich Slowly.}