Make your own nut butters for a fraction of shop prices

I save a fortune on buying nut butters by making my own. Almond butter, cashew butter and good quality peanut butter can be fairly expensive to buy so instead I buy roasted almonds for about $4 at a bulk supplier (Bin Inn if you're in NZ) and blend it in my Nutribullet with the addition of a smidgeon of olive oil. This gives me twice the quantity of a shop-bought jar which would cost at least $12! You can also add a little honey or chia seeds to add variety. I use the same method to make cashew butter. I simply buy 200g of cashews for $4.80 from an Indian grocer, roast them in the oven and blend them with the addition of a little olive oil to start the process. At around $15 a jar to buy at health food stores, this is a terrific saving!

Bundle up your bags and don't get caught short

I have come up with a super easy way to solve my shopping bag dilemma! Like many people, I was sick of trying to organise a whole bunch of bags of different shapes and sizes in the back of the car, ready for shopping trips. I really like my car to be free from clutter, so wanted a thrifty and simple solution, I decided to use an old cosmetic purse and filled it with 99c reusable nylon bags from the supermarket. These roll up tiny and fasten with a elastic tab, making a neat and tidy little roll. I can fit eight of the tiny rolls into my cosmetic purse and this in turn fits nicely into my handbag or centre console of the car. These days I never get caught without a bag and these ones can get used over and over again. Being made of material, they can also be thrown into the washing machine if they have had meat or something drippy in them and are soon as good as new again!

$3900 saved for two days work!

Renovations need not cost the earth. We just bought our first home and it had a hideous old kitchen with brown contact, broken stove elements and musty cupboards that had seen better days. We wanted a new kitchen but it was going to cost $4000. It was money we didn't have, so I used my brain instead and renovated our entire kitchen for under $100.

I bought:
Two bottles of oven cleaner at $3.99.
One second hand element from the dump for FREE!
Two tins of paint from Kmart for $17.99 and $36.99
Curtains that were faulty and discounted to $20 for two pairs.

I stripped off all the contact, cleaned the cupboards and painted the inside with flat acrylic paint. They are now white and clean inside. Then I cleaned the oven and fitted the element from the dump. It looks great. Now the oven will do us until we get that mortgage out of the way! I then removed the cupboard doors and gave them a coat of enamel paint. I took the door handles off, cleaned them with oven cleaner and refitted them - they came up like brand new! Finally I hung my bargain curtains and my new fresh, white kitchen looks lovely.

My husband was very impressed. All it took me was two days work and $82.96 of supplies. Best of all,I saved $3900 on a new kitchen.

The real cost of spending

I have turned my love of a good bargain into something far more valuable! Whenever I am tempted to buy something I could possibly do without, I first calculate how much we would save by paying that money into our mortgage instead. For example, I recently saw a new dress on sale for $49.99 - a bargain, right? However, I paid a quick visit to a mortgage calculator website and discovered that if I didn't buy the dress and put that money onto our mortgage instead, it would take a whole month off the loan term and save us $334.39c in interest. In other words, my 'bargain' dress would really cost me over $300!

Looking at my purchases this way has become a really easy and effective way to curb my spending habit. Now I carry a piece of paper in my wallet with various prices on and I can see how much I would really be spending. It's amazing how much stronger my willpower becomes when I check my piece of paper before buying something and find out what its real cost is!