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!

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!

Through my job working at one of the major supermarkets, I have learned all kinds of tips and tricks to save money! Next time you visit a supermarket, bear the following in mind:

• You can save up to 50% on Sara Lee products by buying our house brand bakery items instead - they are made by exactly the same company.

• The meat is no longer as good quality and has gone up slightly in price. I would suggest going to a butcher instead and paying less for better quality.

• In-store baked items are marked down from 40-80% two days before their use-by date (this does not include bread or donuts)

• Buy bulk and buy less often. For example, if you drink coffee, wait until the BIG tins are on special and buy three or four. This will last you for ages and save you $40 and upwards on coffee alone in the long run!

• If an item seems a bit sparse towards the end of the week, chances are there is actually heaps out the back and it is going on special on the Monday, so wait to make your purchase then if possible.

• For those living alone, take another look at those frozen meals. They may look expensive at first glance at between $4 and $6 but then go and price the meat and all the vegetables. Remember also to take into account how much you have to throw out after a few days through not using them!

• If you want to see who makes what, look at the back of the pack to see which company owns it. Visit the Australian Stock Exchange (ASX) website and find out which other 'mini-companies' it has under its belt. They often compete with their own brands!

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.

Simple Savings has become a way of life. I don't have to think about saving or spending now - it just comes naturally. In the past five and a half years, we have managed to pay a whopping $150,000 (principal) plus interest off our mortgage and still live happily and comfortably. This is all due to Simple Savings.

My husband and I have three young children and our combined income is only average, ranging between $50,000 - $70,000 per year. Readers may think 'I could never do that, I would have to go without too much' or 'that's impossible', but this is not true. We don't go without; in fact we feel we do pretty well! I cannot name just one single thing that has helped us to achieve this and still be happy - it is a multitude of tips and hints, all of which can be found on your site. I have always been a Simple Saver, so for me this was not hard, but my husband found not being able to spend money willy-nilly difficult at first. These days, I am proud to say he thinks before he spends and at times even proudly tells me of his smart purchase or why he didn't purchase!

I could go on and on giving examples on how to do what we have done, where we saved money and how we used it more wisely, but that would make a book and to be honest all people have to do is log on to your site, it's all there. Focus on your goals, walk hand in hand with Simple Savings and your dreams can come true.

I am putting an end to my bad habits for good! I decided to give up one bad habit a month this year - something that costs me money and is not good for me. At the end of each month, I can reward myself have that thing again but I find after not having it for a month I no longer crave them any more!

For January I gave up chocolate. It was hard at first and each time I wanted a chocolate I had to deny my cravings. I also made sure that I did something positive, such as going for a walk until the craving passed. I also made sure that I didn't buy something more expensive to replace what I was giving up. The idea is to save money and look after my health.

When February came I allowed myself chocolate again but found I didn't want it any more! For this month I have given up fruit juice. I am finding that I actually enjoy drinking water and if I need more flavour I just squeeze some fresh juice into it.

In March I plan to stop catching the bus. Instead I am going to walk the 40 minute trip to and from work each day. Although it will take an extra 20 minutes of my time each trip, I will get 40 minutes of exercise for a cost of 20 minutes. Again I hope to continue this indefinitely.

In April I will give up alcohol. When I am out I will order a soft drink or lemon, lime and bitters, which will save me money and be good for me.

Each month I plan to give up something that is small but costly and not so good for my health. By the end of the year I should end up with a lot more money in my pocket and be far healthier too!

A novel idea to help my Mum save on new ceiling fans has led to some fantastic and unexpected long-term savings! After being quoted a whopping $160 per unit (pensioner rate) to get ceiling fans installed, we took matters into our own hands and placed an advertisement on local notice boards. It read: 'Experienced licensed electrician required to install three ceiling fans. I would like to trade the costs by doing your washing and ironing for one month.’

Within a few days, Mum had received several enquiries and selected a nice, young single guy who needed a 'mother's touch' to some of his clothes - a lot of stain removal and buttons re-sewn. He installed the fans and dropped and picked the clothes up from her place on a weekly basis. To our surprise we learned he also had connections to plumbers and gardeners and she was soon able to have her bathroom wall retiled in exchange for scrubbing out an oven and re-organising a food pantry for a couple that were having a baby soon.

It didn’t stop there! Before long she was taking up hems, sewing on buttons and doing basic mending in exchange for garden maintenance and mowing lawns. These guys are ripping up old items from homes every day with their trades so these days they even search around to find her the cheapest - or even free - items if she needs them, as well as providing an oven door and dials on her heater for free. They often come across things that others could use but end up in the tip instead.

As a pensioner, Mum has time on her hands and is very experienced in household chores but has a limited income. This trade of skills and services means she can now carry out tasks within her ability and has made some fantastic friends. Her place looks amazing and is she even happy to do babysitting for the families. In turn they really appreciate having a cuddly grandmother figure around. She has a new purpose and a whole new social network too - in fact she looks 10 years younger!

My husband is self-employed and over Christmas and New Year we were waiting on a payment that had been due in November. I had not done any shopping for over a month, and we felt like there was nothing in our pantry, especially my five kids who repeatedly moaned ' there's nothing in here!’

Of course, that wasn't the case. It's amazing what you have stashed away in containers or hiding at the back of each shelf. On a closer inspection, we found dried beans and lentils, flour, sugar, cous cous, rice and lots of other bits and pieces.

We managed to feed our family of seven on the 'nothing' in our pantry for another two weeks. We are lucky enough to keep chickens, and have a very basic vegetable garden, so all I really needed to purchase was milk. We made pancakes, pikelets and scones, and even a chocolate cake with the cocoa we found - these snacks kept the kids, and hubby, very happy!

We survived until our very overdue payment finally arrived. We have now decided that we will eat the cupboard clean every month, as this encourages us to save money by using what we already have and by not allowing things to go out of date.

I have found a low-cost wedding gift that will last throughout any marriage. While it does not cost much, each part of the gift has meaning and it is great to give a close family member or friend. You will need to put together a nice bunch of candles, in pairs of the following colours: white, green, dark blue, pink, cream, red, purple, light blue and silver.

Wrap the candles up with a ribbon or put them in a decorative box or basket, with the following poem attached (author unknown):

A basket of candles that come in a pair
In all different colours, for you two to share
The white ones burn first
They are wrapped in white lace
To celebrate your first married night
In your new chosen place.
The green pair is taller, and also much thinner
Burn with the first company you have over for dinner
The dark blue candles are for after your first fight
Use them to burn while making up all night
Pink candles set the mood and pave the way
For your first married Valentine's Day
Now, when your first year of marriage is through
the cream anniversary pair will light for you two.
Red candles aflame, both your futures are bright
Celebrate promotions you've worked toward with all of your might.
By this time we hope, maybe, just maybe
You can light the purple ones, on the birth of your baby.
And just when you thought you'd put these away
Take the light blue ones out for your fifth anniversary day.
Now just one more pair left for the big 25
The anniversary pair that will keep your love alive.
Congratulations Bride and Groom (insert name here)
On the start of your forever
May the two of you always be happy together
And burn these candles
Just the way we said
But please don't forget - blow them out before bed!

Follow Jamie Oliver's example and make your own chicken nuggets - it's healthier and cheaper! We used to buy the cheap brands of chicken nuggets but after realising how much of their content was fat/skin/fillers and other unmentionables, we switched to only buying breast nuggets or pieces. However, this soon proved really expensive and they often still have fillers. So I came up with a better way and found this home-made version is much tastier too!

Buy chicken breast fillets or tenderloins on special - I usually get them for between $9 and $10 a kilo. If using breast fillets, slice them into smaller and thinner pieces. Remove the tenderloin as one piece, then fillet the chicken into similar sized bits. Dip them in melted butter, then roll in breadcrumbs (press on firmly). I often use hot and spicy breadcrumbs, or stuffing mixes to add more flavour to the crumbs, but you can just use leftover stale bread crumbed in the food processor and save even more money! Layer the chicken in baking paper, then cover in plastic and freeze until frozen. Remove and separate into ziplock bags or suitable storage container.

When ready to cook, place in preheated oven and bake at approximately 200°C for half an hour, depending on the size of the pieces. Small boxes of prepared commercial fillet pieces/tenderloins cost approximately $7.00 for as little as 400g. In comparison, a one-kilo batch for $10 makes at least three times that amount - and without any junk fillers, additives and skin!