Laundry liquid makes the best handwash soap!

I stumbled upon the best hand soap ever by accident! I had a bottle of laundry liquid I didn't like the smell of. The perfume smell was far too strong but I didn't want to throw it away. Instead, I refilled the liquid soap bottle in the laundry with it. To my surprise, I have found it is the best hand wash ever! In fact, once I finished the laundry liquid, I bought some more, to fill the hand soap bottle with!

Dairy-free oat milk for 26c per litre

I make dairy-free milk for my allergic daughter for just 26c per litre! I make oat milk at home, and it tastes just like the shop-bought version that we used to buy on special for $2 per litre. I also use it in desserts, baking and cereal, even though I’m not dairy-free. It’s even cheaper than prepared powdered cow’s milk, which I recently priced at 80c per litre!

Here is the recipe (costed out using Coles home brand ingredients) -

Ingredients:

1 cup rolled oats 120g (22c)

4 cups water

1 tsp brown sugar (2c) - optional

1 tsp sunflower oil (2c)

Method:

1. Blend all the ingredients in a blender for one minute

2. Strain through a muslin or a nut milk bag (I use old muslin baby swaddles).

3. Store in the fridge for up to five days.

My husband and I eat other dairy products and my daughter still has two cups of calcium-fortified, shop-bought, non-dairy milk per day as a drink, but we now use at least three litres less of shop-bought milk per week, working out to a saving of over $300 per year!

Careful planning feeds large family for $115 a week

I feed my family of six on a little over $230 a fortnight with a bit of planning and a lot of baking! I buy a bulk 2kg pack of beef mince from Aldi ($11) and a 2kg pack of chicken ($20) as well as jars or packs of sauces. I separate the mince into four 500g lots and make rissoles with one lot (adding grated carrot and zucchini), then I put the rest away for spaghetti, pasta bake and burrito/taco night. This makes four main meals and we often have leftovers for lunch the next day.
I take three or four of the chicken breasts and slice them in half or into thirds, tenderise them with a mallet and cook them for sandwiches. I slice and dice the rest of the chicken for stir fries, casseroles, wraps and burritos. This gives me another four or five main meals plus leftovers. This way I spend around $230 on my main shop a fortnight, including nappies. I bake a lot which cuts back on the cost of expensive snacks for the children and I always have a pack of jelly on hand to 'treat' them when the cupboards are really bare
I also plan my meals around what fresh veggies I have in the fridge and leave the frozen ones until after I have run out of fresh ones, and I alternate rice and pasta with couscous and potatoes or cauliflower bake.
It just goes to show that frugal and planning don't have to mean boring!

Declare war on the mortgage

We decided to get rid of the $96,000 mortgage on our home within three years. The massive load of interest we would pay to the bank was over the top and we felt that the bank owned us. The entire family bought into the project one hundred percent.

1) We replaced the nice modern cars with older, less costly ones. The net difference and any savings we had and $700 from a garage sale were paid off the mortgage.

2) We agreed to budget as if we were in a life and death war and the war had to be won in three years. I developed an Excel budget spreadsheet and we tweaked the numbers until we had a 'do-able' weekly saving of $220 extra to pay off the mortgage. Clothes purchases would be done exclusively at 'Harrods', our Salvation Army shop, until the war was over.

We decided to run any item not budgeted for over three 'hurdles'.

The first hurdle was 'could it shorten the mortgage war?'

The second hurdle was 'is it a health issue?' and if so what was the least-cost workable solution?

The third hurdle was 'could it wait until the end of the three years?'

3) As time progressed we became pretty smart at reassigning money to reward ourselves for enduring the war. This meant we could have a low cost take away sometimes, or spend on an out of budget item we had set our hearts on.

It took nearly four years to knock off the mortgage. Yes, we won the war a little later than hoped, but we won. If it had taken eight or nine years to win, it would still have been worth it.

The legacy of our war against the mortgage is that we have developed great money saving skills for life. And life is great.