Making potato wedges at home is much cheaper than buying them frozen from the supermarket. I use my OXO Good Grips apple divider (bought from a kitchen shop) to cut up a 5kg bag of spuds. I give the spuds a wash before cutting them up into eight wedges and one cylindrical wedge (the kids all fight over these ones). After popping them in boiling water for a couple of minutes I put them onto paper towel to dry, then into freezer bags. These are quick, economical and you can vary the seasonings in different bags, and have them on hand in the freezer for a quick snack or side dish.

Our story is a great example of how thinking outside the square has enabled us to get ahead, even through the toughest of trials. My husband is on a disability pension receiving $450 per fortnight and I work 20 hours per fortnight earning $397. I have chosen not to apply for Centrelink benefits due to the numerous requirements. Our uninsured home burnt down 10 years ago leaving us homeless (I went into premature labour and spent six weeks in hospital with complications so I had somewhere to stay but my partner lived in our car with our two dogs for this time). We were at the lowest point ever and could not imagine how we were going to survive. We were advised to go bankrupt, which we did but we were now unable to get finance (in hindsight an absolute blessing) to get another house.

We did what most people do and rented a house in the suburbs thinking this was it for us. After three years of this we decided to look elsewhere and found a house in 'woop woop' which was $6000 (pre-real estate boom). Using my first home owner grant we purchased our house and although it was two hours from anywhere good, it was ours outright. This in itself is a handy hint to look outside of the box - our 'woop woop' town had a doctor, a supermarket and a school so it was fine and we lived there happily for another three years. At this point the real estate boom happened and we sold our house for $48,000 and decided to look outside the box once again. We ended up 2000km away from home in a place two hours from Adelaide. We still live here happily and after four years the value of our property has gone from $35,000 to $95,000 (I swear getting our first home owner grant was like winning the lottery).

But we still couldn't save any money so two years ago I cancelled my fortnightly family tax benefit from Centrelink (approx $200 per fortnight). It was hard - very, very hard for the first eight months but then it was tax time and I was very surprised when I received a tax return of more than $7000 with my lump sum FTB part A and B. We paid our bills and bought a second hand car. This year I paid a little extra tax each week ($10) and was pleasantly surprised by an $8000 tax return. With this we bought a block of land 30 minutes down the road (in a bigger town closer to Adelaide). The value of this block is double what we actually paid! Some people say we were lucky but luck had nothing to do with it - we were just prepared to live in very yucky houses in areas no one wants to live. Three months ago a house in our town sold for $21,000 which is around the same as the first home owner grant now and there are still others which would be around the same price. We don't have sewerage or town water but we have a school and a pub so it was certainly a change in lifestyle.

Other people have asked how we are doing so well now and I just laugh! We are earning $845 per fortnight and I have chosen not to work extra hours so I can still be a stay at home mum to our diabetic 10-year-old. We have private health cover, Internet, insurance, power, phone, petrol expenses ($100 fortnight), rates, medical expenses and even private school fees to pay but we still have enough to go around and often support other people with food, even though they are making much more than us. This year we plan on buying a second hand relocatable house for our block with our tax return. It may be a form of forced savings by not getting a fortnightly benefit but when it comes in it is amazing. Thanks to careful budgeting and Simple Savings we easily survive!

My husband and I have finally found the key to successful saving! The two of us are dreadful savers; while we're good at putting spare change in a jar, we don't know what to do with it once the jar is full! We thought a saving thermometer would be helpful, but wanted something that wouldn't be so obvious when people came over to visit. So we came up with a more subtle brainwave - a jigsaw puzzle!

We bought a jigsaw of what we wanted (a house) and assigned a dollar amount to every piece. Now we 'buy' pieces of the jigsaw puzzle, the money goes in our jar and we bank the money once a month. We even set up challenges for ourselves, such as who 'buys' the most pieces in a month, and we never have to worry about what to buy each other for presents - we buy pieces of the puzzle of course! Once we've completed the puzzle we're going to hang it on the wall - of our new house!

If you have an old bookcase that you no longer need, or is a little too unsteady to use as a bookcase you can transform it into a super cheap underbed storage container! All you need is to buy some castors from your local hardware store. Just screw the castors onto the back of the bookcase, lay it down on its back and roll it under the bed. We have one of these in our boys' room for all their toys and it really reduces all the visible clutter. It's lovely to walk in and all you see are their beds!

I have saved $50 in virtual coins in just a few weeks, since I started using my online money jar! I like the idea of emptying out my purse at the end of every day and placing loose change into a money jar to help me to save. The trouble is, I don't really carry any cash on me any more! Whenever I need to buy something I transfer the exact amount onto my debit card then go out and buy it. This ensures I never have excess cash to spend but it makes it difficult to save loose change. So I came up with this idea. Every time I log on to Internet banking I check all my savings accounts and transfer all the cents into a separate savings account called my 'e-Money Jar'. It's working perfectly and is amazing how quickly those few cents soon mount up!

My mother, sister and I have changed our spendthrift ways to help each other out and enjoy quality time and a regular meal together.

We used to spend our weekends shopping. Of course we bought things we did not need. Even worse, we spent tons of money on eating out in the mall! So, we changed our habits! Once a month we spend a day at one of our houses, taking it in turns. The hostess is responsible for lunch and the others help her with a project around her house.

For example, we have painted a playroom, done general cleaning, cleaned a garage, collected items for charity and more!

I have discovered that 'saving small' really works for me and leads to some big savings after all! Before I had my first son we planned to set aside about $100 every month for savings to build up an emergency fund. However, by the time I got pregnant we had still not managed to save anything. So instead of $100 a month we lowered our sights to $10 a week - but still it didn't happen. The sum just seemed huge and too much to manage with all the bills we had to pay. After my son was born I told myself I really had to make a start. I began saving $2.00 a day. It was a small amount and did not seem big enough to notice. My son is now two and a half and I have saved a total of $1800 in cash! Now we have our second child and I'm putting aside $4.00 each day. If I continue with this, by the time my children are old enough for school, the cash will really come in handy for their education expenses - or anything else for that matter!

My kids love doing things on Saturdays but even a trip to the movies for our family costs $70. So I invented '$20 Saturday'. We could go anywhere and do anything as long as it didn't cost more than $20 for the whole day. One Saturday each month we would find a spot in the street directory that looked interesting and take a picnic, other times we visited free places such as museums or community festivals and the $20 bought a drink, small snack or ice cream. Not every place was terrific but we gave each place or activity a score to rate whether we would like to do it again. My boys talk fondly of things we did together and places we visited on $20 Saturdays and they learn that you don't have to spend up big to have fun.

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.

I'm saving money, time and sanity by serving dinner much earlier – here's how! With three young school children, I was finding they were coming home really hungry from school, eating up and were not hungry at dinner time. This meant I was struggling to find healthy, economical after school snacks and throwing away perfectly good dinners! The solution? I changed our dinner time to 3.30–4pm! They have a healthy, nutritious meal when they're hungry and a small snack such as fruit later in the evening. No wasted dinners, no stressed mummy! I have their dinner ready when they get home and then have more time to help them with homework. They are also helping out more with dishes and so on, which is a great help to me.