Going out of my way to present well to prospective landlords has really paid off for me. I recently had to find a new rental property and found that the open inspections where attracting many families at a time. Being a single mum of four, I knew I had my work cut out for me trying to get something over the two-parent families.

I decided I would write a covering letter as an introduction to the land agent/owners. I wrote about who we were and even what schools the kids went to, to show we were already established in the area, where I worked for the same reason. I got friends, my employer and my pastor to all write character references for me, which I copied and added with the letter. I also have a dog, which can be a problem so I got my then-current agent to write a reference for my dog too, which I also copied and added with the letter. I then attached these to the application, along with copies of my last four weeks' payslips and a payment summary from Centrelink.

The first house I applied for had more than 20 families and most of them were two-parent families. I added all the above mentioned stuff to my application and I was happy to receive a call the next day to say I was successful. I asked the agent if my letters and other details had helped and he told me that they had been the deciding factor. They liked that I had taken the extra step and cut out some of the work for them. They also appreciated that I had been so open with them. I would recommend this to anyone trying to rent a place. It takes only a little time and effort but could be just what you need to secure a house!

Here's how we saved $3160 on our food and grocery shopping in one year!

With two kids, it's difficult to find time to shop every week, so I now plan a month's meals in advance and do one big shop each month for basics and weekly shops for fruit, vegetables and meat.

We used to spend $150 a week ($7800 a year) shopping, then find we were throwing away fruit and vegetables because they had gone bad, and that we never had enough ingredients in the house for a full meal. We now spend a total of $170 a month grocery shopping, and $50 a week on fruit, vegetables and meat, if that. This equates to a yearly total of $4640 - a saving of at least $3160!

Planning the month's menu takes a maximum of 20 minutes, and each week we have two fish meals, two meat meals and three vegetarian. Recipes come from 'The Destitute Gourmet Cookbook', the Safeway magazine, magazines from the library and from friends. Each week has a mix of easy/quick recipes and more involved ones so that if I have a busy day, I can make something quick. I also plan the 'snacks' such as oat cake, date loaf and banana muffins.

I have a spreadsheet on the computer which helps me to plan how much pasta, rice, tinned tomatoes, and so on I need (four kilograms of rice, five packets of pasta, and so on).

After planning the menu, I write the shopping list and then hit NQR, Safeway and Coles while my husband looks after the kids. It takes only an hour if you're organised with a list and go at a quiet time of day! I prepare separate lists for the weekly fruit, vegetable and meat needs.

We are all now eating in a healthy way and always have cakes and biscuits on hand for guests - and we always use what we have before it goes off.

Other advantages are that other people can consult the menu to see what to cook if I'm not around. Because I'm only doing one big shop, I'm not buying as many impulse items - especially since the husband and kids stay at home! We're also finding that we have enough leftovers from one meal to last another, even after using some for lunches.
And we don't live on baked beans! Tonight we feasted on vegetarian sushi with pickled ginger and Asian dips. Last night was a Moroccan chicken casserole with couscous. Tomorrow night may be a tuna curry, home-made vegetable pizza or grilled balsamic lamb salad!

Doing this, we're saving more than $3000 a year for the family - and don't have the stress of shopping each week with two active children!

Instead of buying pureed fruit in jars or tins, which according to the latest stories contain a lot of water, buy a large tin of pie apples (no added sugar) and a large tin of any other fruit in natural juice, puree them together and put in single serve containers. Two large tins make about 15 single serves (a much bigger serve than the baby food tins) and cost about $4.50 less than the equivalent of baby food in tins. The pie apples don't contain liquid so this means that your home-made baby food is not too sloppy. You can vary the taste by changing the second fruit to apricots, pears, fruit salad, peaches, two fruits and so on.

To enjoy the convenience of pre-grated cheese, buy a block and grate your own - much cheaper than spending money on those costly supermarket bags!

Buy a block of cheese, grate it into a large ziplock bag and add a rounded tablespoon of cornstarch to the bag. Shake well.

This keeps the cheese from sticking together in a lump and you can store it in the freezer for as long as you want. It thaws almost instantly!

I held a very successful and inexpensive party for my daughter and her 12-year-old friends by doing my own version of the 'Amazing Race'! When sending out invitations, each person was allocated a team colour and asked to wear clothing in that colour. On arrival they were given a back pack containing water bottles, maps of the town (we live in a small town and had all activities within a few blocks of home) dry biscuits to snack on, a list and bag for a scavenger hunt to find things on their travels, a dictionary, sunscreen and their first clue.

I had friends in the area lined up with different tasks to be completed (these included windows to be washed, shooting a set amount of goals at a basketball court, sorting books into alphabetical order, separating peas and corn with chopsticks and many other easy to prepare tasks). Each team had a passport to be stamped when each task was completed and the next clue was handed over at each destination. For the final clue, they had to use the dictionary to work out the coded directions to their final destination - our local swimming pool where they spent a couple of hours playing around before heading back to our place for the party food!

This party really didn't take much to organise once I got into it; just a few friends willing to give up a little time for each task and some imagination. I used items from home to make up the challenges, such as books, jigsaws, basketballs and frozen vegies. It was talked about for weeks afterwards and I used photos from the day to make a photo slide show, which I burnt onto discs for everyone who came!

Slash your washing powder costs by using a tablespoon of washing powder in your machine instead of a scoop. It works just as well! My sister was learning about budgeting and the speaker mentioned that you could get the same wash results by using one flat tablespoon of washing powder as you could if you used a whole scoop. I decided to test this theory and found that even with a full load of washing this proved to be true. I buy a top brand washing powder that costs around $10 per two kilo box and it contains around 148 tablespoons. I used to go through a two kilo box of powder every four to six weeks when I was using a scoop. Generally I do a load of washing every second day, so using one tablespoon per wash, my box of washing powder should now last me nearly 10 months! Just changing this small habit will save me $90 every 10 months on washing powder!

When you are going out for a picnic or taking lunch to work or school, use cloth to wrap the sandwiches. This is much better than cling wrap or foil because it's cheap and reusable. I use tea towels, napkins and chopped up table cloths to wrap my sandwiches. The sandwiches stay fresh and when I've finished, I just shake off the crumbs and take the cloth home to be washed and used again.

There is something pleasantly old-fashioned about this method - and just think of all that plastic not going into landfill.

We had the chance to travel overseas several years ago but had to save $1000 to make it happen. On one income with two small children it seemed impossible. Then I had the brainwave - I didn't have to save $1000, I had to save $1.00 a thousand times! This was so much easier - a generic brand product at the grocery store, a chocolate bar at the petrol station and so on, soon added up and the savings contributed to a great family holiday.

I have saved a fortune on laminating costs over the years, by doing my own at home. I don't have a laminating machine though - I don't need one! I just buy the laminating pouches I need and get exactly the same effect using my household iron on a low setting. You just need to ensure you are working on a fairly rigid surface - if your ironing board is too 'spongy', strengthen the surface by adding a piece of cardboard, covered with cloth before laminating. When applying the iron, put a cloth or other fabric between the plastic and the iron. The results are just the same as using a machine and the heat will gently fuse the pouch together. I have done this for so long, that I don't know how much laminating costs any more, because I never pay to have it done!

Simple Savings has become a way of life. I don't have to think about saving or spending now - it just comes naturally. In the past five and a half years, we have managed to pay a whopping $150,000 (principal) plus interest off our mortgage and still live happily and comfortably. This is all due to Simple Savings.

My husband and I have three young children and our combined income is only average, ranging between $50,000 - $70,000 per year. Readers may think 'I could never do that, I would have to go without too much' or 'that's impossible', but this is not true. We don't go without; in fact we feel we do pretty well! I cannot name just one single thing that has helped us to achieve this and still be happy - it is a multitude of tips and hints, all of which can be found on your site. I have always been a Simple Saver, so for me this was not hard, but my husband found not being able to spend money willy-nilly difficult at first. These days, I am proud to say he thinks before he spends and at times even proudly tells me of his smart purchase or why he didn't purchase!

I could go on and on giving examples on how to do what we have done, where we saved money and how we used it more wisely, but that would make a book and to be honest all people have to do is log on to your site, it's all there. Focus on your goals, walk hand in hand with Simple Savings and your dreams can come true.