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Saving Big! by silversaver888

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· @silversaver888 ·
Saving Big!
#### The key to saving on a small budget 
is to reduce the amount on the small expenses that you may not realize is sapping your wallet dry!

#### Food is where we spend our money.
For most of us it is! If you are buying coffee every morning, lunch three times a week, and snacks here and there... you could be spending hundreds of dollars every month!
$7.00 for coffee + $20.00 for lunch + $3.00 for a candy bar = $30.00 x 20 working days = **$600.00/month**

#### Watch those bank fees! 
ATMs are still a practical means to handle routine banking transactions and obtain cash. But it's not always free to use an ATM. This is particularly true if you are taking out cash from a machine that is not part of the network of your bank or credit union. ATM fees can pile up rapidly. Withdrawals from machines that are not part of the network of your bank charges ATM fees <a href="https://www.bankrate.com/banking/how-much-are-atm-fees/">***averaging $4.77 per transaction***</a>. 

#### Be aware of interest charges on credit cards.
Interest is not assessed by credit card companies once a year. Rather, they use your APR to compute a daily rate, which they then apply to your average daily balance. Interest is calculated daily by credit card companies and is based on the average daily balance for the billing cycle, which can last up to a month, as shown on your statement. There may still be unpaid interest charges from earlier days lingering in the background, even if you paid off your whole total.

Despite the growing popularity of cashless payment methods, there are still situations in which using cash is required or desired.

#### It pays to be organized.
Imagine how much all those lost keys, jewelry, chargers, remotes, and so on cost you in the long run. It can be quite expensive.

#### And not taking care of your health and not being on top of your hygiene 
<a href="https://peakd.com/hive-167922/@silversaver888/health-is-wealth">can cost you thousands</a> of later on when you have to visit the doctor for something serious or the dentist.



<br>
https://www.bankrate.com/banking/how-much-are-atm-fees/
https://www.brightmoney.co/learn/why-am-i-charged-interest-after-paying-off-a-credit-card#
https://peakd.com/hive-167922/@silversaver888/health-is-wealth

# <center>😍#ilikeitalot!😍</center>

<center>All photos were taken by me with my iPhone.</center>
<h3><center>This is for #wednesdaywalk by @tattoodjay.</center></h3>
<h3>This is for #SublimeSunday as inspired by @c0ff33a and #BeautifulSunday as initiated by @ace108.</h3>
<h3>This is also a post for the Show us your California of @derekrichardson.</h3>
<h3>As always, this post is for the #silvergoldstackers and #ladiesofhive.</h3>
<h3>A shout out to #TEAMUSA - @tattoodjay, @dswigle, @wandrnrose7, @wwwiebe, @wesphilbin, @thebighigg, and @coinjoe.</h3>

<h3>I am also a member of #ShadowHunters and #OrchidLovers.</h3>

<h3>As always, this post is for the #silvergoldstackers and #ladiesofhive.</h3>


<h3>All comments written on any LADIES OF HIVE posts receive staked ARCHON tokens, along with Feathered Friends and Shadow Hunters posts.</h3>


<h3>Thank you for stopping by to view this article. I hope to see you again soon!</h3>


<h2><center>Hugs and Kisses πŸ₯°πŸŒΊπŸ€™!!!!</center></h2>

<center>https://images.ecency.com/DQmWiuV4tNbD1zVWMzAP3qzoZvXeeDLkp5TjN8gmczD5Uta/image.png</center>
### <center>Gold and Silver Stacking is not for everyone.</center> <center>Do your own research!</center>
### <center>If you want to learn more, we are here at the Silver Gold Stackers Community. Come join us!</center>
<center><img src="https://images.hive.blog/DQmcgRnm4ZGkqm4zoa8qZoQWQPYE9pHbBVmUiueckUCM2V5/SGS-Roadmap.jpg"></center>
###  <center>Thank you for stopping by to view this article. <p>I hope to see you again soon!</p></center>
**<center><h2>Hugs and Kisses πŸ₯°πŸŒΊπŸ€™!!!!</h2></center>**
<center>https://images.hive.blog/DQmanTrbREDXtK6hzaTSu2wiwebyou29VoeheXsEYVJAFZr/Bannerme2.png</center>
<center>https://files.peakd.com/file/peakd-hive/silversaver888/23yxCPczRGubNWNQsgFYFXoz5YKT8fLesN6NV8tB7aurpTYwLfuKTAstJFs9gYhMreDNS.png</center>
<center>https://files.peakd.com/file/peakd-hive/silversaver888/23tS13AAHSo89zVobdfd5xTDjpsXaZaVGBNiaS3Vnymt4TvZCXx9A1CCTmxLHysbZzEMp.jpg</center>
<center>https://images.ecency.com/DQmdGu7THVudZXwKF7T4cnrhaECFRPfzPbLsk9gF5NNPTbS/hive3.gif</center>
<p><b>I post an article daily. I feature precious metals every other day, and on other days I post articles of general interest. Follow me on my journey to save in silver and gold.</b></p>
<center><h2>@silversaver888 </h2></center>.
πŸ‘  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , and 123 others
πŸ‘Ž  
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vote details (188)
@coinjoe ·
$0.28
I agree, those little things add up quick. I used to grab a coffee and breakfast sandwich every morning on the way into work until I realized how much it was costing me each week. I finally started taking my own coffee and breakfast snack from home. All good tips @silversaver888 
πŸ‘  
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vote details (1)
@silversaver888 ·
It's okay to have those things once in a while. But making a habit of it will drain your wallet, @coinjoe!
!BBH
!LADY
!PIZZA 
πŸ‘  
πŸ‘Ž  
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vote details (2)
@elizabethbit ·
$0.31
All of the little 'daily' things do add up.  I know the coffee thing well.  That was why we started pretty much brewing out own espresso way back in 2006!  We still indulge with bought coffees, but right now, that's because of what I call 'blood money' when I work extra.  Yes, I could save it; some I do and some I spend, but it's my little reward to myself for working hard.

Great advice as always sis!  Thank you for sharing; have a lovely evening!  !LUV ya much!  πŸ€—πŸŒΉπŸ’œβ€οΈπŸ˜πŸ˜˜ !LADY !PIMP
πŸ‘  
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vote details (1)
@ladytoken ·
<div class='pull-right'><center><img src='https://images.ecency.com/DQmbNGgo2ZfyBhJKoqCxyAUQFDPuGtk6Deh7ktYU92B1isW/loh_lady.png'><br><sup><a href='https://hive-engine.com/?p=market&t=LOH'>View or trade </a><code>LOH</code> tokens.</sup></center></div><center><br><br>@elizabethbit, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (4/30 calls)<br><br>Use !LADY command to share LOH! More details available in <a href='/hive-124452/@hive-124452/introducing-the-lady'>this post</a>.</center>
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@luvshares ·
@silversaver888, @elizabethbit<sub>(4/10)</sub> sent you LUV. | <a
    href="https://crrdlx.on.fleek.co/" style="text-decoration:none">tools</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">discord</a> | <a href="https://peakd.com/c/hive-159259">community </a> | <a 
    href="https://hivewiki.netlify.app" style="text-decoration:none">HiveWiki</a> | <a href="https://ichthys.netlify.app" style="text-decoration:none"><>< daily</a>

<center><i>"Happiness is not something ready-made. It comes from your own actions. - Dalai Lama"</i></center>
<p>
If you'd like to suggest a quote to be included in the LUVshares reply, go <a href="https://crrdlx.vercel.app/hive/luvquotes.html" target="_blank">here</a>.
<br>
<center>Made with <a href="https://peakd.com/@luvshares" target="_blank">LUV</a> by <a href="https://hive.blog/@crrdlx" target="_blank">crrdlx</a></center>
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@silversaver888 ·
I'm sure you can think of many other small expenses in addition to the above, sis. Yes, rewarding yourself is appropriate, sis!!! And coffee may not be the one that you save on... it is clothes, shoes, handbags, cigarettes, alcohol, etc..
Much !LUV to you πŸ€—πŸ˜πŸ˜˜
!LADY
!BBH
!HBIT
πŸ‘Ž  
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vote details (1)
@diyhub ·
<div class="pull-right"><a href="https://peakd.com/c/hive-189641/created"><img src="https://files.peakd.com/file/peakd-hive/diyhub/AJpnUV2wUykLKW2B136K6E45dj5MsBXffQP4jTsRyy6FiveyRomLnjCQWbLDZ8J.png
"></a></div>
@elizabethbit just sent you a DIY token as a little appreciation for your comment dear @silversaver888!
Feel free to multiply it by sending someone else !DIY in a comment :) You can do that x times a day depending on your balance so:

> Don't be shy - share some DIY!

You can query your personal balance by <code>!DIYSTATS</code>
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@elizabethbit ·
!LOLZ!  I rarely buy clothes and well cigs and alcohol aren't a draw for me either.  I just like my coffee!  Much !LUV to you sis!πŸ€—πŸ’œπŸŒΉπŸ˜˜πŸ˜ !DIY !PIMP
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@hivebits ·
Success! @silversaver888 You mined 🟧 <a href="https://hive.blog/@hivebits/introducing-hivebits">HBIT</a>. If you replied to someone else, you received 0.9 and they received 0.1 HBIT on your behalf.  You can receive 100% of the HBIT by replying to one of your own posts or comments. When you mine HBIT, you're also playing the <a href="https://hive.blog/@wusang">Wusang: Isle of Blaq</a> game. πŸ΄β€β˜ οΈ 
<p>What's more, you found a βšͺ BLAQ pearl (BLAQ) as a bonus treasure token! Your random number generated was 0.1965789634684305 See the odds chart <a href="https://wusang.vercel.app/pages/play.html">here</a>. You can also see your number in the <a href="https://discord.gg/K5GvNhcPqR">Discord</a> server, #hbit-wusang-log channel.
<br><a href="https://tribaldex.com/trade/BLAQ" target="_blank"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKLvehSas2ueQnENYq6j8srsMDKE3VSK6QZtuALm2U8s7eKxFAYyx5e6hjQ7PEF.gif"></a>
<br>There is a <a href="https://peakd.com/bitcoin/@crrdlx/bitcoin-ecash-comes-to-wusang">treasure chest of bitcoin sats</a> hidden in the game. Someone will find it. Happy hunting. πŸ˜ƒ
<p>You can see your random number generated in the <a href="https://discord.gg/K5GvNhcPqR">Discord</a> server, #hbit-wusang-log channel. Check for bonus treasure tokens by entering your username at a block <a href="https://hivehub.dev/@hivebits">explorer A</a>, <a href="https://he.dtools.dev/@hivebits">explorer B</a>, or take a look at your <a href="https://tribaldex.com">wallet</a>. Read about <a href="https://hive.blog/@hivebits">Hivebits (HBIT)</a> or read the story of <a href="https://wusang.vercel.app/">Wusang: Isle of Blaq</a>.
<br><a
    href="https://crrdlx.vercel.app" style="text-decoration:none">tools</a> | <a href="https://tribaldex.com">wallet</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">discord</a> | <a href="https://peakd.com/c/hive-159259">community</a> | <a href="https://ichthys.netlify.app" style="text-decoration:none">daily <><</a>
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@luvshares ·
@elizabethbit, @silversaver888<sub>(2/10)</sub> sent you LUV. | <a
    href="https://crrdlx.on.fleek.co/" style="text-decoration:none">tools</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">discord</a> | <a href="https://peakd.com/c/hive-159259">community </a> | <a 
    href="https://hivewiki.netlify.app" style="text-decoration:none">HiveWiki</a> | <a href="https://ichthys.netlify.app" style="text-decoration:none"><>< daily</a>

<center><i>"The greatest strength is a loving spirit."</i></center>
<p>
If you'd like to suggest a quote to be included in the LUVshares reply, go <a href="https://crrdlx.vercel.app/hive/luvquotes.html" target="_blank">here</a>.
<br>
<center>Made with <a href="https://peakd.com/@luvshares" target="_blank">LUV</a> by <a href="https://hive.blog/@crrdlx" target="_blank">crrdlx</a></center>
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@insanejane ·
!HIVEBITS
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@kerrislravenhill ·
$0.29
'Easy Credit', **Handle with CARE!**

Always, with !LUV πŸ€—πŸŒΊβ€οΈ
!LADY
πŸ‘  
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root_title"Saving Big!"
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vote details (1)
@ladytoken ·
<div class='pull-right'><center><img src='https://images.ecency.com/DQmbNGgo2ZfyBhJKoqCxyAUQFDPuGtk6Deh7ktYU92B1isW/loh_lady.png'><br><sup><a href='https://hive-engine.com/?p=market&t=LOH'>View or trade </a><code>LOH</code> tokens.</sup></center></div><center><br><br>@kerrislravenhill, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (2/30 calls)<br><br>Use !LADY command to share LOH! More details available in <a href='/hive-124452/@hive-124452/introducing-the-lady'>this post</a>.</center>
properties (22)
authorladytoken
permlinkre-kerrislravenhill-1742878898
categorywednesdaywalk
json_metadata"{"tags": ["ladytoken", "loh"], "app": "HiveDiscoMod"}"
created2025-03-25 05:01:39
last_update2025-03-25 05:01:39
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author_reputation1,719,348,139,139
root_title"Saving Big!"
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@luvshares ·
@silversaver888, @kerrislravenhill<sub>(1/10)</sub> sent you LUV. | <a
    href="https://crrdlx.on.fleek.co/" style="text-decoration:none">tools</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">discord</a> | <a href="https://peakd.com/c/hive-159259">community </a> | <a 
    href="https://hivewiki.netlify.app" style="text-decoration:none">HiveWiki</a> | <a href="https://ichthys.netlify.app" style="text-decoration:none"><>< daily</a>

<center><i>"Love and kindness are never wasted. - Barbara De Angelis"</i></center>
<p>
If you'd like to suggest a quote to be included in the LUVshares reply, go <a href="https://crrdlx.vercel.app/hive/luvquotes.html" target="_blank">here</a>.
<br>
<center>Made with <a href="https://peakd.com/@luvshares" target="_blank">LUV</a> by <a href="https://hive.blog/@crrdlx" target="_blank">crrdlx</a></center>
properties (22)
authorluvshares
permlinkre-re-silversaver888-stnxxt-20250325t050113z
categorywednesdaywalk
json_metadata"{"app": "beem/0.24.26"}"
created2025-03-25 05:01:12
last_update2025-03-25 05:01:12
depth2
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last_payout2025-04-01 05:01:12
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@silversaver888 ·
Yes, indeed! Easy credit. It's unbelievable the amount of credit available to me, I'm sure for you too! But, I still drive my old car!
Much !LUV always, sis πŸ€—πŸŒΊβ€οΈ
!LADY  
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-kerrislravenhill-stqwbo
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5"}
created2025-03-26 19:19:03
last_update2025-03-26 19:19:03
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root_title"Saving Big!"
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post_id141,698,038
net_rshares-1,660,601,837
author_curate_reward""
vote details (1)
@kerrislravenhill ·
I get Card offers weekly in my mail.
I go out shopping I get often stopped and offered the Store's credit card.
My new bank keeps offering me their Credit card when I go to their Teller or sign in on their website.
Sometimes I check to see if I have a sigh on my back saying, "I'll sign up for anything!"
It's ridiculous.

Thus is the life of a person with perfect credit rating.
!LOL
properties (22)
authorkerrislravenhill
permlinkre-silversaver888-striux
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5","image":[],"users":[]}
created2025-03-27 03:25:48
last_update2025-03-27 03:25:48
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@luvshares ·
@kerrislravenhill, @silversaver888<sub>(3/10)</sub> sent you LUV. | <a
    href="https://crrdlx.on.fleek.co/" style="text-decoration:none">tools</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">discord</a> | <a href="https://peakd.com/c/hive-159259">community </a> | <a 
    href="https://hivewiki.netlify.app" style="text-decoration:none">HiveWiki</a> | <a href="https://ichthys.netlify.app" style="text-decoration:none"><>< daily</a>

<center><i>"Hold fast to dreams, for if dreams die, life is a broken-winged bird that cannot fly. - Langston Hughes"</i></center>
<p>
If you'd like to suggest a quote to be included in the LUVshares reply, go <a href="https://crrdlx.vercel.app/hive/luvquotes.html" target="_blank">here</a>.
<br>
<center>Made with <a href="https://peakd.com/@luvshares" target="_blank">LUV</a> by <a href="https://hive.blog/@crrdlx" target="_blank">crrdlx</a></center>
properties (22)
authorluvshares
permlinkre-re-kerrislravenhill-stqwbo-20250326t191910z
categorywednesdaywalk
json_metadata"{"app": "beem/0.24.26"}"
created2025-03-26 19:19:09
last_update2025-03-26 19:19:09
depth3
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last_payout2025-04-02 19:19:09
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@ladytoken ·
<div class='pull-right'><center><img src='https://images.ecency.com/DQmdkUSd22WWZ3tZwfJYYvNgs29NWTcBMaxEkg3MEb2odPF/image.png'><br><sup><a href='https://hive-engine.com/?p=market&t=LOH'>View or trade </a><code>LOH</code> tokens.</sup></center></div><center><br><br><br><br><br><b>@silversaver888, You have received 1.0000 LOH for posting to Ladies of Hive.</b><br>We believe that you should be rewarded for the time and effort spent in creating articles. The goal is to encourage token holders to accumulate and hodl LOH tokens over a long period of time.</center>
properties (22)
authorladytoken
permlinkre-silversaver888-1742870391
categorywednesdaywalk
json_metadata"{"tags": ["ladytoken", "loh"], "app": "HiveDiscoMod"}"
created2025-03-25 02:39:51
last_update2025-03-25 02:39:51
depth1
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@pixresteemer ·
!BEER
properties (22)
authorpixresteemer
permlink20250325t024514992z
categorywednesdaywalk
json_metadata{"tags":["archon","alive","cent","hive-engine","pob","pimp","ctp","waiv","hustler"],"app":"pixresteemer"}
created2025-03-25 02:45:15
last_update2025-03-25 02:45:15
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last_payout2025-04-01 02:45:15
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max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id141,660,611
net_rshares0
@silversaver888 ·
!BEER
πŸ‘  
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-pixresteemer-stnu4j
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5"}
created2025-03-25 03:38:45
last_update2025-03-25 03:38:45
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net_rshares6,030,244,892
author_curate_reward""
vote details (2)
@pizzabot · (edited)
RE: Saving Big!
<center>PIZZA!


$PIZZA slices delivered:
silversaver888 tipped silvertop 
@silversaver888<sub>(5/15)</sub> tipped @revolverocelotyt (x2)
silversaver888 tipped coinjoe 


</center>
properties (22)
authorpizzabot
permlinkre-saving-big-20250325t034414z
categorywednesdaywalk
json_metadata"{"app": "pizzabot"}"
created2025-03-25 03:44:15
last_update2025-03-26 19:23:30
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@revolverocelotyt ·
$0.26
>Food is where we spend our money.

If a person somehow learns to eat minimalist, simple food items that are cheap yet healthy, then he/she can save a lot of money. 
πŸ‘  
properties (23)
authorrevolverocelotyt
permlinkre-silversaver888-2025325t74357589z
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk","thesocalhive","orchidlovers","leofinance","sgslife","proofofbrain","shadowhunters","brofi","archon","ladiesofhive"],"app":"ecency/4.0.3-vision","format":"markdown+html"}
created2025-03-25 02:44:00
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net_rshares764,225,725,603
author_curate_reward""
vote details (1)
@silversaver888 ·
There was a time, when I decided to be debt-free of revolving debt, I didn't buy a new dress, new shoes, new clothes, and I didn't eat out (except when necessary) and bag my food... for a year and a quarter! I paid all my debt and never went back, @revolverocelotyt 
!BBH
!LADY
!PIZZA
 
πŸ‘  ,
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-revolverocelotyt-stnud2
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5"}
created2025-03-25 03:43:51
last_update2025-03-25 03:43:51
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post_id141,661,349
net_rshares12,217,579,194
author_curate_reward""
vote details (3)
@revolverocelotyt ·
>I paid all my debt and never went back,

This is a great redemption arc, and perhaps maybe you should write an actual book about it because going into debt is a huge issue these days. 
properties (22)
authorrevolverocelotyt
permlinkre-silversaver888-2025325t85328553z
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"ecency/4.0.3-vision","format":"markdown+html"}
created2025-03-25 03:53:33
last_update2025-03-25 03:53:33
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@silversaver888 ·
Yes, @revolverocelotyt! Eat simple (but delicious!)
!BBH
!LADY 
!PIZZA
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-revolverocelotyt-stqwik
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5"}
created2025-03-26 19:23:09
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vote details (1)
@seki1 ·
$0.29
Nothing but truths said here....

Especially the cutting down on expenses✨
πŸ‘  
properties (23)
authorseki1
permlinkre-silversaver888-stnyle
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5","image":[],"users":[]}
created2025-03-25 05:15:15
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net_rshares867,731,702,647
author_curate_reward""
vote details (1)
@silversaver888 ·
I always try to leave below my means, @seki11
!BBH
!LADY
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-seki1-stqwd0
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk"],"app":"peakd/2025.3.5"}
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vote details (1)
@silvertop ·
$0.31
It doesn't take long for all those fees and small little cost to add up @silversaver888!!πŸ™„
Many of these can be diverted to investments, savings for your future my friend!!πŸ‘πŸ˜€
πŸ‘  
properties (23)
authorsilvertop
permlinkre-silversaver888-2025324t204953518z
categorywednesdaywalk
json_metadata{"tags":["wednesdaywalk","thesocalhive","orchidlovers","leofinance","sgslife","proofofbrain","shadowhunters","brofi","archon","ladiesofhive"],"app":"ecency/4.0.3-vision","format":"markdown+html"}
created2025-03-25 03:49:54
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vote details (1)
@silversaver888 ·
You know it, @silvertop! 
!BBH
!LADY
!PIZZA
πŸ‘  
πŸ‘Ž  
properties (23)
authorsilversaver888
permlinkre-silvertop-stpqif
categorywednesdaywalk
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post_id141,682,839
net_rshares9,554,229,650
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vote details (2)
@silvertop ·
πŸ‘πŸ˜Š
properties (22)
authorsilvertop
permlinkre-silversaver888-2025325t225444147z
categorywednesdaywalk
json_metadata{"type":"comment","tags":["wednesdaywalk"],"app":"ecency/3.2.1-mobile","format":"markdown+html"}
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