Use Discount Code: &lsquo;mumsonabudget&rsquo; for a 50% discount from Savvysheetsboutique on ETSY! Yep! 50% off!!!

Savvysheetsboutique - SIMPLE BUCKET BUDGET Excel Templates

Use Discount Code: &lsquo;mumsonabudget&rsquo; for a 50% discount from Savvysheetsboutique on ETSY! Yep! 50% off!!!

Click "REGISTER" to join our community for free. Learn all about our community in one simple welcome email.  

Affiliate Disclaimer

Make sure to keep clicking through below to help support our MOAB community.

Deal Websites

ECONNEX - Compare Internet, Energy Solar, Mobile SIM and more!

Make sure to compare your utilities and internet on a regular basis to save money. This service is free to use!

See why Mums on a Budget members love the Budget Binder System with Cash Envelopes !

Budget Binder System with Cash Envelopes 😲 

Savings challenges often involve setting a goal to save a specific amount of money over a certain period, and they may use a visual or tangible method to track progress.
Here's a general idea of how a "Budget Binder System with Cash Envelopes" might work:
<ol>
<li>
Envelopes:The term "100 Envelopes" suggests a challenge involving 100 envelopes, each representing a specific savings goal or milestone. Each envelope might be labeled with a monetary value or a purpose for saving.
</li>
<li>
Binder:The binder could be a central organizer to keep all the envelopes and related information in one place. It might include sections for planning, tracking, and reflecting on the savings challenge.
</li>
<li>
Tracking Sheets:The binder might include tracking sheets where you can mark off each envelope as you reach its savings goal. This provides a visual representation of your progress throughout the challenge.
</li>
<li>
Notes and Reflection:There could be space for notes or reflections on your savings journey. This could include challenges you faced, strategies that worked well, and any adjustments to your savings plan.
</li>
<li>
Motivational Elements:Some binders may include motivational quotes, charts, or visuals to inspire and encourage participants to stay committed to their savings goals.
</li>
</ol>

Savings challenges often involve setting a goal to save a specific amount of money over a certain period, and they may use a visual or tangible method to track progress.
Here's a general idea of how a "100 Envelopes Savings Challenge" might work for you:
<ol>
<li>
Envelopes:The term "100 Envelopes" suggests a challenge involving 100 envelopes, each representing a specific savings goal or milestone. Each envelope might be labeled with a monetary value or a purpose for saving.
</li>
<li>
Binder:The binder could be a central organizer to keep all the envelopes and related information in one place. It might include sections for planning, tracking, and reflecting on the savings challenge.
</li>
<li>
Tracking Sheets:The binder might include tracking sheets where you can mark off each envelope as you reach its savings goal. This provides a visual representation of your progress throughout the challenge.
</li>
<li>
Notes and Reflection:There could be space for notes or reflections on your savings journey. This could include challenges you faced, strategies that worked well, and any adjustments to your savings plan.
</li>
<li>
Motivational Elements:Some binders may include motivational quotes, charts, or visuals to inspire and encourage participants to stay committed to their savings goals.
</li>
</ol>

100 Envelopes Savings Challenge

See why Mums on a Budget members love the 100 Envelope Savings Challenge Binder Book!

SHEIN - 100 Envelope Savings Challenge Binder Book

Savings challenges often involve setting a goal to save a specific amount of money over a certain period, and they may use a visual or tangible method to track progress.
Here's a general idea of how a "100 Envelope Savings Challenge Binder&nbsp;" might work:
<ol>
<li>
Envelopes:The term "100 Envelopes" suggests a challenge involving 100 envelopes, each representing a specific savings goal or milestone. Each envelope might be labeled with a monetary value or a purpose for saving.
</li>
<li>
Binder:The binder could be a central organizer to keep all the envelopes and related information in one place. It might include sections for planning, tracking, and reflecting on the savings challenge.
</li>
<li>
Tracking Sheets:The binder might include tracking sheets where you can mark off each envelope as you reach its savings goal. This provides a visual representation of your progress throughout the challenge.
</li>
<li>
Notes and Reflection:There could be space for notes or reflections on your savings journey. This could include challenges you faced, strategies that worked well, and any adjustments to your savings plan.
</li>
<li>
Motivational Elements:Some binders may include motivational quotes, charts, or visuals to inspire and encourage participants to stay committed to their savings goals.
</li>
</ol>

Temu is not a scam but has some members question whether it is ethical to order from them, however some members find they have the best prices.

TEMU - Not a SCAM but many people claim they have had issues after shopping with them

Many members of Mums on a Budget Australia do shop on Temu. I have as well and never encountered an issue. However, there are many members that comment the know someone who's credit card details were compromised after using TEMU. In this case use a company like PayPal when paying if you choose to shop there.&nbsp;
&nbsp;
To determine if something related to "TEMU" is a scam, consider the following precautions:
<ol>
<li>
Research: Look for credible information or reviews about the specific "TEMU" entity or activity. Check official websites, reviews, and reputable sources for any red flags or warnings about scams associated with this name.
</li>
<li>
Verify Legitimacy: Be cautious of unsolicited messages, emails, or offers related to "TEMU." Verify the legitimacy of any communication or business proposal before providing personal information or engaging further.
</li>
<li>
Official Channels: If "TEMU" is associated with a company, product, or service, visit their official website or contact their verified customer support channels to confirm legitimacy and authenticity.
</li>
<li>
Trustworthy Sources: Only engage in financial transactions or provide personal information through secure and trusted platforms. Be wary of requests for sensitive information via unfamiliar or unsecured channels.
</li>
<li>
Report Suspicious Activity: If you suspect any fraudulent activity related to "TEMU" or encounter something that appears to be a scam, report it to relevant authorities, such as consumer protection agencies or financial regulators in your country.
</li>
</ol>
Remember that scams can evolve and take various forms, so staying informed, exercising caution, and verifying information can help protect against potential scams or fraudulent activities.
&nbsp;
Please leave a review below on your experience on shopping with Temu in Australia!

Savvysheetsboutique - SIMPLE BUCKET BUDGET Excel Templates

HOT BUDETING FINDS 🔥

ECONNEX - Compare Internet, Energy Solar, Mobile SIM and more!

Budget Binder System with Cash Envelopes 😲

100 Envelopes Savings Challenge

100 Envelope Savings Challenge Binder

TEMU - Not a SCAM but many people claim they have had issues after shopping with them