Keep glass showers sparkling clean for months at a time by using baby oil. First, clean the glass on the inside of the shower well, then dry off. Next, take a soft cloth and smear a small amount of baby oil. I stress a SMALL amount to ensure no oil runs down to the base of the shower, creating a potential hazard. Pay extra attention to wiping the edges and bottom of the glass. Once you have done this, the glass will look smeary and quite awful really - until you have the next shower! The hot water heats the oil and smooths it out on the glass. I have never had the problem of any oil running down onto the floor, even after heating it. You'll find a very small amount goes a very long way. Basically, the soap scum cannot attach itself to the glass, which stays clean and clear for at least three months at a time. By needing to re-apply the baby oil only every few months, this adds up to a huge saving in expensive bathroom cleaners!

I created a storage system in my home office that cost next to nothing!

I stacked four white planks, one on top of the other, supported in between by two house bricks at either end. The bricks are covered in bright red fabric to stop scratches and to blend in with the office décor. Instead of buying cane baskets from Spotlight at $22 each, my 20 filing baskets are black mushroom boxes, free from the supermarket. These boxes are strong and sturdy and the perfect size for A4 papers; they even have handle slots, so the boxes can be pulled out easily. I stuck large labels on the front of each box indicating what is inside, and my invoices, accounts, bank statements and so on are now readily at hand.

My storage system is a great time saver, the red/white/black colour scheme looks great and it cost nothing except for the MDF planks which Bunnings cut to size to fit my space. I saved over $400 on the baskets alone!

Pleased with how well this worked, I did a similar thing in my craft room, to store and organize all my sewing, patchwork fabrics - immediately visible when the box is pulled out – knitting wools, card making paper and supplies. I covered the boxes in pretty pink wallpaper off cuts bought for a few dollars from a garage sale. Same story in the kids' playroom, where their storage shelves acts as a room divider. The kids have painted crazy designs on the boxes, which hold colouring pens and pencils, card, paper, scissors and toys. The kids are allowed to pull out only one box out at a time, so the toys are always cleaned up and put away before the next one can be pulled out.

Simple, cheap as chips and such a stylish way to stay organized!

Instead of paying for one expensive doona, and the dry cleaning costs that come with it, buy two or three cheap doonas, pin them together at the corners, and put them into the same doona cover.

Because cheap doonas are thinner, you can wash them one at a time in your washing machine, and you can also adjust the warmth. When the weather starts getting warmer, just take one doona out of the cover and put it away in the cupboard.

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.

We have saved $500 a WEEK and I've got my life back again! My husband lost his job in October last year, just weeks after I had gone back to work part time to 'supplement' our household. At the time, we had over a dozen payments going out every week, and I really thought the solution was to work more in order to get more money. However, after 6 months of missing my two small children, and working 70-90 hours per WEEK, we made some wise, life-changing decisions. Firstly, we moved house, which automatically saved us $150 per week in rent. the house is further from town but, unbelievably, we now spend LESS per fortnight on fuel than we used to because instead of just jumping in the car now, we plan our trips. This alone gives us a $75 weekly saving. We finally finished paying off our car (another $100 per week), I took our children out of daycare to be the mum I wanted to be (another $50 per week), I on-sold our gym memberships ($26 per week), and we cleared up four other outstanding debts that had been hanging over our heads (totalling $2000) simply through recognising that I had to make the little money we had work for US, not vice versa, and that NEEDING LESS was more important than caramel lattes, trips to Mcdonalds and new clothes. (Oh, and now we have 3 weekly payments, rent, power and insurance- magic!)

My husband is still job searching, and I work 25 hours a week which is what we comfortably live on. I reduced our WEEKLY expenses by nearly $500, which is almost 50 odd hours per week that I no longer have to work. It is SO empowering, and even though we 'have' less, as a family, what we have gained is immeasurable.

My mother, sister and I have changed our spendthrift ways to help each other out and enjoy quality time and a regular meal together.

We used to spend our weekends shopping. Of course we bought things we did not need. Even worse, we spent tons of money on eating out in the mall! So, we changed our habits! Once a month we spend a day at one of our houses, taking it in turns. The hostess is responsible for lunch and the others help her with a project around her house.

For example, we have painted a playroom, done general cleaning, cleaned a garage, collected items for charity and more!

I add a supermarket gift card to my weekly grocery list and use them all up to shop for Christmas! After doing some calculations I realised that the ready-made Christmas hampers that you pay for weekly cost three times their actual value, not to mention the fact that they can include many products you won't ever use. My new system for buying Christmas groceries lets me buy my own hamper full of items at the current price or on special.

I saved the price of an expensive handbag organiser by using three $2 pencil cases instead. I have two handbags that I swap depending on whether I am working or with the kids, and always found it a pain to transfer essential items like my wallet and make-up and to quickly find what I need in a big bag. Now my colour coded pencil cases make it easy! The green one holds my full make-up, for the days I have to dash off and do make-up on the train. This stays at home when I'm not in a hurry. The black one holds pens, business cards, USB sticks and so on, and the blue one holds lip gloss, band-aids, paracetamol and post it notes. My items are now easy to swap between bags and I don't have to dig around for smaller items. All for $6.00 and a hunt through the bargain bin at Officeworks!

I can make hundreds of litres of liquid plant food from just $12 worth of Dynamic Lifter pellets! This will buy a 10kg bag. Just add around four handfuls of pellets to a nine litre bucket of water and let steep for a couple of days, mixing occasionally. When you have a nice 'tea', pour a couple of litres of the liquid, into a nine litre watering can, top up with water and give your garden a drink. Repeat until all the 'tea' is gone, then add more water to the residual at the bottom of the bucket and repeat this process. As the mixture gets weaker, you can use on seedlings, vegetables and more delicate plants such as azaleas and gardenias. The 'weak' mixture can be used as a health tonic or sprayed directly onto the foliage of plants (remember not to spray if the weather is over 20 degrees Celsius, as this will burn the foliage). Once you get to the real weak stuff, simply pour the residual under a tree and water in well.

You can also make hundreds of litres of liquid fertiliser from a 10kg bag of Blood and Bone pellets at an initial cost of approxiamtely $1.20 per kilo. Compared to a litre bottle of liquid plant food (such as Seasol) which costs about $10 and will make just over 300 nine litre buckets (going on the manufacturer's average of 30ml per bucket), your bag will make many hundreds of buckets of first grade solution followed by many more second and third grade 'weak' solutions which are ideal for foliar feeding. A huge saving, which will give you enough fertiliser to last you a whole year or more!

School holidays are more affordable with the help of the $21 Challenge! Money seems to slip away so effortlessly while out having fun with my teenage kids. Budgeting is something I am trying to teach them about but it is hard to make it relevant sometimes. Then I had a great idea that would make them pro-active with the weekly budget over the holidays, without me being a 'budget nag'.

It is the $21 Challenge week, with a twist. THEY have to go and log all the food in the freezer and pantry, and make up the meal plan for the week. Then all the money THEY save us for the week can go towards some guilt-free fun. It's a great incentive and my kids are learning important household skills.