{"id":11158,"date":"2015-01-03T13:01:02","date_gmt":"2015-01-03T13:01:02","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=11158"},"modified":"2015-01-03T13:01:02","modified_gmt":"2015-01-03T13:01:02","slug":"jump-start-january-week-1-day-3-2","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/jump-start-january-week-1-day-3-2\/","title":{"rendered":"Jump Start January: Week 1 Day 3"},"content":{"rendered":"<p>Yesterday we looked at <strong><a title=\"Jump Start January: Week 1 Day 2\" href=\"https:\/\/www.pennygolightly.com\/\/jump-start-january-week-1-day-2\/\" target=\"_blank\">monitoring our spending<\/a><\/strong>, right down to the level of the tiniest pennies. Today we&#8217;re going to stay with the tiniest pennies and look at saving them up. Take care of the pennies&#8230;and all that.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-medium wp-image-11159 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2015\/01\/Jump-Start-January-2015-Week-1-Day-3-300x150.jpg\" alt=\"Jump Start January 2015 Week 1 Day 3\" width=\"300\" height=\"150\" \/><noscript><img decoding=\"async\" class=\"aligncenter size-medium wp-image-11159 lazyload\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2015\/01\/Jump-Start-January-2015-Week-1-Day-3-300x150.jpg\" alt=\"Jump Start January 2015 Week 1 Day 3\" width=\"300\" height=\"150\" srcset=\"https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2015\/01\/Jump-Start-January-2015-Week-1-Day-3-300x150.jpg 300w, https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2015\/01\/Jump-Start-January-2015-Week-1-Day-3.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/p>\n<p>Today, the simple task is to <em><strong>start a coin jar<\/strong><\/em> and also to <em><strong>decide what you&#8217;re saving up for<\/strong><\/em>. I&#8217;ve done this activity in the past without a plan or general intention for the cash, and it&#8217;s not as successful as when you have an end goal for it.<\/p>\n<p>Your &#8216;coin jar&#8217; can be anything: an old bottle, a sweet jar, a jug, a traditional piggy bank or whatever you like. Improvise something rather than buying it, if possible.<\/p>\n<p>Next, decide exactly which coins you&#8217;re going to start collecting. For example:<\/p>\n<ul>\n<li>All copper coins<\/li>\n<li>All silver coins<\/li>\n<li>Coins worth 20p or less<\/li>\n<li>\u00a31 or \u00a32 coins<\/li>\n<\/ul>\n<p>It depends on your income, spending habits and budget, so just go with what&#8217;s comfortable to you. Pick coins that you aren&#8217;t going to miss.<\/p>\n<p>We actually have two coin jars here just like last year, one for coins worth 10p or less, and a piggy bank for 50p pieces.<\/p>\n<p>Now, decide <em><strong>what the coins are going to be put towards<\/strong><\/em> on a specific date or when you reach a certain amount.<\/p>\n<p>For example, we put the 1p, 2p, 5p and 10p coins towards groceries whenever the pot fills to the top. My 50p fund gets cashed in during November and is <a href=\"https:\/\/www.pennygolightly.com\/\/jump-start-jan-personal-finance-week-day-5\/\" target=\"_blank\"><strong>spent on a party dress<\/strong><\/a>, so that&#8217;s more of a treat.<\/p>\n<p>I also know somebody who saves up every \u00a32 coin they receive in change, and they put that towards their summer holiday spending money every year. Cocktails on the beach sort of thing. Very nice!<\/p>\n<p>These are micro-savings that you aren&#8217;t really going to miss, but they can be put to some good use.<\/p>\n<p>Now you have to <em><strong>commit to regularly adding the coins to the pot<\/strong><\/em>. If they don&#8217;t go into the pot as soon as they arrive in your home, they&#8217;ll probably get spent on something else instead. Come home, clean out pockets, purse or wallet, and relax.<\/p>\n<p>You might also experience the bonus of selective attention, and start finding those particular coins in the street. They&#8217;re more likely to catch your eye.<\/p>\n<p><span style=\"color: #800080;\"><strong>What are you going to start saving, and what will you be saving it up for?<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yesterday we looked at monitoring our spending, right down to the level of the tiniest pennies. Today we&#8217;re going to stay with the tiniest pennies and look at saving them up. Take care of the pennies&#8230;and all that. Today, the simple task is to start a coin jar and also to decide what you&#8217;re saving&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11159,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[488],"tags":[],"class_list":["post-11158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jump-start"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jump Start January: Week 1 Day 3 &#8211; Penny Golightly<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pennygolightly.com\/jump-start-january-week-1-day-3-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jump Start January: Week 1 Day 3 &#8211; Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"Yesterday we looked at monitoring our spending, right down to the level of the tiniest pennies. Today we&#8217;re going to stay with the tiniest pennies and look at saving them up. Take care of the pennies&#8230;and all that. 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