A few simple lifestyle changes have helped me lose 26.5kg AND slash my food bill by $35 a week! Over the past six months I have developed my own healthy eating and exercise regime. I began by pushing my one-year-old for an hour a day to the park and around the shops at a brisk pace, using our $20 eBay running pram. I also invested in some second hand hand weights and after extensive research on the Internet, I started my own regime of weight training exercises.

Food-wise, I began buying in bulk and made my own nutritious meals, rather than relying on 'ready to eat' microwave health meals. This way I knew exactly what was in each meal and there was never any waste. I started making my own meal plans and eating smaller portions, going from a 3000 calorie-a-day diet to 1500-1600 calories per day.

Under my new regime I soon began to lose the weight, but the real bonus for me has been in the savings I have made. Changing the way I ate and my portion size has resulted in me saving $35 a week over the past 26 weeks! A win-win situation all round. No personal trainers, fancy diet shakes, pills or supplements - I simply used what I had. I feel fantastic and have the energy levels of a teenager! If I can do it, anyone can!

After reading every newsletter on this fantastic website, I decided to make changes to our household budget.

I started by rummaging through the cupboard, where I found an insulated plunger coffee mug that my husband and daughter had given me as a gift. The mug had never been used as I found it easier to grab a 'latte to go' on the way to work. I bought a tin of ground coffee beans for $6.65, figuring that this tin, with its plastic lid, could be refilled. I now keep this tin in the fridge at work. So, instead of buying three lattes a week at $3.50 each, I now allow myself one a week or sometimes just one a fortnight.

While buying my latte I would sometimes purchase an English muffin with bacon and egg. I now have muffins in the freezer, bacon rashers trimmed and have perfected the three minute poached egg. The bacon takes one minute in the microwave and the muffin is toasted in no time. If I am in a hurry, I wrap the bacon and egg muffin in a small piece of alfoil and take this to work. So instead of paying $14 per week, or $672 per year, I now buy the ingredients for the equivalent of $1.45 per week, saving just over $600 per year. Wow!

You have no idea of how proud I feel. I have saved so much money and it's thanks to your wonderful site.

We have saved over $150 in seeds alone this past year. Instead of paying up to $5.00 for packets of seeds which may or may not sprout, we have started grabbing packets of seeds from the herb sections of Woolworths, Coles and IGA. Most mustard, coriander, fennel, cardamom or celery whole seeds that you get as a spice for cooking will sprout for you in your garden. These normally cost around $1.05 per packet and you will get a lot more seeds than if you bought them from a gardening shop. We also get the full dried peas (not freeze dried) from the soup section and have planted these successfully for three years now. They give us the sweetest sugar snap peas ever! A packet normally costs $1.53 and you get close to 100 seeds. In comparison to buy 'packet' seeds it would cost you over $12.

We also cut the ends off shallots and replant them, it takes about three weeks before they start to recover, but then you have an endless harvest of shallot leaves to use in salads. We do the same with old onions that have hidden themselves away in our cupboards and have sprouted. Plant them in your garden, let them go to seed and you will have a great seed stock for the next few years. No need to buy more!

Garlic can be done in the same way. Grab a clove and plant it flat end into the ground. After about four months you will get a great bulb of garlic from your original clove. Be aware that garlic from China or Mexico has been treated with Bromide (cancer causing agent) so only use Australian grown garlic.

Old potatoes and sweet potatoes that start sprouting can be replanted and will give a good yield. Just cut a 3cm piece around the sprouting part of the potato and plant it, from one potato alone you could get up to seven new plants.

Pumpkin, cucumber, capsicum and other vegetable seeds can be cleaned, dried and then planted out to give you more seed stock to play with. Try planting two different types of pumpkins near each other and you might get a hybrid created which tastes great. Our family had a butternut mix with a jap pumpkin and it was the sweetest tasting pumpkin we'd ever tried. We also let one or two of each vegetable go to seed so that next years planting will cost us even less. Our goal is to go totally self sufficient in the garden. So far we have an abundance of butter lettuce, silverbeet, rocket, mint, corn, tomatoes and sugar snap peas all from previously saved seeds.

My grandson turned six on Boxing Day, and I came up with a new idea for a birthday present that will bring him lots of fun over the next six months. It's called a 'Promise Photo Frame'; here's how it works.
 
I bought a large photo frame with spaces for six different photos. I then downloaded ClipArt pictures of various activities and put them in the spaces with the following captions:
 
Trip to Beach with Grandma
Trip to Zoo with Grandma
Train ride with Grandma
Trip to playground with Grandma
Dinner out with Grandma
Movies with Grandma
 
My Grandson can choose one activity to do with me each month, and when we go out, we'll take a photo of the actual event to put in the space on the frame. This gift, and the activities, can be modified to suit all children, and even adults.

Buying Christmas presents for adult friends and family can be both expensive and stressful, especially when trying to match the perfect present to the person.

So one year I decided to make up small deluxe hampers which contained a mini bottle of sparkling wine, two plastic champagne glasses, chocolates, mixed nuts and home-made shortbread. I purchased the gold wire baskets from the Reject Shop for $2.00 each and the glasses (also from the Reject Shop) were $2.00 each. The mini sparkling wines were purchased from Dan Murphy's and worked out at around $3.50 each when purchased in lots of six. The chocolates were a good quality brand, and individually wrapped, so I bought a large tray and then divided them up (which was cost effective as I only needed around three in each basket). I then purchased a large bag of mixed nuts, which I repackaged into small Cellophane sachets, and I made the shortbread, which worked out to only a few cents each.

The overall cost of each hamper was around $10, including the cost of gold tissue paper (also purchased from the Reject Shop) to line the baskets and ribbon for decorating. I suggest sticking to one colour theme for each hamper, for example, gold covered chocolates, ribbon and baskets or silver baskets and accessories.

It's a good idea to look in places like the Reject Shop or $2 shops as soon as you see Christmas decorations appearing on the shelves. That way you get the best selection and can start putting them together early (except for the shortbread or any home-made foods you choose to include in the hampers). This way you'll have plenty of time closer to Christmas to concentrate on the children's presents!

I saved heaps of money, made something original and had heaps of fun doing it!

I came up with a great low cost, low stress way to feed the crowds at my son's 21st birthday party. With the weather being chillier, the food needed to be warming and more robust than usual. I came up with the idea of a crockpot party! I am borrowing family members' and friends' crockpots and am filling them in the morning with different dishes, then I can 'forget' about them until the evening! When it's time for everyone to eat, I can then just plug them all into a power board and put them on the table. This is a triple whammy saver for me! It saves time as I don't have to spend all day in the kitchen and can get other things ready for the party instead. It saves money as I can use cheaper cuts of meat to achieve tender dishes and - as I don't have to use serving dishes, it even saves on washing up!

We all know how convenient it is to grab a packet of cake mix off the supermarket shelf, but you can save a lot of money by making your own. This recipe is really easy to make and you can store it in the fridge for up to three months or for longer in the freezer.

Ingredients:

250g self raising flour
185g caster sugar
2tbsp milk powder, skimmed or full cream
125g butter

Method:

Sift or process all dry ingredients until combined, and then rub in or process the butter.

To make the cake add:

2 eggs
1tsp vanilla essence
1/2 cup water

When these ingredients have been added to the cake mix, beat the whole lot until combined. Bake at 150C - 180C for 30 minutes if making one cake, or 20 minutes for smaller cakes. For variety, add coffee, cocoa or anything else you like. This is as good as shop bought cake mixes and half the price!

One year a friend gave me a money tin and on the side of it was printed, 'If you fill this tin with only gold coins by the time it's full you will have at least $500'. It really didn't look big enough to hold that amount of money, but I love a challenge so I decided to find out if it could!

We started in March and any gold coins we had went into the tin. Our goal was to open the tin at Christmas and use it to pay off lay-bys plus have some spending money over the Christmas break.

November rolled around and the tin wasn't quite full. However, when we opened it up and counted our 'gold' we were very surprised and extremely happy to discover we had collected $700 in our little tin!

Because of that little treasure chest of gold we enjoyed a fantastic stress-free Christmas! I was able to pay for all the presents for our immediate and extended family as well as cater for a great Christmas day feast, AND we had spending money left over for the holidays.

Now it's a family tradition. My sceptical husband happily donates all his gold coins to the tin and my 12-year-old will go hunting for gold coins just to add them to the collection! I know that I don't have to worry about the financial strain of Christmas any more as my tin has got it covered.

Make over 120 bickies for just $4.00! This fantastic basic bickie recipe is terrific value, makes loads and has lots of room for variations:

500g margarine
1 tin condensed milk
1 cup sugar
5 cups self-raising flour

Cream sugar and margarine. Add condensed milk and flour. Roll into teaspoon sized balls and press down with a fork. Place on greased trays and bake in moderate oven until golden brown (approximately 10-15 minutes).

Before baking I divide the mixture into five and add the following ingredients for different flavoured bickies:
1. Chocolate chips and glace cherries (chopped)
2. Cornflakes and sultanas
3. Hundreds and Thousands
4. Jam drops
5. Milo and coconut

You could add any number of other things like Rice Bubbles, Smarties, nuts, cinnamon and other spices and so on. The raw mixture can be frozen in balls, just thaw slightly before baking.

From this one batch we made 123 bickies and by my calculations using the cheapest possible ingredients, the whole batch cost just over $4.00 to make!