I am on a very, very low income, so I budget for every bill and expense. I put away bill money every fortnight and that way I have all my bills covered as they arrive, and we seem to just spend the rest. Last year I decided to pay me as a bill, so every pay day I pay me first, just $50. I now have over $1200 in savings. I can't believe how easy it is; just pay yourself before everyone else. The first couple of pays it was an effort not to touch it, but as soon as I saw it mounting up, I got very excited. I tell myself all the time that money is power. While $1200 is not much to some people, to me it's a fortune. Try it - it empowers you.

We had the chance to travel overseas several years ago but had to save $1000 to make it happen. On one income with two small children it seemed impossible. Then I had the brainwave - I didn't have to save $1000, I had to save $1.00 a thousand times! This was so much easier - a generic brand product at the grocery store, a chocolate bar at the petrol station and so on, soon added up and the savings contributed to a great family holiday.

We have saved hundreds of dollars on making our daughters' room cosier! We are living in a rental property which we really like. However, our daughters are in the front bedroom and although it has a window, the room itself it doesn't get a lot of sunshine. This makes the room rather gloomy and feels damp in winter. We have a small heater which we use to try and take the chill off the bedroom before they go to bed but using it makes us feel we're watching money disappear before our eyes!

The perfect alternative would be spend hundreds of dollars on installing a skylight but since we're only renting, this really isn't an option.

A couple of weeks ago, I bought a couple of mirrors for $4 each to stick on the inside of a wardrobe. While I was preparing the area, I put the mirrors on the windowsill and to my astonishment, noticed how much brighter the room was when the sun hit the mirrors and bounced off the ceiling. It was as though I'd switched on a light!

By using those two mirrors and angling them slightly, I was able to bring sunshine and some warmth into the room. I have since purchased two more mirrors to make sure I take full advantage of the entire time that the sun hits the windowsill. The room is heaps brighter and feels more cheerful and warmer. It only cost $16 and it was all done with mirrors!

Our story is a great example of how thinking outside the square has enabled us to get ahead, even through the toughest of trials. My husband is on a disability pension receiving $450 per fortnight and I work 20 hours per fortnight earning $397. I have chosen not to apply for Centrelink benefits due to the numerous requirements. Our uninsured home burnt down 10 years ago leaving us homeless (I went into premature labour and spent six weeks in hospital with complications so I had somewhere to stay but my partner lived in our car with our two dogs for this time). We were at the lowest point ever and could not imagine how we were going to survive. We were advised to go bankrupt, which we did but we were now unable to get finance (in hindsight an absolute blessing) to get another house.

We did what most people do and rented a house in the suburbs thinking this was it for us. After three years of this we decided to look elsewhere and found a house in 'woop woop' which was $6000 (pre-real estate boom). Using my first home owner grant we purchased our house and although it was two hours from anywhere good, it was ours outright. This in itself is a handy hint to look outside of the box - our 'woop woop' town had a doctor, a supermarket and a school so it was fine and we lived there happily for another three years. At this point the real estate boom happened and we sold our house for $48,000 and decided to look outside the box once again. We ended up 2000km away from home in a place two hours from Adelaide. We still live here happily and after four years the value of our property has gone from $35,000 to $95,000 (I swear getting our first home owner grant was like winning the lottery).

But we still couldn't save any money so two years ago I cancelled my fortnightly family tax benefit from Centrelink (approx $200 per fortnight). It was hard - very, very hard for the first eight months but then it was tax time and I was very surprised when I received a tax return of more than $7000 with my lump sum FTB part A and B. We paid our bills and bought a second hand car. This year I paid a little extra tax each week ($10) and was pleasantly surprised by an $8000 tax return. With this we bought a block of land 30 minutes down the road (in a bigger town closer to Adelaide). The value of this block is double what we actually paid! Some people say we were lucky but luck had nothing to do with it - we were just prepared to live in very yucky houses in areas no one wants to live. Three months ago a house in our town sold for $21,000 which is around the same as the first home owner grant now and there are still others which would be around the same price. We don't have sewerage or town water but we have a school and a pub so it was certainly a change in lifestyle.

Other people have asked how we are doing so well now and I just laugh! We are earning $845 per fortnight and I have chosen not to work extra hours so I can still be a stay at home mum to our diabetic 10-year-old. We have private health cover, Internet, insurance, power, phone, petrol expenses ($100 fortnight), rates, medical expenses and even private school fees to pay but we still have enough to go around and often support other people with food, even though they are making much more than us. This year we plan on buying a second hand relocatable house for our block with our tax return. It may be a form of forced savings by not getting a fortnightly benefit but when it comes in it is amazing. Thanks to careful budgeting and Simple Savings we easily survive!

About a year ago my husband and I were having lunch at a seaside cafe when we noticed the people next to us paying their bill with $5 notes. We found out that they were on a trip around Australia and every time they were given a $5 note, they saved it and used it toward their food bill.

Thinking this was much better than saving $2 coins, I started doing the same. As soon as I receive a $5 note in my change, I pop it into my purse and then put it in a money box when I get home. I keep track of how much is in the box by writing the amount in my diary; when I get to $500 I empty the money box, take it to the bank and put the money into a term deposit for a rainy day.

So far I have saved $1435! I never miss the money and most times I go shopping I come home with at least one $5 note!

Why buy lunch? With recipes as good as this, there's no need! I make this egg slice every few days to take to work, and I thought you might like to try it too.

Ingredients:

2 cups vegetables – just about anything will do. Leftover roast vegetables, steamed vegies, wilted salad... even raw stuff like grated carrot or chopped up tomato.

1/2 cup leftover meat, for example, bacon, fish or chicken

4 eggs, beaten

Grated cheese

Method:

Spread the vegetables and meat over the bottom of a greased square baking dish. Pour over the beaten egg, top with grated cheese and bake at 170C for about 30 minutes.

I take a quarter of this slice and some salad to work every day – it's yummy hot or cold. Thanks to the wide variety of vegetables you can use, no two slices are the same. It costs less than a dollar to make and the vegetables and protein keep me going for hours.

I can make hundreds of litres of liquid plant food from just $12 worth of Dynamic Lifter pellets! This will buy a 10kg bag. Just add around four handfuls of pellets to a nine litre bucket of water and let steep for a couple of days, mixing occasionally. When you have a nice 'tea', pour a couple of litres of the liquid, into a nine litre watering can, top up with water and give your garden a drink. Repeat until all the 'tea' is gone, then add more water to the residual at the bottom of the bucket and repeat this process. As the mixture gets weaker, you can use on seedlings, vegetables and more delicate plants such as azaleas and gardenias. The 'weak' mixture can be used as a health tonic or sprayed directly onto the foliage of plants (remember not to spray if the weather is over 20 degrees Celsius, as this will burn the foliage). Once you get to the real weak stuff, simply pour the residual under a tree and water in well.

You can also make hundreds of litres of liquid fertiliser from a 10kg bag of Blood and Bone pellets at an initial cost of approxiamtely $1.20 per kilo. Compared to a litre bottle of liquid plant food (such as Seasol) which costs about $10 and will make just over 300 nine litre buckets (going on the manufacturer's average of 30ml per bucket), your bag will make many hundreds of buckets of first grade solution followed by many more second and third grade 'weak' solutions which are ideal for foliar feeding. A huge saving, which will give you enough fertiliser to last you a whole year or more!

Our family home is always a clean and happy one, thanks to our weekly raffle! With four children aged from 12 down to two, there is always so much to get done, so we started our very own 'family raffle' as an incentive to get the chores done.

A list on the fridge displays all the categories for a raffle ticket. Some examples are - clean bedroom floor, do a load of laundry, give a music recital, finish homework by 5pm, clean the windows, play with the baby and so on. Every time a chore is completed, the child fills in a raffle ticket with their name and the task done. Then, every week at the same time, we pull out the prize winner. They receive a prize from the discount store - some kind of age appropriate toy such as a pack of cards, fancy pencils and so on, to a maximum value of $5.00. The remaining tickets are pulled out and all are given five points each. Every child who has reached 20 points during the week also receives $5.00. We get so much housework completed this way! We deposit the money in the children's bank accounts online and they are encouraged to save it, or can spend it on something special. This really helps when they need to buy a birthday gift for their friends and can even pay for their own outings and movie tickets. I read every chore they complete out loud and the pride in their faces is worth every cent!

My home-made Enjo-style floor mop is a joy to use and cost me just $6.00 compared to the brand name alternative! I had been hearing about the wonders of the Enjo cleaning cloths and mops for some time, but the price tag always stopped me from buying one!

Using a hint from the Vault, I purchased half a metre of quality polar fleece for $6.00 and cut it into eight decent sized cleaning cloths, they worked great. Then I looked at my sad sponge mop. It was in a terrible state and the sponge needed replacing - so I decided to try and make my own Enjo-style mop head!

I took one of the cloths I had cut and stitched some elastic around the edges. I now had a removable mop head, and with a little vinegar and eucalyptus I had a sparkling floor. Now every time I mop the floor, I just rinsed out the cloth, dry and replace!

I am a busy mum of two and my home manual helps my husband and I run our home efficiently, saving money and buying us both precious time to do things for ourselves.
The first section outlines the weekly and daily routines. The daily routine buys me 30 minutes to myself to exercise which makes me feel better throughout the day. My husband can also see when things get done, so he knows what to do if he is letting me have a sleep.
I let the girls watch TV until 9am so that I can complete a chore (clean the bathroom, dusting etc) each day. This helps me keep the house clean and tidy, and then I have the rest of the day to play with my children.
The next section covers dinners for the month. I have a weekly list of which dinners we will have and where to find the recipes for them. This saves time deciding what to have plus hubby or anyone who comes to stay can cook too.
The next section is shopping and supplies. I write all the ingredients needed for the month so I know exactly what I need. I keep catalogues in this section so when it’s shopping time I know where to get the specials.
I also asked for a floor layout plan of my supermarket so I don't need to walk down the aisles I don't need anything from. This saves time (especially when shopping with two young children) and money as I am not tempted by things in those aisles.
I also have a maintenance section with dates when items need maintenance done on them, eg. an oil change for the car. This means everything can be budgeted for and planned and it also helps prevent unexpected expenses, like changing gas bottles.
There is also a budget section of the manual which contains the monthly, weekly and annual budgets in it. We write down everything we spend in this section, so we can see where the extra dollars are spent!
Finally, I have an important numbers section such as insurance companies, medical centre etc so that everyone (including people who are staying) can get to them easily.
The manual doesn't always bring dollar savings, but its our way of making sure we don't waste time doing everyday household things so we maximise our family and down time.