'Gentle reminder' can lead to a lifetime of saving

Often all it takes is the smallest reminder to make a huge difference. Having just turned 65 and now "eligible" to retire, I am not ready to do so either physically, emotionally or socially. I'm also frequently with younger people, who don't necessarily have the same basic foundation of budgeting that I was brought up with. With that in mind, I have taken to carrying around a subtle reminder of the cost of living which not only works for me, but will hopefully rub off on those around me.

My card wallet has a 'sticker' reminder, which says "$20? Is it worth one hour of work?" It's small and discreet, but effective! It also serves as a talking point when I am out and about with some of the younger ones and buying coffee or lunch. It's simple to make the label on the computer or by hand, then clear tape to the card wallet. Here's to some improved lifestyle options as I age further!

DIY 'mixed vegie bags' makes meals faster and easier

This simple tip saves me money and time every day when preparing meals. Whenever I buy frozen vegetables, I bring them home and immediately divide them into portions, placing them into ziplock bags, then popping them in the freezer. I often divide up broccoli, peas, cabbage, sprouts, carrots into the same bag. This way, they take up less space in the freezer and I know exactly how many meals they will serve. None ever get wasted and they can be either stored together or placed with other food to make it instantly possible to grab a complete meal. The same method works well with fresh food in preparation for things such as school fruit or lunch breaks, when time is at a premium in the mornings!!

Free on-line classes for computer skills

Save hundreds of dollars on learning computer skills with Hewlett Packard. Their website (www.hp.com) offers free online classes. Become proficient in Microsoft Word or Excel, take better photos and learn heaps of craft ideas to use them with. There are assignments at the end of each part of the course and a short quiz. There is also a message board to leave messages for the instructor and see how others are finding the course or even share ideas. There are two lessons available per week and you receive an email to let you know when each lesson is ready. You even get to print a certificate at the end, stating you have completed the course.

There are various courses available - some for small businesses and others for hobbies such as scrapbooking. Another bonus is you can print each page of the lessons as you go and keep them for future reference. Similar privately run courses or through WEA can cost a minimum of $100!

Weekly supermarket gift card saves for Christmas groceries

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.