Hello Everyone,

Happy New Year and welcome to Saturday Savers Club with Susie Saver. We're going to be running every Saturday through 2021 and growing a little savings honey pot.

Have you got any plans for saving this year? Would you like to be in a different place this time next year? Maybe you'd like a little honey pot to spend or to clear some old debts hanging round your neck or may be you want to start building for the future?

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

^{Image by Ryan McGuire from Pixabay}

It's always good to have a framework or a target when you start saving and we're going to use the 365 Penny A Day Challenge. This starts nice and easy, so slow you don't even notice, just like boiling frogs in water, just day 1, put aside one penny, day 2 put aside two pennies, until day 365 when you save £3.65 and you end up with 66,795 pennies or £667.95.

You can do the 365 Day Challenge with any unit of currency - pennies, cents, hive, bitcoin - whatever you have lying around and you can easily get your hands on. You can keep physical pennies in a jar, or save them in an account, maybe a credit union account. You can use the sheet below to track your progress:

^{Right click on the image, save it to your computer and then print it out.}

I did this for the first time last year. I was blasé about the first week:

Ha! I laugh at your 3p!

And worried (needlessly) about the final week:

Erm ... you're saying that'll be £21.75?

Of course, by the time I made it to week 52 (and weeks 48, 49, 50 and 51) I had learned how to put those pennies together every day without affecting my budget or the way I lived. That's right, I learned how to save. Gradually, week by week, you learn how to find that little extra bit of money that is going to make a £670 difference by the end of the year.

There's a bonus, too, to learning how to save, which is that your attitude and your approach to money and your economic well-being will have changed. You'll be in a different place and have a different mindset.

How Are We Going To Do It?

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, 2nd January, was 3p. Next week, we'll be saving 42p and by Saturday we'll have savings of 45p.

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

Here's this week's results - 3p buys 0.256 Hive.

It's not included in the image, but the account is worth $0.03 - bang on!

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 @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

^{Image by 3D Animation Production Company from Pixabay}

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. Why the Golden Pig? Well, sometimes, we'll pick tips you've left in the comments and when we do you'll win a Golden Pig HBI share.

This Week's Golden Pig Tip

start small, start today

What's your favourite tip for starting to save? Leave it in the comments below for a chance to win HBI shares.

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.

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

^{EDS, @eddie-earner's income token, is part of the SPinvest family including SPI (@spinvest), LBI (@lbi-token) and the @spinvest-leo account - a cool club in the making. You can find them all at hive-engine.com or leodex.io. Motto: Get Rich Slowly.}

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