Smaller portions means larger savings, as you'll see in this hint.

After having a little money left over from a gift voucher, I purchased a set of three small loaf tins. (each tin holds 1/3 of a normal cake mix). I made up a chocolate cake mix and baked it in three tins. I kept one cake aside and put two in the freezer as soon as they were cold. This meant the cake lasted three days instead of just one. I remove the bar cake from the freezer each morning and not long after the kids are enjoying their smaller slices of cake, with no complaints.

I have since carried this over to savoury dishes. When I make meatloaf, I put the mixture into one large tin as well as the three smaller tins. We eat the larger meatloaf for dinner and I freeze the other ones for lunches. This is working really well for me and the savings are huge.

This super basic mince recipe saves me up to $100 a month on takeaways, thanks to the convenience of having meals already 'half made'.

All you need are:
2kg minced beef
2 cups of red lentils
2 tbsp of vegetable stock powder, or four vegetable stock cubes
1 tsp dried garlic granules
1 dsp dried onion flakes
4 cups of water.

Place all the ingredients into a crockpot and cook on high for two hours, stirring every 30 minutes. It should be thick, aromatic and an unattractive brown colour (don't let this worry you!).

One batch costs just $13 to make and is enough to serve as a base for seven meals for our family (two children and two adults). This saves heaps of money and time too. I usually freeze the mince in margarine tubs, as that seems to be the right amount for one meal for our family.

The meals I made are:

1. Piemaker pies.
   Allow one heaped tablespoon of basic mince per pie. Pour the mince into a small saucepan and add a large spoonful of gravy powder, or a dessertspoon of cornflour and some Vegemite for colour. Heat and stir until thickened. Spoon into pastry cases and cook in the piemaker.

2. Mexican enchiladas.
   I use Mountain Bread or make my own crepes. Lay the bread or crepes in u-shapes in a large baking dish. Mix the mince with an equal amount of tinned or home-made refried beans. Spread the mixture in a sausage shape down the middle of each crepe, fold each side of the crepe over, sprinkle with grated cheese and bake at 180C until the cheese is melted and bubbly. Serve on a bed of rice, topped with natural yoghurt and some salsa.

3. Stuffed capsicums.
   Halve enough capsicums for half or one per person. Spoon the mince straight into the capsicums, top with some mashed potato, pumpkin or sweet potato. Sprinkle with cheese and bake for 40 mins at 180C. Kids love these as the capsicum sweetens when baked.

4. Baked spuds with topping.
   Allow one potato of appropriate size per person. Cook in the microwave according to manufacturer's instructions. Split a cross in the top and pile filling into the opening. Top with natural yoghurt or sour cream and chopped, sauteed bacon. Allow one large tablespoon of filling per potato. Mix the filling with one tin of baked beans and heat in a small saucepan before pouring on to the potatoes.

5. Spring rolls.
   Mix about four tablespoons of mince mixture with a packet of cooked and cooled Two Minute Noodles, some shredded carrot, and 1/2 teaspoon Chinese five spice. Using filo pastry sheets or spring roll wrappers, fold a small handful of filling into each spring roll. Spray liberally with cooking spray and bake at 180C for 20-30 mins.

6. Greek pasta bake (Pastito).
   Heat a container of mince mixture with a 400g tin of peeled tomatoes. Cook enough macaroni for your family and drain well. Mix with the meat mixture and spoon into a large baking dish and top with your favourite white sauce or cheese sauce. Sprinkle on some grated cheese and bake for 40 minutes at 200C.

7. Shepherds pie.
   Add any vegetables of your choice to the mince mixture. Place into a baking dish and top with mashed potato, pumpkin or sweet potato then bake until heated and the potato browns.

As part of my $21 Challenge to use all the food in the pantry, I have set up a 'use up soon' basket containing items getting close to their use-by date. This way, I will remember to use things before I have to throw them out.

I pay myself to exercise! Now, you may wonder how that actually saves me money. Because my exercise is free, usually walking with a friend or working out to DVDs I've received as gifts, I don’t have to buy expensive exercise clothes or pay for a gym membership. And paying myself to exercise? That gives me motivation. I started with $1.00 for every day I exercised, and increased it to $2.00 a day - still cheaper per week than a single exercise class or gym membership! I wait until I have enough money for a facial or massage, and treat myself.

I find that the end goal of some pampering really works as an incentive to keep exercising. Prior to this, I never let myself splurge on those sort of things. I am now happier, healthier and far more relaxed!

Through my job working at one of the major supermarkets, I have learned all kinds of tips and tricks to save money! Next time you visit a supermarket, bear the following in mind:

• You can save up to 50% on Sara Lee products by buying our house brand bakery items instead - they are made by exactly the same company.

• The meat is no longer as good quality and has gone up slightly in price. I would suggest going to a butcher instead and paying less for better quality.

• In-store baked items are marked down from 40-80% two days before their use-by date (this does not include bread or donuts)

• Buy bulk and buy less often. For example, if you drink coffee, wait until the BIG tins are on special and buy three or four. This will last you for ages and save you $40 and upwards on coffee alone in the long run!

• If an item seems a bit sparse towards the end of the week, chances are there is actually heaps out the back and it is going on special on the Monday, so wait to make your purchase then if possible.

• For those living alone, take another look at those frozen meals. They may look expensive at first glance at between $4 and $6 but then go and price the meat and all the vegetables. Remember also to take into account how much you have to throw out after a few days through not using them!

• If you want to see who makes what, look at the back of the pack to see which company owns it. Visit the Australian Stock Exchange (ASX) website and find out which other 'mini-companies' it has under its belt. They often compete with their own brands!

I am richer than I've ever been thanks to my Simple Savings outlook. When I first joined SS I made a number of small but significant changes to my life and the savings and benefits immediately began to add up. Here are a few of them:

I almost halved my grocery bill in a month - it went from $815 in February to just $430 in March when I started shopping at Aldi and carefully tracked every cent. I discovered my 'inner baker' and instead of buying cakes and biscuits, I baked them from scratch at home. When my washing machine broke down, instead of having to pay out $700 for a new one my wonderful boss gave me an old spare machine they had and no longer used. I made two calls to my insurers, one for my car and one for my house, and found I could save $150 and $400 respectively on my yearly payments. I checked my mobile plan. Because I hardly use it, it was not working in my favour. I changed to a prepaid plan and now what I spend is what I use.

And, finally, I stopped looking for another job to earn extra money. Every dollar I save means time I don't have to work. I am now building my 'wealth' every day in more ways than one.

Many of my friends I used to envy have new cars, impressive houses, expensive clothes - and huge credit card bills. They holiday in Bali or Queensland but work 40 hour weeks in order to do so. They pick up tired and stressed children from after school programs and feed them take away foods because they're too short on time and energy to cook from scratch.

I have a 13-year-old car, a 1980's house, cheap clothes - and NO credit card debt. We holiday three times a year for a week at a time in our trusty 80's caravan and I work 20 hours a week, during school hours, for four days a week. I have one day just for me (or housework). My children walk to and from school and come home to baked goods, home-cooked meals and a happy relaxed household. I'm there to oversee and help with homework and I watch all their sports games.

Ask me again if I want another job to have the 'stuff' I once thought I wanted/needed and my answer will be a clear, precise, 'No way'. Thank you Simple Savings for helping me to step back and see what's really important in life.

My husband and I have finally found the key to successful saving! The two of us are dreadful savers; while we're good at putting spare change in a jar, we don't know what to do with it once the jar is full! We thought a saving thermometer would be helpful, but wanted something that wouldn't be so obvious when people came over to visit. So we came up with a more subtle brainwave - a jigsaw puzzle!

We bought a jigsaw of what we wanted (a house) and assigned a dollar amount to every piece. Now we 'buy' pieces of the jigsaw puzzle, the money goes in our jar and we bank the money once a month. We even set up challenges for ourselves, such as who 'buys' the most pieces in a month, and we never have to worry about what to buy each other for presents - we buy pieces of the puzzle of course! Once we've completed the puzzle we're going to hang it on the wall - of our new house!

I am a 39 year old mum with five children. I love to have soft skin, but I'm not keen on all those chemicals in general moisturisers. I like natural skin care creams, but they come with a hefty price tag. Thankfully, my grandmother gave me a perfect, all natural solution.

She suggested I try coconut oil, as she had used it as a skin moisturiser and hair conditioner while she was growing up. I purchased a 400ml jar of organic coconut oil from my local health shop for $10.70. I now use it every evening on my face, and every morning as a body and face moisturiser. I also use it as a lip balm and once a fortnight, I melt 1/4 of a cup and apply to damp hair. I then pop on a shower cap, wrap my hair in a towel and experience a moisturising hair pack that smells divine.

My skin has never looked better and my normally dry, curly hair is now soft and shiny. The jar I purchased six weeks ago is still half full and I estimate I will save $380 a year on moisturisers, hair packs and lip balms. Best of all, it's chemical free.

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!