In the spirit of getting organised for May, my tip has to do with letting go of control and coming up with organisational ideas that work with the people you love.

For example, my partner is a wonderful, talented individual who wouldn't know how to put away his clothes even if he was bribed! Clothing was constantly strewn over the floor, on the furniture or stuffed into cupboards and this drove me to distraction on more than one occasion.

Finally it dawned on me that the neatness issue was mine and the organising issue was his, so I discussed what would work best for him. I found out that he would prefer a single place to keep all his clothing, something portable and easy. I went away and, based on what he had told me, set up a system consisting of one large plastic tub on wheels and one small wicker basket. I placed both of these in the bottom of the wardrobe.

Clean clothes now go in the tub and dirty clothes in the basket. When the wicker basket is full, it goes in the wash; I made sure the basket was the same size as a machine load. When washed and dried, the clothes go from the basket back to the tub. Simple!

Now I have a clean bedroom and my partner can always find clean clothes. As a bonus, he's reduced his washing by two-thirds because he is only washing dirty clothes, not a mixture of clean and dirty.

Best of all, there is no longer friction surrounding the tidiness of the bedroom. The idea of working with those you love to create a harmonious living environment, where their needs and ways of doing things are heard and acted on really can have a positive impact, both financially and emotionally.

Skint but stylish. That's how I like to think of my lifestyle, because it is such fun to live on the smell of an oily rag without anyone else knowing! Eighteen months ago, although in recovery from depression, I found myself many thousands of dollars in debt and with several accounts having been sent to collection agencies. I was also 31kg overweight and at risk of cardiovascular disease and Type 2 diabetes. The excess weight (not to mention the stress!) was also making my arthritis worse. I was no longer able to work in my former profession and, as I was in my early sixties, I wasn't able to find other work and was on Centrelink (Social Security) benefits. I have since been transferred to the Age Pension. I knew I had to make some drastic changes, and pretty darn quickly too! I had just a few things going for me:

• My Visa card was a debit, not credit, card.

• My account was with a credit union, rather than a bank, and fees are much less.

• I was knowledgeable about nutrition.

• I was willing to face unpalatable facts about myself and make lifestyle changes.

With this small armoury, I prepared to do battle! The first thing I did was to sit down with all the paperwork, and list all the accounts, personal loans and the total. I nearly had a heart attack right there and then, but with the information, I was able to draw up a projected payments schedule. I contacted all the collection agencies and told them how much I proposed to pay each fortnight until all were paid. I did the same with private lenders. Nobody turned my proposal down; it really is true that, if you get in contact and show willingness, most lenders will give you time to pay. They would rather have their money than you in jail!

Step 2 was to organise payment of my electricity account by direct debit from my pension - what you never have, you never miss. Once the phone bill was paid off and reconnected, I did the same with that too. In all, my debt reduction program was going to be about $200 per fortnight, or roughly 34% of my pension and Centrelink allowances. Since my rent costs another 34%, the remaining 32% had to stretch to cover food, cleaning materials, clothing, pharmacy costs over the pharmacy allowance, fares for trips outside walking distance, presents, postage, life insurance and credit union fees (direct debit from my credit union account), occasional small charitable donations and the occasional small treat.

Step 3 was to go on to a sensible eating program (not a fad diet) that would help me to lose weight, bring my blood glucose and serum cholesterol levels into the normal range. A low GI, high carbohydrate, moderate protein, low-fat pattern fitted the bill in all respects. The challenge was: could I do it on $50-$75 per fortnight? The answer is yes! I make my own wholemeal bread, soups, skim milk yoghurt and lots of interesting dishes from many countries, based on grains and vegetable proteins, and stock up on tinned oily fish for essential fatty acids when on special. I have red meat and poultry only once or twice a fortnight and the rest of the time my proteins are derived from legumes, eggs and low-fat cheeses. It's just as well that I like oats! I drink two litres of water a day and make my own herbal teas from homegrown herbs. I don't buy soft drinks and buy leaf tea rather than tea bags, as it's better value per unit serving. I find whole fruit better all round than juice as a rule.

Step 4 was to get mobile! I walk, because I can't afford gym membership, and walking can be done by those who can't jog. Being out in the open air blows away the blues too. Having won a free pedometer, I wear it and try to reach 10,000 paces a day. I also started a vegetable garden and this saves me money where it counts, on vegetables, as well as being another source of fresh air and exercise.

Is it working? Is it what! In the last financial year I paid off $5000 in debts on the pension alone, and am on track to achieve the same amount this financial year. I lost 13kg in the same period - a nice, sustainable rate. My blood glucose level is normal, my serum cholesterol almost so, although because of familial hypercholesteraemia, I need some medication to help with that. I am continuing to lose weight slowly but surely and have much more endurance and less pain. My GP is nearly as stoked as I am. I take care of my clothes, believing that 'well-pressed is well-dressed', so my appearance doesn't give me away either. Occasionally I earn a little money from magazine contributions and this usually goes towards seeds or something else for the garden, but occasionally I restock the pantry with staples. I make my own cleaning products with such simple substances as vinegar, bi-carb of soda, washing soda crystals, soap scraps, eucalyptus oil and - wait for it - Worcestershire sauce (cleans brass and copper a treat, and one nearly always has it handy). I turn my appliances (apart from the fridge) off at the wall when not in use and have noticed a difference in my power usage. All my incandescent light bulbs have been replaced with long-life fluorescent ones, and by crafty use of acrylic-lined curtains I keep my house cooler in summer and warmer in winter. I pile on the clothing layers in winter and wear cool clothing in summer. If I'm watching TV in the winter, I cover my legs with a woollen rug and put on another cardigan if necessary, rather than turn up the heater.

Because I can't afford much for presents, I give of myself. A nice present is a 'book of vouchers', made attractively and containing such redeemable coupons as: 'This voucher is good for two hours' ironing... or an evening's baby-sitting... or... whatever!' Very few people say no to home-made goodies either. It makes me feel truly wealthy to give someone a loaf of bread still warm and fragrant from the oven, or a jar of chutney.

As a new singleton, I have learned not to let my pride stand in the way of making a new home for myself on a budget. I recently separated from my husband of 14 years and moved out of the family home. We share our four children week-about but I wanted to leave the family home as complete as I could for some sort of stability for the kids. With so little to now call my own I had no choice but to swallow my pride and 'put it out to the universe' that I needed quite a bit to furnish my new home.

At the op shop I purchased three Jason recliners, a telephone table, two tallboys, a desk, four bedside drawers, a single mattress and linen for the beds for $63, including delivery!

By word of mouth through friends I was given: a washing machine, microwave, crockery, glasses, towels, THREE TVs and a TV/stereo unit, a digital set top box, two stereos, a BBQ, a brand new gas bottle for the BBQ, a gorgeous white cast iron bed for my daughter, a queen size bed and three single beds, a computer, a bookshelf, a two seater couch, a bike and doonas for us all, as well as pillows. I gave away a few of the TVs and one of the stereos to people who needed it.

I also found that if you ask your friends if they have excess tea towels, coffee cups and so on, you'll find that they can often spare a few of these items.

Most importantly of all, I have learned that I don't need matching crockery or linen to make a home, just the basics and a lot of love!

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!

I make these Cheesy Ham and Corn muffins, which are delicious and at only $0.44 each to make, give me and my family something tasty, cheap and healthy in our lunchboxes. They are yummy cold, or heated up in the microwave.

Makes 12

Ingredients:
1 x 310g can of corn (reserve can for measuring)
½ cup reduced fat milk (1/2 ‘can’)
2 eggs
2 cups of self raising flour - I use wholemeal (2 ‘cans’)
Pinch of salt
2 cups reduced fat grated Australian cheese (2 ‘cans’)
2 slices ham, cut into strips
2 teaspoons English mustard

Method:

Whisk together corn, milk and eggs in a large bowl until combined. Add remaining ingredients and stir until just combined.
Spoon mixture into non-stick ½ cup muffin tray.
Bake at 200c for 15-20 minutes or until golden brown and cooked through.

I've saved money and taught my daughter a valuable skill at the same time.

My twelve year old daughter has a passion for fashion, but little realisation that everything costs money. It seemed that every time I went shopping, there would always be something my daughter just had to have. It can be difficult determining if a request for something new is a necessity or not, so to stop myself sounding like the 'no police', I put the decisions back on my daughter.

I opened up a bank account in her name, with a key card attached. I worked out how much per year I would need to spend on her clothing, including shoes and accessories, but not school uniforms. I divided the yearly cost by 12 and I now deposit her monthly clothing allowance on the first of every month.

My daughter was so excited to have her own key card, and new responsibility. I did have to explain that when winter approached she would have to have enough money saved for new winter clothes and that she couldn't just spend her entire allowance every month.

Now, when we go shopping and asked 'Can I have one of those?' my answer is, 'Sure, can you afford it.' I am amazed at how many times something is picked up off the shelf as something she just has to have, yet we end up leaving the shop without it. And, I'm thrilled that I no longer have to be the one who says 'no'.

It has only been a few months but I have already saved a small fortune and my daughter is learning how to budget.

I live with my husband and 4 year old twin boys in a unit and we discovered Simple Savings at a time that was very difficult in the life of our family. I wanted to share a bit of our journey that led to saving money and an improvement of our quality of life.

When I discovered Simple Savings my husband was a self employed contractor who was in between jobs and our income became more limited as I work part time and we have many fixed expenses including a large mortgage and preschool fees.

We were feeling very stressed emotionally as well and finding daily living difficult to manage. I pored over the Savings Vault and found a wealth of information so assist us in reducing our expenses. As we were feeling quite vulnerable and finding change a struggle we picked one tip a week to research or implement and we started with the simplest first so we could experience enough success to motivate us to continue.

So the first week my husband put his razor in a small glass of olive oil (to prevent rust and make the blade last longer). Then we replaced our fabric softner with 1/4 cup of vinegar and put vinegar in a pump spray pack to clean our benches. We also used vinegar to clean our floors. As we "succeeded" we began to feel better about life as we were exercising the control we could to improve our situation and it felt creative.

We also:

Researched car/house/contents insurance for the best deal

Started to shop at Aldi regularly, knowing from other Simple Savings users which were the best value products

We found a wholesale butcher (Elvy's Wholesale Meats 2/19 Norman St, Peakhurst tel: 9153 6656)

We started cleaning our dishwasher with citric acid

We gave homemade gingerbread houses and biscuits as Christmas gifts

Our children made gift wrap (painted and glittered) from a roll of butchers paper bought for $10 at IKEA which is very personal and inexpensive.

We joined 3 different DVD clubs and got a free month from each before cancelling which gave us great free entertainment over the Christmas months.

We found websites for children's activites, and a recipe for homemade playdoh that we love and have given to other children as gifts.

We also bought $8 worth of alphabet and flower beads and bracelet elastic from The Reject Shop and made 13 name bracelets for preschool teachers and friends. My boys really knew the joy of giving something that they had helped choose and make. The recipients were joyous at the personal nature of the gift.

I now make my own bath products for our family and for gifts from the recipes and websites reccommended by Simple Savings subscribers.

We are adding to our life routine regularly and we are loving our life. This week I have taken my first week of unpaid leave from work to be with my cherubs during the school holidays and it is such a priceless and precious gift.

I really appreciate the invaluable life tools that I have gained from your website and value sharing this way of life with my children. And I encourage the overwhelmed to add one tip a week to your life...they all add up to big change.

Making your own pizzas is a brilliant way to save money on buying them - but I bet you haven't tried this! You can save even more money on takeaway pizzas by making your own bases using just TWO ingredients!

This recipe makes two medium sized pizza bases:

2 cups self raising flour

1 x 200g tub natural yoghurt

Simply combine your two ingredients in a bowl and mix together until well combined. Turn out onto a floured board or surface. Knead together as usual, then divide into two equal parts. Roll out your pizza bases, add your chosen toppings and pop into the oven for 15 minutes at 220 degrees.

The results are so delicious. Simply use up whatever you have in the fridge to top your pizza and you've got a super cheap and filling meal. I've converted all my family and friends too! I dare you to give it a go, you'll be amazed!

I add a supermarket gift card to my weekly grocery list and use them all up to shop for Christmas! After doing some calculations I realised that the ready-made Christmas hampers that you pay for weekly cost three times their actual value, not to mention the fact that they can include many products you won't ever use. My new system for buying Christmas groceries lets me buy my own hamper full of items at the current price or on special.