We no longer spend up to $5.00 on a birthday card. Now we spend $0.15c at the very most!

All we do is take a photo of the family holding up a sign that reads 'Happy Birthday'. I have had a pile of them printed off and we simply write a personalised message on the back of each photo.

This great idea can be used on any occasion, including Christmas. So say cheese and save bread!

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.

As school has gone back, and exercise books need covering, I thought I'd share this money and time saving tip.

I bought a box of 100 plastic sleeves, just like the ones you clip into ring binders. These cost me just $1.50. I then cut off the spine and the bottom of each sleeve, leaving me with a piece of plastic that is the perfect size for covering exercise books. The spine of the book fits and holds neatly in the crease, and the overhang is the perfect width for folding over the edge and sticking down. So simple, and at $1.50 to cover 100 books, so economical too.

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.

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.

Last Christmas, instead of buying everyone gifts, I bought some small gift boxes for $2.00 each at cheap stores and baked mini puddings and mini rum balls (I made heaps from one recipe), which I put in the boxes. I then tied them with a length of curling ribbon to make them look attractive. Everyone loved the goodies inside, and the maximum cost was $20 for at least six boxes.

I will definitely be doing this again this year. It will probably become a tradition - and why not?

We had the chance to travel overseas several years ago but had to save $1000 to make it happen. On one income with two small children it seemed impossible. Then I had the brainwave - I didn't have to save $1000, I had to save $1.00 a thousand times! This was so much easier - a generic brand product at the grocery store, a chocolate bar at the petrol station and so on, soon added up and the savings contributed to a great family holiday.

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!

Making our own cleaners has saved us a fortune over the years and we have saved the environment a little too. '1001 Greener Household Hints' by John Schluter is full of simple household cleaning ideas and we went straight out and bought some five litre bottles, spray bottles and some of the suggested basic cleaning ingredients. The following instructions are from the book:

Air freshener: Mix one teaspoon of bicarbonate of soda with one tablespoon of white vinegar. Add two cups of water. Store the mixture in a pump spray bottle. Add scented oils for fragrance.

Spray and wipe cleaner: Mix two tablespoons of cloudy ammonia, a half cup of white vinegar, two tablespoons of washing-up detergent and four litres of warm water. We stored this in large labelled bottles and used in spray bottles as needed.

Bathroom disinfectant liquid: Dissolve 12 drops of eucalyptus oil in 1ml of methylated spirits and then add eight cups of warm water. We used this in spray bottles also.

We paid $5.00 for the book but have saved hundreds in the years since we began making our own cleaning products.

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!