Skip to Content

January – Track Your Spending

January – Track Your Spending

How to Get Back on Track After the Festive Season and Set up 2022 for Success

This month will be all about tracking your spending, working out your budget AND saving on back to school supplies. We have some savings challenges you might want to try along with loads of discounts. Check it all out below.

Disclosure: This article contains affiliate links to products and services I personally use.

Book of the Month

Each month I will suggest a book or a few books that tie in with the theme. Here are my suggestions for this month:

The Barefoot Investor: it gets you back to basics or helps you start if you have never budgeted or done anything with money before. It is basic and aimed at the general masses though.

The Simple Path to Wealth: is American but explains investing well.

Quit Like a Millionaire: is another book that is about investing, living frugally and achieving early retirement.

The Psychology of Money: if you’re already set with a budget and the basics, this book will help you understand yourself and others plus how we manage money so much better.

Goal Setting, Making Money and More for 2022

22 ways to make money on the side in 2022

5 savings challenges you can try in 2022

How you can save $10,000 or more this year


Here are some tips and articles on budgeting:

How to Create and Stick to a Budget

How to Stick to a Budget as a Single Income Family

How to Become a Millionaire, even as a Single Mum

Back to School

Back to school can be expensive with school supplies, clothing and other essentials. Check out this article with everything you need to save money on education.

Also, read The Real Cost of Raising Kids and how to Reduce it for more ideas.

Discounts For You

Below you will find exclusive discounts for everything we could get you for January. This will be updated all throughout the month as we get new offers.

LoveHoney (adult store) has up to 70% off in their outlet section.

Ben Sherman has up to 50% off until January 26, 2022.

CrazySales has up to 65% off a huge range of summer items until January 31, 2022.

Adairs has up to 40% off here.

Adult Toy Megastore has up to 90% off which is huge. Adult content in this link.


Up to 75% off wine with VINOMOFO. They have amazing deals all the time and up to 75% off world class wines.

The Whisky Club Free Dram worth $35: TheWhisky Club is offering a free dram worth $35 for all new orders with the code 104846 here.

$100 off wine with Naked Wines: I tried them this week, fast postage, great range and supporting Aussie and NZ winemakers. Get your $100 here.


Up to $150 off EveryPlate: Australia’s cheapest meal delivery service. It’s 40% off your first box and 20% off each of your second and third.

Get up to $130 off your first 4 boxes with HelloFresh: this is a HUGE discount! Check it out here. OR get your first box free here.

$100 off Marley Spoon: but this is split over your first 4 boxes. Grab your $100 here.

$60 off Dinnerly: one of Australia’s cheapest meal delivery services. Split across your first 3 boxes. Get your $60 discount here.

Get 15% off Mavella Superfood Boosters, excluding sales items with the code Thrifty15 at Mavella.

Free Money

Banks offer bonuses, as do other companies. Here are a couple of ways to get instant or almost instant free money!

Get $20 from 86 400 when you sign up with the code S7VL6WF and use your card 3 times. (Increased from their previous $10 offer.)

Up Bank offers $5 instantly! I’ve been using them for 2 years now both in Australia and overseas. Get your $5 here.

CoinSpot offer a sign up bonus of $10 in BitCoin when you invest $10 here.

Spaceship offers the chance to win $1,000 when you join with the code S8V9COQG7S and invest as little as $5.

Raiz offer $5 as well with the code V3A2Y7 but have a monthly fee.

Score a bonus $10 when you sign up to Cash Rewards and buy something worth over $20 online where you normally shop.

Shopback offers the same too. Be sure to sign up to both because you will get cash back on ALL your shopping at stores they are connected with.

$5 Cash from WeMoney: Track your money easily and for free with WeMoney and get a bonus $5 when you join and connect your first account. Use the code GHPT8091 to get your $5 here.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

%d bloggers like this: