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!!

'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!

$25,000 saved in three years

I was renting for nearly three years on a medium salary and really just living day by day. I decided that I wanted to get out of the renting cycle, so thought I would become educated financially. I started reading the 'Rich Dad, Poor Dad' by Robert Kiyosaki series of books and immediately I saw there was no way out unless I changed my psychological views dramatically and acted on them.

I started a savings plan by setting up three bank accounts - one for daily spending (which gave me a small amount of easily accessed money), one for bills (which I used to pay credit cards and so on) and one for long term savings (through ING Direct) which was only to be touched for large goal purchases.

I requested my employer split my pay 30% in the daily and 70% in the bills accounts. Once the 30% ran out, I just sacrificed a bit more and went without the usual luxuries until the next pay. I soon found that I would spread the money out for longer until I hardly ever ran out. At the end of each month (or whenever the deadly credit cards had been paid), whatever balance was left in the bills account was transferred to my savings account.

I am happy to say that after three years, I have managed to save nearly $25,000 for a deposit for my new home, whilst accumulating 5.25% interest!

Home-made mosquito repellent recipe

This all-natural home-made mosquito repellent costs around $3.00 for a small spray bottle and is kind to your skin and the environment. Mix 50ml of sweet almond oil, 10ml of dettol, 10ml of citronella oil and 10ml of eucalyptus oil in a spray bottle and shake well. We have been using this recipe successfully all summer with no bites and no staining on our clothes.