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.

I can make four litres of handwashing gel soap for under $1.00! To make your own liquid gel soap, grate a bar of Sunlight or generic laundry soap into a two litre ice cream container. Pour boiling water to half fill the container and mix to dissolve the soap. Carefully fill to the top with boiling water and mix well. Pour half the mixture into another two litre container and top up both with boiling water again. The gel is very thick once it sets, but a good consistency for its purpose. Store in the two litre containers and refill pump bottles as needed. One pump is all it needs to clean your hands and can even wash dirty dishes if you squirt into the sink!

I make this vegetable pasta sauce for three reasons - it's cheap and healthy and it uses up leftover vegies (cooked and uncooked) so I save three times!

Whenever I serve up a dish of vegies for dinner (usually broccoli, carrots, beans and zucchini in my house) and it isn't all eaten, I put the leftovers in a ziplock bag and throw it in the freezer. Then, when my fresh vegies are starting to get to that 'oh dear' stage, I start cooking!

In a big pot, with a bit of olive oil, I fry onion and garlic and add all the 'oh dear' vegies - sometimes there is a fiddly bit of broccoli that is too small to use in a meal or carrots that are starting to wilt. Other vegies I have added include celery, cauliflower, broad beans, spinach, cabbage and capsicum. I chop and cook all of this - in summer I add fresh tomatoes, in winter I throw in a couple of cans of Home Brand tinned tomatoes. To this I add the frozen leftover vegies, a squeezie stock concentrate or stock cube and some water.

I cook the whole lot until everything is soft, and then I blitz it in a food processor or with a Bamix until it looks like pasta sauce. I then freeze this in meal-size portions and use it for everything - I add it to mince for bolognese, or just use it neat. My kids don't know it's full of vegies - they just think it's another jar of commercial pasta sauce!

A novel idea to help my Mum save on new ceiling fans has led to some fantastic and unexpected long-term savings! After being quoted a whopping $160 per unit (pensioner rate) to get ceiling fans installed, we took matters into our own hands and placed an advertisement on local notice boards. It read: 'Experienced licensed electrician required to install three ceiling fans. I would like to trade the costs by doing your washing and ironing for one month.’

Within a few days, Mum had received several enquiries and selected a nice, young single guy who needed a 'mother's touch' to some of his clothes - a lot of stain removal and buttons re-sewn. He installed the fans and dropped and picked the clothes up from her place on a weekly basis. To our surprise we learned he also had connections to plumbers and gardeners and she was soon able to have her bathroom wall retiled in exchange for scrubbing out an oven and re-organising a food pantry for a couple that were having a baby soon.

It didn’t stop there! Before long she was taking up hems, sewing on buttons and doing basic mending in exchange for garden maintenance and mowing lawns. These guys are ripping up old items from homes every day with their trades so these days they even search around to find her the cheapest - or even free - items if she needs them, as well as providing an oven door and dials on her heater for free. They often come across things that others could use but end up in the tip instead.

As a pensioner, Mum has time on her hands and is very experienced in household chores but has a limited income. This trade of skills and services means she can now carry out tasks within her ability and has made some fantastic friends. Her place looks amazing and is she even happy to do babysitting for the families. In turn they really appreciate having a cuddly grandmother figure around. She has a new purpose and a whole new social network too - in fact she looks 10 years younger!

A great way of enjoying a fun activity while learning a valuable skill is to teach your kids to cook. I set up cooking lessons once a week after school for my two girls and their two cousins in our kitchen at home. The focus is on one recipe each week, something they can bake and take home. It's all about the kids having hands-on fun and there is a lot of chatter and laughter. The kids love it!

My husband and I have began saving up to $30 per week on our grocery bill since we invented 'Grandma's Day!' When we go to the supermarket we ask ourselves, 'would Grandma have been able to buy this item in her day 60+ years ago?' If the answer is no, then we decide we don't need to buy it either! This saves us money on a whole range of items such as fancy dips, designer coffees and biscuits. We used to pay over $3 for a pack of 10 biscuits, now I can make 12 biscuits for around $1. Using plain yoghurt as a base we are even making our own dips; there are so many websites with great dip ideas. Now we are saving valuable money and our waistlines too!

To help me stick to my budget, I use the 'purse system', where I allocate a certain amount of money each payday to pay for different things, for example, petrol or groceries.

I found the envelope system aesthetically unappealing and difficult to operate, so I purchased a number of small pencil cases from Office Works; they're the perfect size to fit dollar notes into and any receipts for that particular 'budget purse'. I have a red case containing money for my groceries, a black case for my petrol and so on. They are also attractive enough that I use them as my wallets for these purposes; unlike envelopes, I am never too embarrassed to pull a case out and carry it into a shop. The cases cost $8.00 each but they motivate me to stick to a budget - a huge long-term saving!

For many people juggling work, family and study, time is the most important saving they can make. I work four days a week, have a three-year-old and studied part-time for a diploma for a year. I got by with these time-saving tips:

1. Lowering my expectations for the house. I don't need a spotless house, but a tidy and lived-in home.

2. Doing my housework little and often, rather than spending huge amounts of time tidying up. I do things like:

- put my little one's daycare bag together for the next day as soon as we get home in the afternoon.
- cook my lunches (pasta and sauce, muffins and so on) once a week and freeze them.
- put my lunch box together from the freezer in the evening.
- clean the toilet by putting a teaspoon of Napisan in it each night. It soaks overnight and the bowl is clean with the next flush.
- do laundry when enough for a load accumulates so we don't have a sudden clothes drought, then an avalanche of laundry to do and put away.

3. Exercising on a stationary bike in front of the TV in the evenings after my little one is in bed.

4. Programming our DVD recorder once a week (Sundays when we get the new TV guide) so I don't miss my favourite shows.

5. Filling cereal bowls with water if I am rushing and have to leave the breakfast things. This makes them easier to clean later and stops ants.

6. Trying not to double handle things. Rubbish goes straight in the bin, meat is put in meal size portions in plastic bags and frozen as soon as it gets home, magazine subscriptions go straight to magazine rack when they arrive in mail.

7. Leaving rooms better than when I arrived, so the need to tidy doesn't build up. It only takes five minutes to put laundry from the floor to the hamper, make the bed, wipe a bench, replenish the toilet paper.

8. Recruiting my little one to help - she's only three but she can put dirty dishes in the sink, put toys away in her room, dirty clothes in the hamper.

9. Shopping for groceries by myself in the evening so hubby can watch his TV shows in peace and I am not tempted to go to other stores as only the supermarket is open. Also many things are marked down at that time.

10. Trying to do three things for myself that make me feel happy each day, like listen to podcasts while I do the housework.

11. Writing the shopping list progressively through the week so I can pick it up and go when it's time to do groceries.

12. Storing the bedding in storage containers under each bed so it's quick to make the bed, especially when changing my little one's wet sheets in the middle of the night.

13. Shopping for presents at sales during the year (online or in stores) so I don't need to go to crowded stores during the Christmas rush.

14. Not beating myself up if I find lifestyle changes tricky at first - I am afterall human!

Use this one basic mix to make scones, scrolls, pikelets, pancakes and waffles! It will save you heaps of time and heaps more money!

SUPER BAKE-ANYTHING MIX:

In a large Tupperware container, mix:

2 kg packet SR flour

2 tbs + 1 tsp salt

1/3 cup + 1 tbs + 1 tsp sugar.

SCONES:

In bowl, add two cups baking mix. Rub in 2 tbs butter until mixture looks like breadcrumbs. Stir in 3/4 to 1 cup of milk, until moist but not too sticky. Don't overmix. Roll lightly and cut into shapes with biscuit cutter. Place on lightly floured baking sheet. Bake 10-12 minutes until golden.

SCROLLS:

Complete mixture as for scones. Roll out with rolling pin until 1 cm thick. Spread with softened butter, 1/2 cup brown sugar and a little cinnamon. Roll up tightly from long edge. Cut scrolls into 2 cm slices. Bake on baking tray 10-12 minutes.

Variations: Use your favourite jam or make pizza scrolls using tomato paste, ham & cheese.

PIKELETS/PANCAKES/WAFFLES:

To two cups of mix, add one egg, 1+ cups of milk, 1 tbs oil. Beat together until thick but slightly runny. Makes small pikelets, large pancakes or waffles.

When my children were young, I dreaded the arrival of Christmas catalogues and their enticing displays of new and expensive toys. So, some months before Christmas, I purchased cheap scrap books and the children spent some time covering them with Christmas paper. These became their Christmas Wish Books!
 
As each new catalogue arrived, the kids would carefully go through it and select any item they would like to receive. They would then cut out the picture and glue it into their book, with no limit on how many items they had in their book. However, the children knew they would not get everything in their wish book. On Christmas Eve, the kids would leave the books out for Father Christmas, who would be able to look through them and select one or two of the items to leave in their Santa sacks.
 
This worked so well for us in our one income, cash strapped household. I knew what each child wanted and I could see how much their gift choices were; this meant there was no rude shock when I went shopping for the items. I was also able to tell grandparents what toys the children were interested in, so they were able to purchase a gift knowing it was something the child wanted.
 
Even as the children outgrew Father Christmas, they still liked to make up a Christmas Wish Book - just to be sure they received something other than socks, jocks and hankies! I've never put a dollar value on what I saved, but I know it saved my sanity at a very stressful time of the year.