Watching my 'non-Simple Savings' sister unpack her groceries this week made me realise how much my shopping habits have changed in the year since I discovered Simple Savings. I used to love supermarket shopping, wandering the aisles for hours, one of this, one of that.

Some products I just don't buy anymore include:

• Liquid handsoap - I now make my own (my first SS project from the Vault). Saves $40/year.

• Spray and cooking oil - I buy 4L of good olive oil on special for about $20 and use a refillable hand pumped spray container (from House, $15 - will last years). I used to buy cans of olive oil spray at about $3.50 each and by changing how I buy oil, I am saving $100 per year.

• Cleaning products - are now missing from my list - we use bi-carb and vinegar and other simple Vault tips.

• Dishwashing cleaner - has gone too. We use citric acid, which I normally keep for my yearly lemon cordial making.

• Soft drinks and cordials - are rarely bought now - we use juice as you would cordial, and have changed our habits in favour of water.

• Yoghurt - we make EasiYo using packets bought in bulk from GoldenGlow online. Saves about $150 a year.

• Eggs and vegies - in the back yard!

• Condensed milk, Yogo, cake and pancake mixes - we M.O.O. ('make our own') using Vault tips.

• Icypoles - M.O.O. using tinned fruit juice or other - search the Vault!

• Magazines - I never buy new, just pick up the free supermarket recipe brochures or occasionally buy some gardening ones from the op shop.

• Junk and pre-prepared foods - we buy a lot less in favour of having our own 'sausage roll make-athons' or other baking with the kids.

As well as noticing the presence of many of the above things in my sister's shopping, I also noticed she buys small quantities of lots of items I now buy in bulk. Each week she has to mentally or physically check if she 'needs another of...', where I buy large amounts from the supermarket and other cheaper sources - and then don't need to think about it again for at least six months. These types of products include:

Washing powder (I'll never buy less than 20kg, and with the Vault advice to reduce our amount per load, this is lasting ages!), teabags, coffee, shampoo, dog and chook food (from pet supplier every six months), ham and meats(buy large piece of ham and store in ham bag per Vault tip - saves at least $50 a year over my previous habit of buying little cute packets of 50g each), bacon (buy from ALDI and freeze), dishwashing powder (ALDI brand is MUCH cheaper than the Finish tablets we were using - saves us $150 a year at least. I buy 12 months supply on one of my ALDI runs), cheese (buy larger amounts less often and freeze if necessary), rice (10kg bag much cheaper), jelly crystals (I bought 5kg bag at IGA last week - makes 20 serves for same cost as three individual packets), tinned fruit, soup, tomatoes and other products (from SPC outlet), nappies, paper towel and toilet paper (I buy lots when on a fabulous special). Fruit and veg I buy from the greengrocer, the market or grow my own. Meat is from the butcher, chicken from the poultry shop and fish from the fishmonger once every three months.

I could go on for every grocery item - nearly everything has changed in 12 months. This is even without noting the savings from changing products - for example, I used to think myself very clever if I bought my Uncle Toby's quick oats on super special for $2.00 per kg box - until I discovered I can buy Home Brand, which I cannot fault, for $1.00 a kilo all the time. Same for most basic products.

With changes like these to my grocery shop and to our home loan, insurance, shopping habits and so on, Simple Savings has saved us thousands of dollars in our first year of membership. Our lifestyle has actually been RICHER since SS. I didn't set out to change my shopping habits - I just started by making handsoap and buying Home Brand porridge oats - but suddenly I have realised how large this change has been. If I see you at the supermarket with your milk, bread, 8 large packets of toilet paper, 6kg of the super special meat, 10kg of rice and three-litre containers of vinegar, I'll know you caught the bug too!

In the spirit of getting organised for May, my tip has to do with letting go of control and coming up with organisational ideas that work with the people you love.

For example, my partner is a wonderful, talented individual who wouldn't know how to put away his clothes even if he was bribed! Clothing was constantly strewn over the floor, on the furniture or stuffed into cupboards and this drove me to distraction on more than one occasion.

Finally it dawned on me that the neatness issue was mine and the organising issue was his, so I discussed what would work best for him. I found out that he would prefer a single place to keep all his clothing, something portable and easy. I went away and, based on what he had told me, set up a system consisting of one large plastic tub on wheels and one small wicker basket. I placed both of these in the bottom of the wardrobe.

Clean clothes now go in the tub and dirty clothes in the basket. When the wicker basket is full, it goes in the wash; I made sure the basket was the same size as a machine load. When washed and dried, the clothes go from the basket back to the tub. Simple!

Now I have a clean bedroom and my partner can always find clean clothes. As a bonus, he's reduced his washing by two-thirds because he is only washing dirty clothes, not a mixture of clean and dirty.

Best of all, there is no longer friction surrounding the tidiness of the bedroom. The idea of working with those you love to create a harmonious living environment, where their needs and ways of doing things are heard and acted on really can have a positive impact, both financially and emotionally.

I am 22 years old and on a low income, but am well on the way to saving for my first house! I developed a simple system that keeps my savings goal at the forefront of my mind and encourages the support of those around me.

I've always found it hard to save, but one day I got a big piece of cardboard and wrote 'My House Deposit' at the top. On the right hand side I cut out images of a house, a kitchen and a loungeroom that I would love to own one day. On the left hand side I drew a giant thermometer and on the side wrote the figures $0 to $40 000 ascending, just like on a real thermometer. Whether or not I need $40 000 is irrelevant; I look at this table every day and whenever I save another $500, I colour in with a red crayon up to the amount on the tally. I use hints from Simple Savings, such as making my own lunch every day and not buying clothes if I don't need them and now whenever I make a purchase I think of my house deposit and how much I want it far more than a coffee or new shoes!

An unexpected bonus of having this chart is that I've found my family and boyfriend have become aware of my goals and I get lots of support along the way. This visualisation technique really does wonders, and most importantly you are making a concrete agreement with yourself and you stop losing sight of your goals. I'm already a quarter of the way to reaching mine!

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.

For an outlay of $65 I purchased chemical-free ingredients to make shampoo, baby bubble bath, moisturiser, hand wash and washing liquid. I made 500ml shampoo, a litre of washing liquid, a litre of hand wash, a litre of beautiful light moisturiser and 500ml baby shampoo and bubble bath. All I added were essential oils and water to the ingredients and I still have enough ingredients to make several more litres of any product.

My next outlay for a further $50 was for packaging; containers and tubes to make shampoos, moisturisers and lip balms for Christmas gifts. I have saved myself a small fortune. There are several good websites offering these products, however, I found 'Aussie Soap Supplies' the best, which offers recipes as well. http://www.aussiesoapsupplies.com.au/

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.

I have discovered that 'saving small' really works for me and leads to some big savings after all! Before I had my first son we planned to set aside about $100 every month for savings to build up an emergency fund. However, by the time I got pregnant we had still not managed to save anything. So instead of $100 a month we lowered our sights to $10 a week - but still it didn't happen. The sum just seemed huge and too much to manage with all the bills we had to pay. After my son was born I told myself I really had to make a start. I began saving $2.00 a day. It was a small amount and did not seem big enough to notice. My son is now two and a half and I have saved a total of $1800 in cash! Now we have our second child and I'm putting aside $4.00 each day. If I continue with this, by the time my children are old enough for school, the cash will really come in handy for their education expenses - or anything else for that matter!

Three weeks ago we ended up without a cent to spend on groceries and the money situation for the following week was only slightly better. We had to eat, of course, so I raided the pantry and freezer and managed to get by on what we had. We were also running out of laundry powder and toilet paper so I rationed out these things to make sure we made it through until we could afford to stock up. It meant using less laundry powder per wash and a few less squares of toilet paper each visit, but we got through the week without having to buy anything, saving around $300.

The following week we had only $30 for food shopping. I still had things I could use up in the pantry and fridge/freezer, and the rationing of the laundry powder and toilet paper meant we wouldn't need to buy more until the next week. So I spent our $30 surplus for that week on milk, fruit and vegetables.

Last week we were back to normal but my two weeks of poverty made me realise just how much money I can save each week by using less of everything and trying to use up what I already have in the fridge and pantry. Over two weeks I had managed to NOT spend about $570 and I had also cleared out a stack of canned beans, canned tuna and sardines, frozen vegetables, frozen meat and frozen loaves of bread that were taking up space in my pantry and freezer.

I found a way to save almost $50 a year on liquid hand soap with hardly any effort! Just take a bucket filled with four litres of water. Drop a bar of generic soap into it and let it soak for 24 hours. Give it a mix and pour into clean two-litre milk bottles. Just top up pump bottles when needed. For a little added luxury, add half a cup of sorbolene cream and a few drops of glycerine. Works a treat!

About a year ago my husband and I were having lunch at a seaside cafe when we noticed the people next to us paying their bill with $5 notes. We found out that they were on a trip around Australia and every time they were given a $5 note, they saved it and used it toward their food bill.

Thinking this was much better than saving $2 coins, I started doing the same. As soon as I receive a $5 note in my change, I pop it into my purse and then put it in a money box when I get home. I keep track of how much is in the box by writing the amount in my diary; when I get to $500 I empty the money box, take it to the bank and put the money into a term deposit for a rainy day.

So far I have saved $1435! I never miss the money and most times I go shopping I come home with at least one $5 note!