Our wonderful daughter is a saver on the grandest scale. At 29 years old and earning a modest wage, she is building her first mortgage free home on five acres; as well as flying out to Bali for a holiday! She has had several serious health problems but is amazing in her efforts to follow her plan, thanks to the support of her equally admirable husband. Their two horses and two dogs are greatly loved and their lifestyle is totally free of unnecessary expenditure. They own their block of land, furniture and vehicles as they need them to drive to work.

To save rent while rebuilding they bought a duplex then removed junk, scrubbed, painted and renovated by finding the best way to build fences, roof a pergola and fix the faults. Meanwhile they have fenced their own block of land, installed gates, had a bore sunk, built open stables themselves with salvaged material and negotiated the big expenses of shed, driveway and site costs.

They are not without experience as she purchased her first property at 19, a unit which she and her father gutted and renovated. Her husband joined in and renovated a property, then they renovated a joint property before they purchased five acres, built a house and developed it for resale so that they could buy their current land. Recycling has included rescuing old baths for horse water troughs, finding a kitchen sink for a fish cleaning bench and rebuilding an old horse float. They planted and watered tube stock trees, had family members grow cuttings and even used the horses to mow the lawns. In fact one horse was purchased for the knacker's fee and the other was free.

No, she hasn't benefitted from a first home buyer's grant as she was too young at the time of her first unit, or from family gifts. Just planning, following her dream and sticking to the budget. It works!

This Christmas, I have saved myself over $1000 on buying gifts AND was able to afford a holiday for two to Queensland, just by using my green thumbs!

Instead of spending $50 on each Christmas present this year, I decided to use up some of my left over garden pots. I wrote a list of all who would receive presents this year and allocated a pot for each person (I also set aside five extra pots for those last minute gifts).

I thought about each person and what might compliment them, then I set to work! My garden is full of herbs, so I took cuttings from each herb and began growing them in their new pot for their new owner. I gave them plenty of time to settle in by Christmas.

When it comes time to give these lovely potted herbs as gifts, I also attach a recipe, so the recipient knows how they can incorporate their new plant into their cooking, or make up a lovely hand cream or bath bomb.

If you have herbs of your own and pots sitting around it's a great way to put them to good use. These lovely gifts didn't cost me a cent! I already had the herbs in my garden, the pots in my shed and instead of buying extra potting mix, I used soil from the garden that the plant was already used to growing in!

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 had been living beyond my means for some time and knew I needed to trim my spending. For the last couple of years, I had been pretty careful with purchases, but was not succeeding in 'cutting my coat according to my cloth'. About eight or nine months ago, I decided I would only spend cold hard cash. I withdrew what I could afford to once a week from the bank and forced myself to make do with that until the following week. What a shock! The first couple of weeks, I was penniless within 24 hours and had long lists of unpurchased 'necessities'. My grocery shopping barely covered the bottom of the trolley. (What a joy when it came to unpacking it!) I discovered I could do without many things and started making all food (including bread) from scratch. Most things tasted better and I enjoyed cooking. I started buying vegetable seedlings and growing them, but have had to trim that back to seeds to supply us with enough. The junk food and alcohol are long gone - the money never makes it that far. I lost weight! But I still wasn't making ends meet, so I had to cut back on contents insurance. The result has been that I am more careful with what I do have and am becoming less concerned about material possessions as I am not acquiring expensive new ones anyway. I had more free time on the weekends as I didn't 'have' to scour the newspaper for the best buys and then rush around putting them on the credit card. However I still needed to trim my expenses, so I had to forgo my medical insurance. I find I am now so much more careful with my lifestyle, diet and exercise and I suspect it is because my subconscious knows that there is no comfortable private hospital or top specialist waiting for me if anything goes wrong.

Petrol is still a thorn in my side and I am very conscious of the percentage of my hard-earned money that is going on harming the environment just to get me to work. Tomorrow I have an interview for a less 'glamorous', but otherwise similar job within walking distance of my home. This would also increase my exercise. So far, the follow-on effects of spending only cash I have in my hand have not ended. But each time I have had to make a tough decision about which 'necessity' to forgo to live within my means, I have discovered that going without is not as bad as I feared and that, oddly enough, I am now healthier, happier, less rushed, more in control of my life and proud of my resourcefulness than I ever was when I had everything I thought I needed.

I saved quite a lot of money today at the supermarket because I took along my own, personal List Supervisor!

Every week my five-year-old daughter, who loves to read and write, writes down our shopping list that I dictate to her. She then gets to be 'in charge' of the list at the supermarket and has the job of making sure we don't get anything that isn't 'on the list'! She takes her job very seriously (as five-year-olds do), and whenever I pick up an item that hasn't been written down she pipes up 'That's not on the list!' - and so I put it back! Even items that were treats for her are sent back to their place on the shelf as she exclaims 'Uh-ah Mummy, that's not on the list!'

There are many benefits to employing a List Supervisor - we save money every week, we don't buy as many unhealthy 'treats' and I don't have a bored, nagging child at the supermarket as she is too busy doing her 'important job'! It's a win/win situation for everyone!

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.

We made our own white board for next to nothing out of an old glass frame and some white spray paint. I got an old picture frame with glass in it for $4.00 from Vinnies. I took out the glass, cleaned it and spray painted one side with white paint. I then painted the frame black and put it all back together again with the painted side of the glass on the inside, and my new white board was ready. I use regular white board markers on it and it only takes a tissue or cloth to wipe off.

I am on a very, very low income, so I budget for every bill and expense. I put away bill money every fortnight and that way I have all my bills covered as they arrive, and we seem to just spend the rest. Last year I decided to pay me as a bill, so every pay day I pay me first, just $50. I now have over $1200 in savings. I can't believe how easy it is; just pay yourself before everyone else. The first couple of pays it was an effort not to touch it, but as soon as I saw it mounting up, I got very excited. I tell myself all the time that money is power. While $1200 is not much to some people, to me it's a fortune. Try it - it empowers 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.

I have saved a fortune on laminating costs over the years, by doing my own at home. I don't have a laminating machine though - I don't need one! I just buy the laminating pouches I need and get exactly the same effect using my household iron on a low setting. You just need to ensure you are working on a fairly rigid surface - if your ironing board is too 'spongy', strengthen the surface by adding a piece of cardboard, covered with cloth before laminating. When applying the iron, put a cloth or other fabric between the plastic and the iron. The results are just the same as using a machine and the heat will gently fuse the pouch together. I have done this for so long, that I don't know how much laminating costs any more, because I never pay to have it done!