I am saving an amazing $100 a year on home-made pancakes! My family love it when I make pancakes for them but being a typical time-poor mum, I only ever made the 'instant' type in the plastic bottles. The trouble is that one bottle only lasts one pancake making session, so not only is it costly but I would also have liked to have enough be able to make extras for lunches and so on.

Then I recently stayed with a friend who was making up this Bulk Pancake Mix to put in a breakfast hamper for her elderly dad. She kindly shared the recipe with me and now our family gets to save $100 per year and we also contribute around 75 less plastic bottles a year to landfill too!

Bulk Pancake Mix (Makes 7 - 10 pancakes):

6 cups plain flour
2 tablespoons baking powder
1 teaspoon salt
1 cup milk powder
3 tablespoons sugar

Method:

Mix together the following lightly -

1 1/2 cups pancake mix
3/4 cup water
1 egg
2 tablespoons oil

Cook in a non-stick frypan over a medium-high heat. No more 'plastic bottle pancakes' for us!

I loved my friend's idea of bagging it up for a present too. She was putting hers in a large plastic ziplock bag, wrapped in brown paper and tied with a gingham ribbon, with a bright red cup measure and the instructions tied to the top - very cute!

One year a friend gave me a money tin and on the side of it was printed, 'If you fill this tin with only gold coins by the time it's full you will have at least $500'. It really didn't look big enough to hold that amount of money, but I love a challenge so I decided to find out if it could!

We started in March and any gold coins we had went into the tin. Our goal was to open the tin at Christmas and use it to pay off lay-bys plus have some spending money over the Christmas break.

November rolled around and the tin wasn't quite full. However, when we opened it up and counted our 'gold' we were very surprised and extremely happy to discover we had collected $700 in our little tin!

Because of that little treasure chest of gold we enjoyed a fantastic stress-free Christmas! I was able to pay for all the presents for our immediate and extended family as well as cater for a great Christmas day feast, AND we had spending money left over for the holidays.

Now it's a family tradition. My sceptical husband happily donates all his gold coins to the tin and my 12-year-old will go hunting for gold coins just to add them to the collection! I know that I don't have to worry about the financial strain of Christmas any more as my tin has got it covered.

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 came up with a great gift idea last year, which looked sensational without breaking the bank. I wanted to give families items that they really would use and enjoy, and that would not send my spending into overdrive! I created personalised gift baskets.

Each family member has their own personal likes so I decided to work with them. Most of the items were found in the supermarket, so I added them to my weekly shopping. A few dollars extra each week made little difference to my budget but provided excellent gifts for family and friends. For example, my brother likes hot and spicy food so I purchased minced chilli, hot salsa, oil infused with chilli and hot spices and presented them in a basket wrapped in red Cellophane. Two of my sisters-in-law love fragrance and candles so I made up baskets with different candles, incense, drawer liners, pot-pourri and sachets.

Others included:

• Garlic hamper - fresh garlic, minced garlic, garlic salt, garlic oil and a garlic mincer.

• Chocolate hamper - Jarrah chocolate, Cadbury, chocolate sauce, chocolate ice cream topping and chocolate curls.

• A herb bowl with 'boutique' herbs such as bouquet garni, cinammon sticks, oils infused with herbs and herb cook books.

• DVD hamper - a DVD, microwave popcorn, salsa, corn chips and jaffas.

• Gardening hamper - gloves, secateurs, Osmocote, plastic pot, hedge trimmers and Zero.

• Tea lover's hamper - a trivet, tea cup and saucer, UHT mini milks, tea bags, tea leaves and biscuits.

It is easy to pick a loved one's interest and tailor make a hamper/basket to match. Crazy Clints, $2 Shop and The Reject Shop have heaps of baskets and boxes to present your gifts in. Bowls, platters, saucepans and the like are ideal and useful containers for presentation. All it takes is some Cellophane and ribbon and you have a lovely (useful) hamper as a gift. It also works well for new baby gifts. Fill a box/basket with newborn necessities such as baby wipes, powder, nappy sacks, bibs, bottles, bootees, mittens, singlets, bath items and so on and wrap in Cellophane for that professional look. I saved a fortune last Christmas, yet everyone loved and used the gifts they received.

I have come up with a low cost way to give a 'get well' gift that is always appreciated! Instead of flowers, I send the patient their favourite treats from the supermarket. In the past I used to send flowers but the cheapest I was able to get was about $80! So I came up with this cheaper alternative.
Now, when someone is sick, I buy around $30 of the patients' favourite foods and magazines online from the Coles or Woolworths websites and have it delivered to my friends and family in hospital. You simply put in their hospital address. You can even add a note to say it is a gift from you!
Delivery is usually free, or a maximum of $5.00. This saves me $50 a time on flowers and people really appreciate the thought and effort I have gone to in getting their favourite treats. It is also a very welcome relief from hospital food!

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.

When someone you know has a baby, it can be hard to choose a gift that will be appreciated – but this gift is always well received!

I like to give new parents the gift of dinner for a week, which is delivered each night. In the weeks leading up to the due date, I cook and freeze meals that will feed my family and theirs. It gives the new parents one less thing to worry about as they are settling in with their baby, and ensures they are not living on takeaway food.

I make things like pasta sauce, casseroles, soup and garlic bread. Roast dinners and chicken salads are easy to make fresh in large amounts and I also bake cakes and biscuits so they have something to offer their visitors. If they have school age kids, I even give them food for their lunchboxes such as slices of cake, sandwiches, pizza rolls and muffins.

This may not be as spectacular as a large gift with a bow, but all my friends say that it was their best gift, as they are so tired by the afternoon that the last thing they want to think about is cooking dinner.

My husband and I have set a goal to pay off our mortgage within five years. We have a way to go, but keeping this goal in mind has helped us to curb our spending.

I worked out that any amount I put on our mortgage is actually worth five times that amount due to the saving in interest. So when I am thinking about spending $20 on a top, I multiply this amount by five and realise that I do not want to spend $100 on a $20 top! That $20 would be much better invested if it was put into our mortgage.

I can make hundreds of litres of liquid plant food from just $12 worth of Dynamic Lifter pellets! This will buy a 10kg bag. Just add around four handfuls of pellets to a nine litre bucket of water and let steep for a couple of days, mixing occasionally. When you have a nice 'tea', pour a couple of litres of the liquid, into a nine litre watering can, top up with water and give your garden a drink. Repeat until all the 'tea' is gone, then add more water to the residual at the bottom of the bucket and repeat this process. As the mixture gets weaker, you can use on seedlings, vegetables and more delicate plants such as azaleas and gardenias. The 'weak' mixture can be used as a health tonic or sprayed directly onto the foliage of plants (remember not to spray if the weather is over 20 degrees Celsius, as this will burn the foliage). Once you get to the real weak stuff, simply pour the residual under a tree and water in well.

You can also make hundreds of litres of liquid fertiliser from a 10kg bag of Blood and Bone pellets at an initial cost of approxiamtely $1.20 per kilo. Compared to a litre bottle of liquid plant food (such as Seasol) which costs about $10 and will make just over 300 nine litre buckets (going on the manufacturer's average of 30ml per bucket), your bag will make many hundreds of buckets of first grade solution followed by many more second and third grade 'weak' solutions which are ideal for foliar feeding. A huge saving, which will give you enough fertiliser to last you a whole year or more!

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!