Different name, different attitude to saving!

A simple change of tactic can make the world of difference when it comes to getting the family on board with saving! Our family recently did a $21 Challenge. To begin with, I was talking with my daughter, when the children started carrying on about the challenge, (the eldest child in that household in 21!). The other adult in the house said nothing, but his expression said everything. What was I going to do to get them on board? I had a lightbulb moment and told them that I was playing SURVIVOR, with help from my fridge, my freezer and my garden. Did I get any more criticism? No way. What I got was discussions on which family member would be able to survive with what is available at home, and for how long. This discussion went on for a week or more. I heard no more complaints and we spent just $2.99 over a fortnight! Next goal is a $41.00 challenge for a whole month. I just need to set a date, and get my support team going again!

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!

Student secrets to eating for $15 a week

During my uni student years I developed a menu-planning and grocery shopping system that allowed me the freedom to eat well, generously fuel my bicycle-based lifestyle, entertain guests regularly and experiment with new recipes, all within my strict food budget of just $15 a week!

It works like this.

1. Decide how much you will spend on your weekly groceries. In recent years I have had to increase my spending to about $21 a week due to rising food costs and CPI, but the system still works really well when I use it and is a great way to separate needs from wants.

2. Choose the staples and basics that are to be made every week as needed. These could include soy milk, tofu, sourdough bread, yoghurt, sprouts, hummus, fresh lemon cordial, Anzac bickies, gomasio or whatever else you require.

3. Give the ingredients needed to make these staples first priority when making the weekly shopping list. If you have a local food co-op you can buy mostly organic ingredients with minimal packaging in exactly the amounts you need.

4. Check what else is in the fridge, cupboard, garden or neighbours' garden and pore over your large collection of second-hand recipe books to see what can be created with these other ingredients. Recipes which require two or less extra (and inexpensive) ingredients are preferred and a list of these and their corresponding cookbooks/page numbers is made and stuck on the fridge. There will usually be a selection of mains, side dishes, desserts, treats and beverages on the list.

5. Give the extra ingredients needed for the chosen recipes next priority on the shopping list. Over time you will intuitively know when your shopping list is 'full'.

6. Once out shopping, specials of the day such as a big bag of discounted apples or cheap cooking tomatoes take third priority. If not consumed within the week, these can form the basis of recipes chosen for the following week.

7. Last priority (and usually only considered after the register shows you are still under budget) are those inevitable temptations that one wants rather than needs. It often helps me to take my recipe list with me and remind myself that I can make a delicious self-saucing carob pudding at home for a fraction of the cost of the tiny chocolate bar I am now contemplating. All of a sudden the money seems much better spent on a kilo of brown rice!

8. Back at home, simply cross the recipes off the list as they are made. There will always be plenty of food for dinner parties or last-minute guests, and the sometimes tiresome decision of 'what to cook?' becomes easy.

Using this system I have never run out of food or felt like there was 'nothing to eat'. In contrast, I have stayed at many houses where, despite having pantries and fridges which are bursting with food, the occupants have driven to the supermarket and easily spent $30 or $40 just to cook up dinner for the night.

Seems unbelievable? Try scratching every processed food item off your own shopping list and see how many more kilos of real food you can come home with for the same amount of money. Don't forget too, to keep an eye out for trees in public areas which are loaded with fruit or nuts. I have used the $15 a week food budget for stretches of up to a year at a time, which means I certainly wasn't relying on stockpiles of food from more extravagant days tiding me over. Necessity breeds creativity, and I am so happy to have been forced early on to examine and separate my wants from my needs in this regard. Even when times are tough, I know I can eat well!

Asking for damaged stock saved a fortune

When shopping for large furniture items, it's well worth asking the furniture retailers if they have any damaged stock. We saved over $400 on our beautiful new dining table. Thanks to putting into practice some hints from Simple Savings, my husband and I found ourselves with enough money saved to spend on a new kitchen/dining table.

We shopped around for a long time. We knew we wanted something big - an eight-seater preferably, with a beautiful wood grain and lots of character. We looked at second hand as well as new, then finally found one we loved. But the price, at $930 was still beyond our budget. We sadly let it go.

Several days later I had a thought and I convinced hubby to go with me back to the shop again. We got talking to a sales person and I decided to be completely honest. 'We love this table but we just can't afford it at that price - can you do a better price?' He did a few calculations but the answer came back 'No'. I said we'd even be willing to consider a damaged table if they had one.

He thought for a minute, and then rang one of the guys out in the warehouse. Sure enough they had the table we wanted, in the eight-seater size, with a scratch on it. He arranged for us to go and look and - we got our beautiful mahogany table, imported from India, for half price (a saving of $465).

We don't mind the scratch at all - in fact, when people admire our gorgeous table (which they do all the time), I proudly point out the scratch to them (which they would probably not even notice otherwise) and tell them the story of how we would never have got the table if it weren't for the scratch!