I have read heaps about menu planning but found it all just so overwhelming. Choosing a menu for a whole month seemed like a lot of hard work but I have found a way to help even the most disorganised person.

Starting on the first day of a new month, and using a calendar or diary, write down what you have for dinner each night of the month. You will soon see what meals you eat on a regular basis. You can then transfer this information to the next month in your calendar or diary, and there is your monthly menu plan!

Instead of paying for one expensive doona, and the dry cleaning costs that come with it, buy two or three cheap doonas, pin them together at the corners, and put them into the same doona cover.

Because cheap doonas are thinner, you can wash them one at a time in your washing machine, and you can also adjust the warmth. When the weather starts getting warmer, just take one doona out of the cover and put it away in the cupboard.

I have discovered that reversing my old way of shopping is much easier on my pension! Previously I always used to menu plan first, then go to the shops and walk up and down the aisles getting the things on my list (plus plenty that wasn't)! However once we retired I soon realised this was no longer working. I was spending more than we could afford at the supermarket and greengrocer. I needed to find a better way - and I found one!

These days, I do my menu planning and shopping the other way round. I go to the supermarket once a week and buy whatever is marked down. For example, this week I found Wagyu sausages down from $6.95 to $3 for six. That's enough to make three meals for the two of us! I also bought 4kg of chicken breasts marked down to $5.99 a kilo. I can mince some for lasagne, chop some for curries, cut strips for sate or just poach some for sandwiches. Either way I will get at least at least 20 meals for the $45 I spent!

The same goes for the greengrocer. Instead of planning what I was going to buy in advance I now only buy what he has outside in boxes on special. I pick out the best deals, then come home and menu plan around what I have bought. I am finding this so much better on the wallet and would encourage anyone to give it a go!

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!

My husband and I have become '30 Day Gourmets' and enjoy both the savings and the extra time we spend together as a result! We recently looked into 'Once a Month Cooking', which we were interested in because neither of us really enjoys cooking tea when all we really feel like doing is relaxing after being at work.

After gathering ideas of how the scheme works (literally - you cook once a month!), we thought we would try it by cooking for a fortnight first. We gathered recipes from the Internet and raided the recipe books (the recipe must be able to be frozen) and came up with such things as marinated chicken, curried sausages, spaghetti sauce, apricot chicken and all kinds of things.

We then picked a Sunday, turned up the stereo and did nothing but cook! It turned out to be a really enjoyable day. Once cooked and cooled, the food is put into freezer bags or takeaway containers (which cost almost nothing) and frozen. What we thought would last two weeks actually lasted three!

Each night, I would take out a container or bag for the next night and leave to defrost in the fridge. We then dragged out the steamer, threw in all the vegetables and once a week cooked up a big pot of rice. We would then have a small portion of meat (which also lowers fat-intake levels), have a pile of yummy steamed vegies and a little rice - the result being full bellies, smiling faces and very minimal washing up!

This not only saved us money but also time. Usually groceries cost us $150 for two weeks. With the cost of buying meat and grocery items needed for the cook-up ($100) and in-between buyings of vegetables once a week ($10), we spent a total of $130 when we would have spent over $150. (This is because at each shop we would grab things we liked, but didn't really need). Having a selection of meals already cooked for the weeks ahead feels great!

At first a big cook-up seems difficult if you aren't motivated, but you can start small and next time you are cooking something that would freeze well, cook double or triple the recipe and freeze excess. I also went to the local library and got out some books on freezer cooking which also had suitable recipes in them.

My husband and I honestly can't believe how we survived before our cook-ups and love the idea of actually doing things we want to each night, rather than being a slave to the kitchen!

NB - A book from the library which was a big help in planning recipes was 'The Freezer Cooking Manual from 30 Day Gourmet'. The '30 Day Gourmet' book is available on eBay and from most bookstores.

Why buy lunch? With recipes as good as this, there's no need! I make this egg slice every few days to take to work, and I thought you might like to try it too.

Ingredients:

2 cups vegetables – just about anything will do. Leftover roast vegetables, steamed vegies, wilted salad... even raw stuff like grated carrot or chopped up tomato.

1/2 cup leftover meat, for example, bacon, fish or chicken

4 eggs, beaten

Grated cheese

Method:

Spread the vegetables and meat over the bottom of a greased square baking dish. Pour over the beaten egg, top with grated cheese and bake at 170C for about 30 minutes.

I take a quarter of this slice and some salad to work every day – it's yummy hot or cold. Thanks to the wide variety of vegetables you can use, no two slices are the same. It costs less than a dollar to make and the vegetables and protein keep me going for hours.

We are saving over $600 a year on shoe deodorisers! My husband has terribly smelly feet and is very embarrassed by the problem. It was costing us approximately $12 every week to buy different shoe inserts and powders, all of which were only temporarily effective. Now it only costs us $2.00 every two months! My husband has discovered that just a few drops of waterless hand sanitiser on each foot kills all the bacteria that causes the feet to smell. It takes just a few seconds to apply and evaporates very quickly, meaning no mess on his feet, socks or the carpets. He buys the large bottles of sanitiser for only $2.00 in the bargain stores and they work brilliantly. All his shoes, including his work boots, are now completely odourless!

I took on the $21 Challenge, and won! However, my husband was a rather grumpy participant; he loved the savings but not the lifestyle during Challenge week. As he goes away regularly, I decided that every night he's not home for dinner would become a $21 Challenge night for the kids and I - all meals must be made from ingredients I already have at home, and I can only use ingredients that have not been allocated for other meals. This saves money and gives me a night off cooking, as my Challenge meals are usually simple affairs, sometimes as easy as pancakes or toasted sandwiches.

The true value of the $21 Challenge became apparent when a friend was recently diagnosed with a severe form of leukaemia. She is a married mother of four boys and is embarking on a long therapeutic journey that will hopefully lead to a full recovery. As a way of helping her family, the parents at our school have banded together to make all their meals for the next three to six months. As they are a large family, with an above average food requirement, I was unsure how I could afford to help feed them each week. Thankfully, my husband was away the week my friend was diagnosed, so the kids and I lived off the $21 Challenge that week and all leftover money was put into making meals to freeze for my friend's family.

We now do the same thing whenever my husband is away – it's a great gift over the Christmas break to know that I can afford to cook and freeze meals for my friend's family, and look after my family at the same time. Thank you.

While searching through the craft section in the Vault, I came across a contribution titled 'Loving keepsakes from recycled clothing'. This inspired me to write in and tell you what I did with my late husband's shirts.
 
He had a lot of flannelette check shirts, which he loved to wear in winter. I cut up the shirts into even squares, leaving the pockets on some squares - I replaced the pocket buttons with gold ones from my button tin. I then sewed the squares together and detailed them by sewing some bright blue ribbon down and across each section. After that, I backed the lot with a flannelette sheet – the end result was a lovely shirt rug!
 
I gave this rug as a keepsake to my seriously disabled grandson, who just loved his Grandpa to bits. My grandson could keep his treasures in the pockets I had left on the squares, as they had a flap that could be buttoned up.
 
Even though Grandpa's Shirt Rug is nearly worn out, my family will always think of it as a special keepsake. I thought you might like to read about my efforts; I just love making something new and useful from something old.

My husband was dying of lung cancer. He wanted his ashes scattered at sea and, being a practical man, discussed other details. He did not think much of church services and a eulogy delivered by a person he did not know.

He died in my arms at home and the next morning he was picked up by Sommerville Funerals. (Most people are unaware that they may have some time with their loved one before the body is collected.) A private cremation was arranged and I collected my husband's ashes for his 'celebration of life' at our home. All our friends arrived, charged their glasses, sat or stood on our front lawn and listened to his story that I had written a few days before. We played his favourite music and people stayed all day. My husband loved a great party and this was no exception. Everyone said this was the best service they had ever attended and they were going to do the same.

Incidentally, the only cost was the private cremation fee. Nothing like some of the very high fees I was quoted.