Lose weight, save money and reduce waste with friends

Our group of friends have learned there are many more benefits to being health conscious than just losing weight! We first started getting together to try and lose weight after Christmas. My friends went with the keto diet and I chose intermittent fasting. Of course, everyone needs to make sure they are medically safe and that whatever you choose suits you, as well as being mindful that children have different needs.

Having company certainly helps with motivation as we meet for coffee most mornings and compare notes. A bonus from this however, aside from losing weight and feeling much better, is that our grocery bills are a fraction of the usual. I am so pleased to see money left in my account on pay day! One friend reported that for her and her husband the usual spend at Harris Farm was over $200. Now it is under $40. I am single so used to spend around $100 a week on groceries and another $100 plus going out. Now I am down to $60 a week all up!

The other issue for me was waste. I would regularly buy whatever took my eye and it would go off in the fridge. Now I make a list (amazing how that works) and only buy enough for my meals. For example, I buy one zucchini instead of a bag full. I find grating some colourful veggies such as carrot, zucchini, yellow squash and red capsicum makes the meal interesting and seems bigger somehow. I get the ALDI salmon OR the chicken thighs - not both like before! - and either of these will last me for over a week.

Buying fresh produce is much cheaper and better than packets. The diet has reduced my appetite, so I can afford to buy smaller pieces of meat of higher quality. It takes some organisation but is so worth it. Training yourself to eat less certainly helps the budget. There are some good resources on intermittent fasting on the Internet and Dr Michael Mosley's book. My friends are using The Power of Protein. I also found a guy who appeared on The Doctors, who has created the Snake Diet, although that's a little extreme for me!

You can heal your life - and your nails!

A book by Louise Hay helped me to put an end to 45 long years of nail biting! According to her book, 'You Can Heal Your Life', biting your nails may represent 'frustration, eating away at oneself, or spite of a parent.' It wasn't until I made the conscious connection to my unresolved feelings and nail biting that I stopped. What I found really helped me was downloading some free meditations from YouTube. These cost absolutely nothing to help relax and unwind. I also repeated some daily affirmations such as 'I enjoy having beautiful, long and strong nails'. I have also used homeopathic remedies such as Brauer's Nerve Tonic, which in my opinion is the best thing since sliced bread to calm a stressed nervous system!

Confessions of a stay at home mum

I can hardly believe it but we have an extra $2000 sitting in our savings account! I have been a stay at home mum for 18 months. My husband earns a slightly above average salary, which allows me to stay at home with our son. We have a modest home, with modest furnishings and modest tastes. We haven't really had a financial plan since we got married two and a half years ago and have just been cruising along, saving a bit some months and spending it other months.

When I first left work I had full intentions of making a budget, planning our meals, organising our lives and generally being on the ball with our finances. Each month when pay day rolled around, I would say 'this is the month where I get organised!' But it never happened. I am the first to admit that I have been lazy, unmotivated, complacent and ostrich-like. I have been a member of Simple Savings for over a year and always thought we were doing OK and didn't really need to know all these ways to save money. I had heard of the $21 Challenge but wasn't really motivated to try it and we were ticking along as usual - until last month.

With baby number two arriving in three months we needed extra storage space so we extended our garage to make room for all our stuff. This extension made a dent in the savings account which although we knew it would, was quite depressing to see the balance dropping and dropping and not going back up. Lo and behold, motivation began creeping in!

I downloaded all our bank transactions for the month and was horrified to find that I had spent an average of nearly $260 per week on groceries for two adults and one toddler. There were lots of other things I was also horrified to see but I started with the groceries as it seemed easiest. Motivation knocked harder. I decided to take charge!

I read the first two chapters of the $21 Challenge on the website, put a copy of the book on my library request list and did a stocktake of my pantry, fridge and freezer. Imagine my shock when I discovered I had enough ingredients to plan meals for the next 19 days! That's not counting meals like scrambled eggs, pumpkin soup and the emergency baked beans on toast. We had enough food in the house to live on for over three weeks! We just needed fresh fruit and veges and that was about it. I didn't quite make $21 but my first grocery shop after doing the stocktake came to $61, down from $258 per week the previous month.

From then on I watched the bank account like a hawk and knew where every cent went. In previous months when the bank account got low, I would simply pull out the credit card and pay it off on pay day but not this month! This month it stayed in my wallet.

It's pay day again tomorrow and guess what? I have spent an average of $160 per week on groceries, saving us nearly $100 per week. By being aware and thinking to myself 'do I really need that?' and deciding 'no', the savings account has increased by a whopping $2250! That figure makes me weak at the knees! I can’t honestly say where the money has been going before now. We don’t have the latest gadgets, appliances or clothing. I am truly at a loss BUT I have to say I'm pretty proud of myself right now! At the same time, I feel a bit sick that I didn't do this 18 months ago, or even 12 or 6 months ago, but I've done it now. I am motivated to change my ways. I have goals. I have the energy to do this and I have Simple Savings to thank for giving me the tools to continue saving. THANK YOU!

Save money by ignoring pamphlets

People are constantly amazed when we tell them that we have managed to whittle down our weekly grocery bill to just $100 for our family of four. Our income may not be all that we would wish, but with a little dedication, we have made a huge difference.

For example, in recent months, we have saved $50 per week on our grocery bill, since we have started throwing away our supermarket circulars! For years, I eagerly awaited the arrival each Sunday of the supermarket 'junk' mail. I would plan our eating to a large extent on the weekly specials, and would stock up on a few of them, believing it was saving me money.

However, once I began throwing them away without even a glance, it had an unbelievable effect! Not only did it cut down on the clutter in the house, but amazingly my grocery bill plummeted. I now buy only what I need - as opposed to what the stores want me to buy - and the benefit is showing. By throwing out the junk mail alone, our weekly grocery shop reduced from $150 per week to around $100, saving $2,600 per year!

I still use a menu plan to help me stick to my budget, but now it is food of my choice, rather than being influenced by supermarket advertising. A typical weekly menu might look like:

Monday - Baked chicken and salad (whole chicken $2.50 from local butcher)
Tuesday - Fish and chips (fish $2.00 per pack at ALDI, I use potato gems or
chips about $2.00)
Wednesday - Pasta bake & salad
Thursday - Taco's
Friday - Baked beans (ALDI's are really cheap at around $0.40c for two cans)
Saturday - Chicken legs, pasta and salad (chicken legs $2.00 per kilo)
Sunday - Quiche & salad

I usually have all the meat I need already available, as I buy in bulk, so all I need to buy for the week are any other items to complete the meals. I buy salads and vegetables on alternate weeks - one week we have salad with everything, the next week I buy vegetables for all our meals. It may sound an unusual way of shopping, but this way there is no wastage; unlike when I used to buy both.

I don’t buy everything in bulk, but some items work out more economical, such as:
Bread - I buy bread from Coles after 6pm to take advantage of the markdowns - for example, $0.50c for a packet of bread rolls, or a loaf of bread.
Chickens - Patton’s, our local butcher have many great specials, including chickens for $2.50 each. I buy ten at a time and freeze them; they may not be huge, but plenty enough for a family meal, plus leftovers for sandwiches.
Fish - ALDI have oven bake fish for $2.00 per packet (the cheaper of the two
versions). They are like large fish fingers, and perfect for us. Combined
with the chips or potato gems, the whole meal for a family of four comes to $4.00.
This is a standard meal for us, and I make sure I buy plenty to last between ALDI visits. Ice cream - I wait for special offers so I can purchase five litres for $5.00 and buy in bulk.
It also pays to buy washing powder and toilet paper in bulk when on special, as they don't go off and you will always need them!

When I was planning my meals around the supermarket brochures, my shopping list was actually doubling - that was without any impulse buying as well! Another thing I also now do to cut down costs, is alternate a meat meal, with a non-meat meal. You will see from the menu plan above how we eat meat and vegetables one night, baked beans the next, or pasta bake and so on. We enjoy our meat, but find we can cope with every second meal being meat based, and it really keeps costs down.

We don’t eat cereal every day for breakfast, it works out too expensive - it’s actually more expensive to eat than steak! We have toast, eggs or grilled tomatoes. With the children, lunches are mainly sandwiches; the kids like their Vegemite, peanut butter and Nutella; the adults make use of any leftover meat. For school lunches, I dropped most of the expensive packaged goods (for example, Rollups) in favour of two sandwiches and a piece of fruit. They still have a lunchbox treat now and then, but it’s sometimes, not everyday.

One tip I have learned which has really helped me is that the family actually prefers me to cook from their range of ‘family favourites’, rather than consulting cookbooks or fancy magazines. If this is what they enjoy - stick to it and save yourself the time and money!