February Monthly Savings Report; 1st Time Using InLeo; Plus NO-BUY MONTH | Saturday Savers Club [Year 4]

Hello everyone and welcome to the Saturday Savers Club. This is the Club's 4th year in existence. I have been a member for three years. We share ideas on Saturdays over on Hive account@eddie-earner's account.

This is only my opinion. I've read numerous posts about LeoFinance's new InLeo. The fee is 10 HBD per month in order to become an upgraded member. Last week I posted directly in this LeoFinance's new front-end, but did not upgrade.

The post I read in LeoFinance stated that one of the features for using InLeo is that you can using their front-end even if you aren't upgraded and will receive support for publishing your quality content there.

I did not notice any difference in posting from LeoFinance. Perhaps others received support once they paid the 10 HBD fee each month. The features highlighted in the upgraded InLeo are not ones that I particularly am in an urgent need for. Perhaps in the future, I can justify spending 10 HBD/mo for different features that I feel will benefit me in my daily journey in Hive. For the present, I prefer to publish my content from PeakD and then choose LeoFinance as the Community to post from.

Now, on to my February Saturday Savers Club report.

Some of the projects I intend to continue investing in for 2024 are Community based that yield daily, weekly, or monthly liquid Hive as dividends and/or tokens. For example:

• delegate hive power and LEO tokens to Communities and projects;
• leased Hive power to members;
• participate in Hive account@combination weekly drawings for the charity it manages, Hive account@papilloncharity.
• delegate to various curation accounts; and
• add to my liquidity pool positions.
• participate in the new EDSD Token which is HBD-backed.

A Look At My Year 4 Saturday Savers Report for February:

Project	Goal	January Balance	Increase	February Balance	Notes
HP	25,000	21,922.745	+443.198	22,365.943	Rewards from publishing content. Powered up 134.057 for January HivePUD
HBD	500	8.388	+3.990; +0.126 (Interest)	12.504	It may look like an uphill climb, but the 365-day savings add up quickly.
EDSD	500	0	+107	107	New HBD-backed token. For addt'l info check out post here
EDS	500	365.11	+16.21	381.32	Receiving my stake in the daily mining
SPI	300	13.51	+0.000	13.51	NOTE: Beginning March, 2024, 300 SPI set aside for a special purchase for Saturday Savers Club Member.
LEO	2,000	1,675	2.000	1,677

Check out all the Club news and events and view the 41 Hive members with their goals for 2024 who have joined: Saturday Savers Club with @susie-saver | Year 4 | Week 5 - Saturday 3 February 2024 | February No-Buy Month | Win EDS for Comments

SPECIAL SATURDAY SAVINGS CLUB NO-BUY MONTH CHALLENGE

The NO-BUY month started February 1st and continues through February 29, 2024. Everyone is welcome to join.

Here's how it works. You decide what you can or can't eliminate in your daily or weekly spending during the 29 days of February. You set your own rules for what is or isn't allowed to be purchased. Simple as that. Then publish your post. I previously participated in the Club's No-Buy Month. I decided to join in again this year's February event.

MY GOAL: Save 50% of normal monthly expenses.

Goal: Save $1,500.00
Actual Amount: Saved $TBD

Here's my breakdown:

Expense	% of Monthly Budget	Dollar Amount Equivalent	Actual Spent
Household	60%	$1800	$TBD
Entertainment	15%	$450 equivalent in monthly spending	$TBD
Investments	10%	$300 in investments (including crypto)	$TBD
Savings	10%	$300 in savings	$TBD
Other-Assistance	5%	$150 in gifts	$TBD
Goal	Save 50%	$1,500	$TBD
	Actually Saved 32%	$TBD

I've set my own rules about what I'm allowed to buy or not buy during the month.

ALLOWABLE EXPENSES:

• Food - dairy, bread, and fresh produce ONLY.
• Essential repairs or replacements.
• 1 takeout each week.
• Postage; travel and fuel.

In presenting my no-buy list, I note that pantry items, frozen food items and all essential toiletries and housekeeping replacement items have already been purchased as I keep a full pantry and stock for my immediate and extended family.

NO-BUY ITEMS:

The items below I feel that I can definitely do without for a month.

• No new financial or crypto investment, including silver, gold or other collectibles.
• No shop-bought non-essential sweets or other treats.
• No ceramic antiques, trading cards, comic or other books.
• No new clothing.
• No office or regular furniture.
• No household items.
• No new magazine or other subscriptions.

NOTES:

You have a budget. You plan. Then you see an advertisement for an item you think you can't live without or because an item is on sale. Marketers convince you that it's imperative you purchase it TODAY before the deadline or to take advantage of the free shipping.

Sounds familiar? Well, I've learned over the years to purchase on my timeline.

When it comes to dining out, I've discovered this about myself. It's out of habit, especially since I have two refrigerators and three freezers. Last year, I was horrified to discover that I had to toss expired items simply because I didn't rotate them. Having more than six month's worth of both frozen food and non-perishable pantry items, it's essential to rotate and use the older items next in line.

This all the hard knowledge I've acquired at my disposal and essential items already on hand, I'm ready to start my February No-Buy Month.