"The Secrets to Saving Money"
by Fiona Lippey
& Jackie Gower Order Here
Save $3500 a litre
on beauty products! Order Here
Have you ever added up how much beauty companies actually charge you for their products? Well, we did and here is a list of their prices:
|Brand||Product||Price||Total per L|
|Loreal||Revitalift Total Repair 10 Serum||30ml||$39.95||$1,331.67|
|Loreal||Age Perfect Intense Nutrition||30ml||$39.95||$1,331.67|
|Lancome||Génifique Repair Youth Activating Night Cream||50ml||$155.00||$3,100.00|
|Lancome||Génifique Youth Activator||50ml||$115.00||$2,300.00|
|ESTEE LAUDER||New Advanced Night Repair Eye Serum Infusion||15ml||$105.00||$7,000.00|
|ESTEE LAUDER||Advanced night repair||30ml||$105.00||$3,500.00|
|ESTEE LAUDER||Re-Nutriv Ultimate Lift Age-Correcting Serum||30ml||$410.00||$13,666.67|
Well, we found a secret. Two years ago Fiona read this article about Australia's macadamia oil industry and discovered 90% of oil sold goes to the cosmetic giants as one of the main ingredients in anti-aging products.
Well, we decided to try the Cosmetic Macadamia Oil on it's own and the results are just as good as the big name products. But, Cosmetic Grade Macadamia Oil is only $20 per litre.
To find out more about the oil bought by the cosmetic giants and some of the best day spas in the world click here.
G'day and welcome! If you would like to learn how to save money then you are in the right place. We have devoted the last ten years to helping people lower their bills. During this time, we have sorted through over 50,000 money saving tips and collected the best of them together for members to read at their leisure in our Vault. Simple Savings is so respected we have been on the cover of The Sydney Morning Herald and The Melbourne Age's Good Weekend Magazine, have worked with eBay and we are even on the government's official Money Smart website. We have also written a best selling book, called "The $21 Challenge".
If you are not a member, check out the newsletter archive. It is free and full of helpful money saving advice. Or, go to our free tipsheets. They are in the Downloads area with other great free tools and printables. You can also watch videos of us on YouTube or go to our Facebook page.
It is free, it is safe and we respect your privacy.
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If you are already a Vault member, then login on the left and devour the Vault or be inspired by the frugally fantastical Savings Forum.
If you would like to become a member you can go directly to our order page or read the page below. It will explain the philosophy behind Simple Savings.
Simple Savings started because I was sick of watching consumers, especially new mothers, being ripped off by companies. So my husband and I set out to teach people how to be smarter consumers. I wanted to show people the tricks of the trade so they would gain more control of their lives. That was back in 2002.
For much of this time people did not really want to learn how to save money or be frugal. People who were frugal were frowned upon, insulted and laughed at. I used to call it, 'Frugal bashing'. But, times have changed and now being frugal is fashionable. But, for a long time it wasn't and we had to sell frugality. This was the sales pitch:-
It's true! All you need to do is learn how to become a smarter consumer - then you will start accumulating cash. It is easy to do - much easier than you imagined. The tricks are simple. The techniques are basic - things that our 115,000 readers use every day.
Simple Savings is the most comprehensive money saving site you will come across. We can show you how to save money on groceries, gifts, cleaning, holidays, cars and phone bills. You name it, we have got it! This site has been operating and growing for nine years, so the depth and breadth of the tips is huge.
Life is a game and there are winners and losers. If you learn how to get in control of your spending, you are a step ahead of your neighbours. If your neighbours are living off $60,000 a year and you are living off $30,000, you will be $30,000 ahead of them each year! By reducing your bills, you will be able to achieve more and accomplish more because your living expenses will be lower.
The only reasons why my husband, Matt, and I were able to set up this site is because we happily lived off next to nothing for a long time. Matt and I are skilled IT workers; we turned away big wages because we were very happy doing what we are doing, which is only working a couple of days a week and spending very little. We only needed to earn $30,000 a year to live off. If our basic living expenses were $60,000 a year, we would have had to stop working on Simple Savings and 'get a real job'.
I'm not saying that we have won the game of life; far from it. There is still a very long way to go. I just wanted to show you how living off less money gave us the freedom to follow our dreams.
Here is just a brief sample of some of our happy members, who have successfully turned their lives around:
"It is fantastic. If it hadn't been for the suggestions and ideas from your website, we probably would have lost the house last year. But, instead we are thriving. I no longer live from pay cheque to pay cheque. It is a great relief and now I finally know what it is like to kick back and really breathe. I am on my way to being a Happy Hanna. I just can't gush enough. THANK YOU Simple Savings!" (Leah Pasnin)
"I am so proud of myself and want to thank you for teaching me some new ideas for saving money. Hopefully I will have saved enough in the next couple of months (and changed my habits sufficiently) for my partner and I to be able to afford to have our first child. Thank you!" (Jennifer Davies)
"I just want to say a big 'thank you' for your very helpful site. I have been married for nine years, and despite my husband and I both working during that time, we have always seemed to struggle to make ends meet. Now, with a toddler and a baby, and one income, things are tighter than ever. Your hints and ideas have opened my eyes to see all the areas we were wasting money and have shown us ways to save. We are now saving for that once elusive house. I cannot sing your praises enough, you are doing a fantastic job. Really, saving is so simple once you know how!" (Debbie Mills)
"I just wanted to give you all a huge thank you for helping me become so much smarter with my money. Thanks to your site my husband and I have paid off our credit card, paid off most of our car, are well on the way to owning our first home, and - I think most importantly - we know that if we had to do it tough for some reason, we could not only survive, but be happy and get ahead." (Harmony Steel)
"I have found Simple Savings a godsend. I have changed my shopping habits completely. I spent $108.09 back in August (when I discovered Simple Savings) on bulk goods, laundry powder, vinegar, sugar soap, washing up detergent, liquid hand wash, shampoo and conditioner and a crystal deodorant stick and I have not had to spend another cent on these items since (now December). I have also shopped around for car insurance and saved $130 a year by searching the Net. I have also changed my Internet and phone providers and am saving myself up to $90 a month. We have just had a weeks holiday with the savings we have made. Thank you, what a great service!" (Lucy Bennett)
"Love your site, so interesting and so much to read and try. I will have to live forever! I have always wanted to travel to Antarctica on holiday and have saved hard and will now be fulfilling my dream and am off for 25 days on 8th December - I've never been an extravagant person and spend most of my year making toys and dolls for charity shops, and beds for animal welfare, so I deserve it! Have a happy Christmas and a wonderful new year; think of me on top of a glacier with my bargain bucket thermal underwear, thick socks and wellies - you have taught us all well, keep up the good work." (Marlene Harris)
It may seem like a mighty big claim but it really is possible. Not only is it possible - it's easy! We receive pages of emails every month from grateful members to prove it. All you need to do to start changing your life for the better TODAY, is make a choice:
It costs nothing and you will receive:
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As you can see, we have a lot to offer our free members - but the people who save the most money are Savings Vault members.
It costs $47 to upgrade and you will receive all of the above free member benefits, PLUS:
PLUS - we have a 365 day 'no questions asked' money back guarantee. You have nothing to lose - and everything to gain!
If you are interested in our story, how this site evolved and what we do, join our free newsletter below. The first copy will help you catch up to the other members. It is a private list and will never be sold or given away for any reason. All members mean far too much to me to risk losing by doing anything like that.
Bear in mind too, that if you don't like us or change your mind or whatever, you can unsubscribe with the click of a link. What do you have to lose?
"I cannot believe the different ways your newsletter helps me to save money.
"I can really tell that you care and that this newsletter is not a business for you, but a helping hand to us out here that need it. Thank you for all your help." (Kim May)
"The Secrets to Saving Money in Australia"
If you are spending more money than you are earning, it is going to blow up in your face.
It may not catch up with you today, but it will eventually catch up with you. It is only a matter of time. You may be 'lucky' and only lose your house and car before you turn things around - or you could lose your family or end up childless. Money problems are the...
It is a sad fact that many adults have resigned themselves to having to work full time to make ends meet, but that is just silly! You don't have to do it!
You could enjoy a three-day weekend every weekend if you learn how to be a clever consumer. Yes, that is right.
That might seem like another mighty big claim. How is it possible? It is. My husband and I have four-day weekends almost every weekend. Think about it. It makes sense. If you are part of a couple and you only need one income to live off - let's say $40,000, you could actually drop back your full time jobs to permanent part time ones earning $20,000 each. Your total household income is $40,000 and you can enjoy a long weekend every weekend. Joining the Savings Vault will help you lower your bills by $5,000 a year. I guess you could say becoming a Vault member is a very cheap shortcut to semi-retirement!
Not everyone wants a long weekend every weekend. Others prefer to save it up, and enjoy an extra week off work, the way Beth Pastore did:
"I live with my husband and four year old twin boys in a unit, and we discovered Simple Savings at a time that was very difficult in the life of our family. I wanted to share a bit of our journey that led to saving money and an improvement to our quality of life. When I discovered Simple Savings, my husband was a self employed contractor who was between jobs, and our income became more limited as I worked part time. We have many fixed expenses, including a large mortgage, and pre-school fees.
"We were feeling very stressed emotionally as well, and finding daily living difficult to manage. I pored over the Savings Vault and found a wealth of information to assist us in reducing our expenses. As we were feeling quite vulnerable and finding change a struggle, we picked one tip a week to research or implement, starting with the simplest first, so we could experience enough success to motivate us to continue.
"The first week, my husband put his razor in a small glass of olive oil (to prevent rust and make the blade last longer). The next, we replaced our fabric softener with 1/4 cup of vinegar and put vinegar in a pump spray pack to clean our benches. We also started using vinegar to clean our floors. As we 'succeeded' we began to feel better about life, as we were exercising control over our situation, and it felt creative.
"This week I have taken my first week of unpaid leave from work to be with my cherubs during the school holidays, and it is such a priceless and precious gift. I really appreciate the invaluable life tools that I have gained from your website, and value sharing this way of life with my children. I encourage the financially overwhelmed to add one tip a week to your life - they all add up to big change!" (Beth Pastore)
If it takes you one week to earn $700 after the tax man and everyone else has taken their chunk and, you manage to cut your phone bill by $700, then that is equal to one week you won't have to work.
If you earn $15 per hour after everyone has taken their slice:
This means, if you can manage to save $15 at the supermarket, that is one hour you don't have to work. It gets even better! If you only needed an extra five minutes to save $15, you are already 55 minutes ahead.
If it takes ten hours a year to reduce your grocery bill by $1500 - which is surprisingly easy to do - it is the equivalent of being paid $150 per hour. Saving money can be very profitable.
Showing up at an office five days a week to make money for someone else is hard.
The best part is, the more you save, the more you keep. Unlike at the office, where the more you work, the more you get taxed.
Here are three ways you can help yourself:
1. Start by bookmarking this site. This way you will be able to find us again when you want us. (Nothing worse than wanting to come back but being unable to find us!) This one is easy - just press Control + D on your keyboard.
2. Join our free newsletter. This way, you get the good stuff emailed to you. There is a lot of information published in these which is not published on the site. We send one long newsletter per month (view sample) and one short one each week .
"The Secrets to Saving Money in Australia"
3. Explore the Savings Vault. The Savings Vault is our paid members' area. It costs $47 per year and it is chock full of saving hints. Joining the Vault will give you more control. If you want to start learning how to lower your electricity bill you can go to that section of the Vault right away, rather than have to wait until we include a hint on electricity in the newsletter. To give you an idea of how many ways you can save money:
"One of the best gifts you can give at Christmas time is a membership to Simple Savings. My stepmother bought me a membership last year and it was one of the most helpful, useful, entertaining gifts I have ever received. It has made my life so much more enriched, I have more money saved in my account than I have ever had and everything in general seems just that little bit easier in this fast paced world! I know that if I have a question or need help with something, guaranteed I can find it among the fantastic hints. Make up a folder (display folders can be purchased very cheaply in any supermarket or budget store). Print out some relevant helpful hints and 'Free Stuff' or 'Budget Planners' for your friend or family member, or get really creative and make up a personalised scrapbook. Include a membership for the year and I guarantee the recipient will be thanking you too for this very thoughtful gift." (Leah Greig)
Join the Vault and we can show you how to slash your bills so you will have more money and won't end up a Sad Sally. Will the Vault really help you lower your bills? The answer is "YES"! Here are some examples:
"I have renewed my membership today because it has been fun and worthwhile making savings. We are off to Plantation Island in Fiji in 9 days time because of the $50 a week I have pocketed away every week for two years!!" (Shara Picketts)
SAVE $400 on cleaning products. Learn what works, what doesn't, and how little you actually need. You'll be surprised!
"I have been with Simple Savings for nearly a year now and, because of all the great money saving hints, I am now able to work only four days a week. I am in my late fifties and I am really enjoying cutting back on my working hours.
Three days off a week is fantastic and I could never have done this without all the hints I have been reading and putting into practice. I will always be a loyal member of 'Simple Savings'. Thanks to all that have put their hints into the Vault and thanks Fiona!" (Pam Floyd)
SAVE $6,000 on baby products. Many of the 'must have' essential baby items are nonsense. All they do is put extra financial strain on young families.
"Since subscribing, I have been addicted to your site. The most useful hints so far have been the baby wipes recipe and using zinc cream instead of Johnson's nappy rash cream. I have been addicted to the computer ever since!!!" (Anne-maree Cooper)
SAVE $1,200 on your grocery bill. It is easy to cut your grocery bill by $100 per month. That is a total of $1,200 per year. Make your own cheaper and inexpensive home-made recipes so you can save more money.
"Many thanks from a mum of five, who stays at home quite comfortably, not in the least deprived, due to your great site!" (Sharon Miller)
SAVE $600 buying gifts. We have hundreds of great gift ideas for under $5, $10 and $20. The ideas are clever and very cheap. Perfect for all year round gift occasions or for a fantastic frugal Christmas.
"After working out our budget I knew we had to reduce our grocery expenditure but had no idea how. Simple Savings has helped me to save $30 a week - and often more." (Debbie Eustace)
SAVE $5,000 on your next car. The less you spend, the sooner it is yours.
"I've just bought a new car and saved $5000.
A couple of years ago I had decided that I would put away 10% of my pay each fortnight into a separate account for a new car. I reasoned that 'what you don't see, you don't miss', and saved almost effortlessly. Any extra left in my account at the end of the fortnight also went to this account. As it's a ING Savings Maximiser account, the interest started becoming quite significant!
"After deciding on the car I wanted, I sold the old one privately, getting $3500 more for it than I would have for trading it in. I also increased my bargaining power by not having a trade-in.
"I then hit the phones. I started at the dealerships in my state (NSW) furthest from me, asking for their best price, no finance, no trade-in. By the time I called the local dealership (in Newcastle), I had the best price available in the state, and asked them to match that price, or I'd head to Sydney! After all, a train trip and $20 in petrol to return was peanuts compared to paying full price!
"Now, not only have I not had to borrow money I have also: reduced the amount I had to save by accumulating $1000 in interest from my ING savings, gained an extra $3500 by selling - rather than trading-in the old car, and saved myself $850 on the purchase price just by spending an hour making a dozen phone calls!
"Instead of taking out a four year car loan I'd still be paying off, I've managed to buy my new car outright in two and a half years, finding almost $5000 (or a quarter of my car) without too much effort!" (Helen Fung)
SAVE $200 on pet supplies. Pets do not have to cost a fortune to feed or care for. There are ways you may never have thought of to save money on food, kitty litter or removing urine from the carpet.
"Thanks for a truly wonderful website. There are some 'triers' out there and some very clever ones like yours! Thanks also for Priceless Pets. What a saving they offer!" (Lesley Lanyon)
SAVE $360 on bank fees. Learn how to get some of your fees back from the bank. It is possible!
"I just want to say that I am glad I signed up and found out on the same day how to save $360 per year by detaching my cheque book from my bank account (detached now). The next day I found a credit card for 9.5 percent for my son who owes $5,000, so the saving on interest is great. At present he is paying 16.9 percent. I also found a bank account that is more suited for his needs. I am very happy, and I still have the Vault to go through for yet more savings." (Evelyn Morrisson)
SAVE $400 per year on your phone bill. We will show you how to reduce it.
"I would just like to thank you for your suggestion about pension discounts from Telstra. We were under the impression that we were getting the pensioner discount, but on triple checking, we found we weren't, even though we were registered with our pension number, etc. This has been going on for a year, so I must stress to all pensioners to check and check again. If you can't see a discount on your account, you are not getting it. Pensioners are supposed to get both a rebate from Centrelink for the phone and a pensioners discount direct from Telstra. Apparently our discount will be back-dated from when we first supplied our pension number to Telstra. Thanks again. Without your Savings Vault I don't know where we pensioners would be. It's a great site worth much more than youcharge." (Roxana Vinson)
You are right - there is a lot of free stuff around and I think this question is best answered by Emma Foster:
"I just wanted to let you know that your site is amazing. My partner and I have a ten-month old son and have been living with my family since his birth because we hadn't financially prepared ourselves for the loss of my income while I was on maternity leave. For the last ten months I have been searching the Internet for money saving ideas and cheap recipes to prepare us for when we move back out on our own. I put off purchasing a Simple Savings membership, despite its high recommendations, thinking it would just have all the same ideas as all the other sites I visited for free. I gave in a week ago and purchased a subscription and have been pleasantly surprised! I have learnt more from the tips submitted to your Vault then I have learnt from all of those sites put together. It is well worth the money. We are moving out in six weeks to start our life as a family and I feel completely confident that we will be financially stable despite me cutting back to part time work to be at home with our son. Thank you for everything." (Emma Foster)
The reason that the Vault is such a fantastic resource and better than anything else on the Net is every hint in the Vault is vetted, categorised and edited by professionals, making them easy and enjoyable to read. We pay staff (actual humans, not robots) to filter out all the garbage. Occasionally we make the odd mistake and let a bad one through, but they are removed quick smart.
This makes the Vault a really enjoyable place to hang out and learn how to lower your bills. Think of it this way; when you look at how many ways you are currently wasting money, $47 is next to nothing. But, if you do buy a membership and find it is not for you then we have a
If you do not feel you are getting good value or you are not happy with the Savings Vault for any reason, you can have your money back. We are still growing. We add around 100 hints to the Savings Vault every week. So we are giving you a 365 day guarantee. So if we are not covering your area completely, or you don't like me, or we haven't answered your questions or for any other reason, you can have your money back. No questions asked. Right up to the final day of this 365 day guarantee!
Not much really. Hopefully, you will at least sign up to our free newsletters. But we can only help you if you want to be helped. There is an old saying, "You can lead a horse to water, but you can't make it drink."
"The Secrets to Saving Money in Australia"
This way you get the good stuff emailed to you. There is a lot of information published in those which isn't published on the site.
The Vault may not be for you today. It may not be for you next week, but please bookmark this site and store us in the back of your mind in case you, your family or your friends need help at some point in the future. The logic behind building the Vault is making sure help is there when people are ready for it. We have spent thousands of hours making the Vault a brilliant place for you to learn.
If our site was a lemon, the press would fry us, but on the contrary:
We have nothing to hide. We truly are here to help people. To put our money where our mouth is, we allow members of the press to access the Vault for free.
If you have an official 'media' email address. Such as firstname.lastname@example.org or email@example.com, send us an email and we will give you free access to the Vault. This is not restricted to journalists alone - why should they get all the spoils? You can be the receptionist, IT manager, PA or even the cleaner, as long as you have an official email address (yes, we do check).
If you would like to have a look around the Vault, please contact us.
Let's say you try a Vault membership and you learn how to lower five basic bills. For example, you manage to shave:
Compared to what you could save by joining, the $47 Vault fee is almost free! Can you think of a better investment? You only need to use five of the 8,000+ hints to get your money back in the first week.
Instead of going forwards and saving $80 each week, you will be going backwards. Every week that you delay your decision is like flushing $80 down the toilet, so it is a wise decision to buy a Savings Vault membership NOW - even if you have to do it on credit. If the statement comes and you don't have the money to pay for it, or you haven't enjoyed the Savings Vault, ask us for a refund. We won't mind and you will have lost nothing.
All our staff are here to help you get ahead. We don't mind if you ask for a refund. It is OK. We are here to help you keep your money. So what are you waiting for?
Go to our secure order page. Give it a go. Remember, I take all the risk. As Debbie Eustace says:
"There is nothing more satisfying than watching your savings grow."
I hope you have a great day!
and founder of Simple Savings