My grandson turned six on Boxing Day, and I came up with a new idea for a birthday present that will bring him lots of fun over the next six months. It's called a 'Promise Photo Frame'; here's how it works.
 
I bought a large photo frame with spaces for six different photos. I then downloaded ClipArt pictures of various activities and put them in the spaces with the following captions:
 
Trip to Beach with Grandma
Trip to Zoo with Grandma
Train ride with Grandma
Trip to playground with Grandma
Dinner out with Grandma
Movies with Grandma
 
My Grandson can choose one activity to do with me each month, and when we go out, we'll take a photo of the actual event to put in the space on the frame. This gift, and the activities, can be modified to suit all children, and even adults.

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!

I have turned my love of a good bargain into something far more valuable! Whenever I am tempted to buy something I could possibly do without, I first calculate how much we would save by paying that money into our mortgage instead. For example, I recently saw a new dress on sale for $49.99 - a bargain, right? However, I paid a quick visit to a mortgage calculator website and discovered that if I didn't buy the dress and put that money onto our mortgage instead, it would take a whole month off the loan term and save us $334.39c in interest. In other words, my 'bargain' dress would really cost me over $300!

Looking at my purchases this way has become a really easy and effective way to curb my spending habit. Now I carry a piece of paper in my wallet with various prices on and I can see how much I would really be spending. It's amazing how much stronger my willpower becomes when I check my piece of paper before buying something and find out what its real cost is!

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!

Our family home is always a clean and happy one, thanks to our weekly raffle! With four children aged from 12 down to two, there is always so much to get done, so we started our very own 'family raffle' as an incentive to get the chores done.

A list on the fridge displays all the categories for a raffle ticket. Some examples are - clean bedroom floor, do a load of laundry, give a music recital, finish homework by 5pm, clean the windows, play with the baby and so on. Every time a chore is completed, the child fills in a raffle ticket with their name and the task done. Then, every week at the same time, we pull out the prize winner. They receive a prize from the discount store - some kind of age appropriate toy such as a pack of cards, fancy pencils and so on, to a maximum value of $5.00. The remaining tickets are pulled out and all are given five points each. Every child who has reached 20 points during the week also receives $5.00. We get so much housework completed this way! We deposit the money in the children's bank accounts online and they are encouraged to save it, or can spend it on something special. This really helps when they need to buy a birthday gift for their friends and can even pay for their own outings and movie tickets. I read every chore they complete out loud and the pride in their faces is worth every cent!

Skint but stylish. That's how I like to think of my lifestyle, because it is such fun to live on the smell of an oily rag without anyone else knowing! Eighteen months ago, although in recovery from depression, I found myself many thousands of dollars in debt and with several accounts having been sent to collection agencies. I was also 31kg overweight and at risk of cardiovascular disease and Type 2 diabetes. The excess weight (not to mention the stress!) was also making my arthritis worse. I was no longer able to work in my former profession and, as I was in my early sixties, I wasn't able to find other work and was on Centrelink (Social Security) benefits. I have since been transferred to the Age Pension. I knew I had to make some drastic changes, and pretty darn quickly too! I had just a few things going for me:

• My Visa card was a debit, not credit, card.

• My account was with a credit union, rather than a bank, and fees are much less.

• I was knowledgeable about nutrition.

• I was willing to face unpalatable facts about myself and make lifestyle changes.

With this small armoury, I prepared to do battle! The first thing I did was to sit down with all the paperwork, and list all the accounts, personal loans and the total. I nearly had a heart attack right there and then, but with the information, I was able to draw up a projected payments schedule. I contacted all the collection agencies and told them how much I proposed to pay each fortnight until all were paid. I did the same with private lenders. Nobody turned my proposal down; it really is true that, if you get in contact and show willingness, most lenders will give you time to pay. They would rather have their money than you in jail!

Step 2 was to organise payment of my electricity account by direct debit from my pension - what you never have, you never miss. Once the phone bill was paid off and reconnected, I did the same with that too. In all, my debt reduction program was going to be about $200 per fortnight, or roughly 34% of my pension and Centrelink allowances. Since my rent costs another 34%, the remaining 32% had to stretch to cover food, cleaning materials, clothing, pharmacy costs over the pharmacy allowance, fares for trips outside walking distance, presents, postage, life insurance and credit union fees (direct debit from my credit union account), occasional small charitable donations and the occasional small treat.

Step 3 was to go on to a sensible eating program (not a fad diet) that would help me to lose weight, bring my blood glucose and serum cholesterol levels into the normal range. A low GI, high carbohydrate, moderate protein, low-fat pattern fitted the bill in all respects. The challenge was: could I do it on $50-$75 per fortnight? The answer is yes! I make my own wholemeal bread, soups, skim milk yoghurt and lots of interesting dishes from many countries, based on grains and vegetable proteins, and stock up on tinned oily fish for essential fatty acids when on special. I have red meat and poultry only once or twice a fortnight and the rest of the time my proteins are derived from legumes, eggs and low-fat cheeses. It's just as well that I like oats! I drink two litres of water a day and make my own herbal teas from homegrown herbs. I don't buy soft drinks and buy leaf tea rather than tea bags, as it's better value per unit serving. I find whole fruit better all round than juice as a rule.

Step 4 was to get mobile! I walk, because I can't afford gym membership, and walking can be done by those who can't jog. Being out in the open air blows away the blues too. Having won a free pedometer, I wear it and try to reach 10,000 paces a day. I also started a vegetable garden and this saves me money where it counts, on vegetables, as well as being another source of fresh air and exercise.

Is it working? Is it what! In the last financial year I paid off $5000 in debts on the pension alone, and am on track to achieve the same amount this financial year. I lost 13kg in the same period - a nice, sustainable rate. My blood glucose level is normal, my serum cholesterol almost so, although because of familial hypercholesteraemia, I need some medication to help with that. I am continuing to lose weight slowly but surely and have much more endurance and less pain. My GP is nearly as stoked as I am. I take care of my clothes, believing that 'well-pressed is well-dressed', so my appearance doesn't give me away either. Occasionally I earn a little money from magazine contributions and this usually goes towards seeds or something else for the garden, but occasionally I restock the pantry with staples. I make my own cleaning products with such simple substances as vinegar, bi-carb of soda, washing soda crystals, soap scraps, eucalyptus oil and - wait for it - Worcestershire sauce (cleans brass and copper a treat, and one nearly always has it handy). I turn my appliances (apart from the fridge) off at the wall when not in use and have noticed a difference in my power usage. All my incandescent light bulbs have been replaced with long-life fluorescent ones, and by crafty use of acrylic-lined curtains I keep my house cooler in summer and warmer in winter. I pile on the clothing layers in winter and wear cool clothing in summer. If I'm watching TV in the winter, I cover my legs with a woollen rug and put on another cardigan if necessary, rather than turn up the heater.

Because I can't afford much for presents, I give of myself. A nice present is a 'book of vouchers', made attractively and containing such redeemable coupons as: 'This voucher is good for two hours' ironing... or an evening's baby-sitting... or... whatever!' Very few people say no to home-made goodies either. It makes me feel truly wealthy to give someone a loaf of bread still warm and fragrant from the oven, or a jar of chutney.

Renovations need not cost the earth. We just bought our first home and it had a hideous old kitchen with brown contact, broken stove elements and musty cupboards that had seen better days. We wanted a new kitchen but it was going to cost $4000. It was money we didn't have, so I used my brain instead and renovated our entire kitchen for under $100.

I bought:
Two bottles of oven cleaner at $3.99.
One second hand element from the dump for FREE!
Two tins of paint from Kmart for $17.99 and $36.99
Curtains that were faulty and discounted to $20 for two pairs.

I stripped off all the contact, cleaned the cupboards and painted the inside with flat acrylic paint. They are now white and clean inside. Then I cleaned the oven and fitted the element from the dump. It looks great. Now the oven will do us until we get that mortgage out of the way! I then removed the cupboard doors and gave them a coat of enamel paint. I took the door handles off, cleaned them with oven cleaner and refitted them - they came up like brand new! Finally I hung my bargain curtains and my new fresh, white kitchen looks lovely.

My husband was very impressed. All it took me was two days work and $82.96 of supplies. Best of all,I saved $3900 on a new kitchen.

Imagine getting 14 meals out of a single cooked chicken! It's my biggest food saving and this is how I do it.

Buy a whole chicken (on special of course)! Get a large pot. Place chicken in it and add chunky chopped carrot, onion, celery and mixed herbs (I grow my own so save more money here)!

Boil until the meat is starting to fall off the bone (I have a wood heater so I cook on that, saving gas in winter) Take the meat and vegetables out, reserving the liquid. Serve some of the meat and all the vegetables with mashed potato and white sauce.

With leftover meat, make up some chicken sandwiches and freeze them for quick lunches. Use the rest in curries or whatever other suitable recipes you have.

Back to the liquid. Add a little more water, chop up whatever soup vegetables you have or add lots of lentils, a dash of paprika and salt and slowly simmer to make a few meals of wonderful thick soup. This way, I feed two of us 14 meals out of the one chicken! Not only is it cheap, it is good for you and has helped the purse strings through many tight times over the years.

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/

For just $10 I've finally discovered soft skin. I had always suffered from dry skin and, over the years, had spent a fortune on moisturisers in every price range. I never really found anything that I could put on at night which left my skin soft and moist in the morning. It seemed my skin was always thirsty. Then I read in Vogue magazine, about a woman who used Neutrogena Norwegian Hand Cream as a facial mask. She also suffered from dry skin and her dermatologist had advised her to do this. Having nothing to lose, I decided to give it a go myself. It costs well under $10 and is available at Priceline and in most supermarkets. I chose the fragrance-free one and can honestly say it is the best moisturiser I have ever used. I use it every day under make-up and my skin looks 'dewy' all day long. I apply more in the evening before bed and my skin feels lovely in the morning. I even apply it thickly as a mask sometimes, with great results - and it beats a facial in terms of how my skin feels the next day. So if you have dry or mature skin - give it a try. It is also amazing on dry feet - it really is a miracle! It's amazing to think of how many dollars I will save from now on on my new, simple skincare product!