I have slashed my grocery bill, kept my kids from grazing AND lost five kilos, simply by enjoying a bigger breakfast. Breakfast items are generally cheaper if you are careful how you shop. Plain brand muesli, Vita Brits, porridge and cornflakes are all cheap items to have in your pantry. Plain brand yoghurt, fruit (canned or fresh) and vegetables are also fairly cheap, as well as tuna on toast. The helpings are generous and we eat until we are full. I've found that over the course of the day, hunger pains are gone, snacking is unnecessary and we eat smaller portions for lunch and dinner. Our savings have been made especially on dinner; we find that we don't eat as much meat and it takes a lot less to satisfy us at night. Not only have the kids stopped grazing, they have better concentration at school, eat all of their dinner because its a smaller portion and have stopped that afternoon dash for sugar, chips and treats. The kids enjoy eating the bigger breakfast because they are really hungry in the morning, as opposed to eating a heavier meal at night when they are tired and fussy and likely not to eat much. Since changing our biggest meal from dinner to breakfast, I've lost five kilos in four weeks and our grocery bill has gone down by at least $30 a week. I can also bulk cook dinner and make them stretch even further now. I look and feel great, am saving money and my family is happier too!

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!

We have saved over $150 in seeds alone this past year. Instead of paying up to $5.00 for packets of seeds which may or may not sprout, we have started grabbing packets of seeds from the herb sections of Woolworths, Coles and IGA. Most mustard, coriander, fennel, cardamom or celery whole seeds that you get as a spice for cooking will sprout for you in your garden. These normally cost around $1.05 per packet and you will get a lot more seeds than if you bought them from a gardening shop. We also get the full dried peas (not freeze dried) from the soup section and have planted these successfully for three years now. They give us the sweetest sugar snap peas ever! A packet normally costs $1.53 and you get close to 100 seeds. In comparison to buy 'packet' seeds it would cost you over $12.

We also cut the ends off shallots and replant them, it takes about three weeks before they start to recover, but then you have an endless harvest of shallot leaves to use in salads. We do the same with old onions that have hidden themselves away in our cupboards and have sprouted. Plant them in your garden, let them go to seed and you will have a great seed stock for the next few years. No need to buy more!

Garlic can be done in the same way. Grab a clove and plant it flat end into the ground. After about four months you will get a great bulb of garlic from your original clove. Be aware that garlic from China or Mexico has been treated with Bromide (cancer causing agent) so only use Australian grown garlic.

Old potatoes and sweet potatoes that start sprouting can be replanted and will give a good yield. Just cut a 3cm piece around the sprouting part of the potato and plant it, from one potato alone you could get up to seven new plants.

Pumpkin, cucumber, capsicum and other vegetable seeds can be cleaned, dried and then planted out to give you more seed stock to play with. Try planting two different types of pumpkins near each other and you might get a hybrid created which tastes great. Our family had a butternut mix with a jap pumpkin and it was the sweetest tasting pumpkin we'd ever tried. We also let one or two of each vegetable go to seed so that next years planting will cost us even less. Our goal is to go totally self sufficient in the garden. So far we have an abundance of butter lettuce, silverbeet, rocket, mint, corn, tomatoes and sugar snap peas all from previously saved seeds.

I wanted to share this excellent method for cleaning your oven.
 
Heat your oven to 250C and place two casserole dishes filled with water on each oven rung. Leave for one hour, ensuring the casserole dishes do not boil dry. Turn oven off, remove dishes and let the oven cool for a few minutes. Remove rungs, then wipe oven clean with a soft cloth. The rungs may need a light rub with a Scotchbrite cloth.
 
The new cloth I used was black in no time but my oven was sparkling clean without the use of chemicals, and only for the cost of heating the oven! An impending visit from the oven repair man motivated me to clean the oven. He commented on how sparkling clean it was – he even wrote down the cleaning instructions!

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.

Transforming myself from a shopaholic to a smarter consumer has enriched my whole life. Not only am I saving money, my life has become deeper and more meaningful since I decided to live by the following rules:

• Keep away from the shops.
• Buy only what you need.
• Buy second hand if you can.
• Be stylish, not fashionable.
• Don't buy what you can borrow.
• Stop reading glossy magazines that encourage shopping.
• Borrow books and magazines from the library.
• Read about simple living.
• Do it slowly.
• Spend more time with your family and friends.

These rules may sound simple, but they have changed my life. For as long as I can remember, I have loved shopping. I could easily do it all day, every day and never tired of it. I enjoyed the quest to find bargains or something I had 'always' wanted or didn't yet have.

When I felt angry, sad, lonely, fat, old, poor, disappointed, rejected, embarrassed or simply 'not good enough' - I went shopping. It made me feel better.

When I felt happy, confident, rich, delighted, loved, appreciated and 'on top of the world' - I celebrated by going shopping.

Although I work full time, I had never paid off my credit card and financially I was always struggling. Then I heard about climate change and the impact my shopping was making on the environment. That's when I decided I would stop shopping all the time.

At first, this decision left an enormous vaccuum in my life. I used to be very busy - 'Never enough time in the day' was my mantra. Then suddenly I had lots of free time! I didn't have many really close friends, except my mother and sister. We often used to meet for a coffee and a chat while we were out shopping. But with all the free time I now had, I realised I had been too busy to make other meaningful friendships because of my constant shopping.

I don't meet my mum or sister at the shops any more. We now get together in each others' homes and, although I have always enjoyed their company, I rediscovered a deeper connection with them. We talk, laugh and cry for hours and hours. I am learning so much more about them. I have started to deepen the friendships I have with people who were just 'acquaintances' before. Instead of shopping, I invite them over for a cup of tea or lunch or for a walk along the beach. I'm even starting a book club.

Due to the money I was able to save from not shopping so much and because I wanted to entertain more, I rented out my small unit and moved to a lovely old house. However I soon realised I needed more furniture, so I bought it all very cheaply, secondhand from eBay. Everyone who visits my home says how wonderful and stylish it is. I love making cheap, affordable meals for my friends. I had my first party on New Year's Eve and 35 people came, each bringing their own meat, drinks or salads. To any shopaholics out there like me, it IS possible to change - I'm living proof!

I recently noticed my elderly neighbour was unwell and no longer able to drive or leave the house; relying on taxi services to deliver food (often expensive pre-packaged items), or he would have home delivered takeaways. Being a fussy eater, he was reluctant to consider 'Meals on Wheels', so I volunteered to shop for him and cook him three different meals a week. Each week he gives me enough money to cover the costs of his meals (soups/stews/freezable casseroles) and I make up bulk amounts of each dish. I deliver half to him and keep half for myself, as suggested by him for payment. Not only is he saving money on taxis and home delivery, but he is eating healthy food and my family is also provided with three meals a week as a bonus for giving up a little of my time. Often cooking for one is not inviting, but cooking for others encourages healthier eating habits and helps regain social contact. Often a lonely person will gain a new lease on life to boot. A great savings all round, and using recipes from the Vault saves me even more!

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.

I have two daughters who live at home with me who are both university students. They both work part-time and pay me $50 a week each for everything. (And I mean absolutely everything!) I had begun to get sick and tired of their wasteful habits! I would find half eaten muesli bars lying around, week-old uneaten fruit, discarded shampoo bottles and toothpaste tubes with enough in the base for three or four more uses, soap in the bin which still had plenty of use left in it and the list goes on! Quite frankly, I'd had enough! I told them to keep their $50 a week and instead they could buy everything for themselves (snacks, lunches, toiletries and so on). I would provide their one evening meal and that was it. I even made them buy their own toilet paper. Well after two weeks they have decided to mend their ways! They just did not realise the costs involved in running a household and admitted they had taken things for granted. I only wish I had done it much sooner, for their benefit and also mine! One daughter can only afford to give me $50 still and her older sister has increased her amount to $70. However, I think things around here are going to be very different from now on as my Sad Sallys strive to become more like Happy Hanna!