We have been growing our own vegies, with quite some success, however we had a problem with white butterflies laying their eggs and producing green caterpillars which would attack our precious crop! I had heard that these butterflies were territorial so I came up with a brilliant solution to our problem. I made replica white butterflies,(out of waterproof ice-cream container lids) that were the same size as the real ones I then skewered them onto bamboo sticks and placed them in amongst my vegetables. Result: No more butterflies! It really works- I've watched them whilst having my tea break. As they fly over our garden they see there are already several there in our veggie patch, so they fly on over to the neighbours gardens! It sure is a cheaper and more environmentally-friendly solution than any other pest control I've heard of!

My husband and I have become '30 Day Gourmets' and enjoy both the savings and the extra time we spend together as a result! We recently looked into 'Once a Month Cooking', which we were interested in because neither of us really enjoys cooking tea when all we really feel like doing is relaxing after being at work.

After gathering ideas of how the scheme works (literally - you cook once a month!), we thought we would try it by cooking for a fortnight first. We gathered recipes from the Internet and raided the recipe books (the recipe must be able to be frozen) and came up with such things as marinated chicken, curried sausages, spaghetti sauce, apricot chicken and all kinds of things.

We then picked a Sunday, turned up the stereo and did nothing but cook! It turned out to be a really enjoyable day. Once cooked and cooled, the food is put into freezer bags or takeaway containers (which cost almost nothing) and frozen. What we thought would last two weeks actually lasted three!

Each night, I would take out a container or bag for the next night and leave to defrost in the fridge. We then dragged out the steamer, threw in all the vegetables and once a week cooked up a big pot of rice. We would then have a small portion of meat (which also lowers fat-intake levels), have a pile of yummy steamed vegies and a little rice - the result being full bellies, smiling faces and very minimal washing up!

This not only saved us money but also time. Usually groceries cost us $150 for two weeks. With the cost of buying meat and grocery items needed for the cook-up ($100) and in-between buyings of vegetables once a week ($10), we spent a total of $130 when we would have spent over $150. (This is because at each shop we would grab things we liked, but didn't really need). Having a selection of meals already cooked for the weeks ahead feels great!

At first a big cook-up seems difficult if you aren't motivated, but you can start small and next time you are cooking something that would freeze well, cook double or triple the recipe and freeze excess. I also went to the local library and got out some books on freezer cooking which also had suitable recipes in them.

My husband and I honestly can't believe how we survived before our cook-ups and love the idea of actually doing things we want to each night, rather than being a slave to the kitchen!

NB - A book from the library which was a big help in planning recipes was 'The Freezer Cooking Manual from 30 Day Gourmet'. The '30 Day Gourmet' book is available on eBay and from most bookstores.

Renovations need not cost the earth. We just bought our first home and it had a hideous old kitchen with brown contact, broken stove elements and musty cupboards that had seen better days. We wanted a new kitchen but it was going to cost $4000. It was money we didn't have, so I used my brain instead and renovated our entire kitchen for under $100.

I bought:
Two bottles of oven cleaner at $3.99.
One second hand element from the dump for FREE!
Two tins of paint from Kmart for $17.99 and $36.99
Curtains that were faulty and discounted to $20 for two pairs.

I stripped off all the contact, cleaned the cupboards and painted the inside with flat acrylic paint. They are now white and clean inside. Then I cleaned the oven and fitted the element from the dump. It looks great. Now the oven will do us until we get that mortgage out of the way! I then removed the cupboard doors and gave them a coat of enamel paint. I took the door handles off, cleaned them with oven cleaner and refitted them - they came up like brand new! Finally I hung my bargain curtains and my new fresh, white kitchen looks lovely.

My husband was very impressed. All it took me was two days work and $82.96 of supplies. Best of all,I saved $3900 on a new kitchen.

School holidays are more affordable with the help of the $21 Challenge! Money seems to slip away so effortlessly while out having fun with my teenage kids. Budgeting is something I am trying to teach them about but it is hard to make it relevant sometimes. Then I had a great idea that would make them pro-active with the weekly budget over the holidays, without me being a 'budget nag'.

It is the $21 Challenge week, with a twist. THEY have to go and log all the food in the freezer and pantry, and make up the meal plan for the week. Then all the money THEY save us for the week can go towards some guilt-free fun. It's a great incentive and my kids are learning important household skills.

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!

No more dashing to the shops to grab something for dinner when the cupboards are bare! I have discovered a great website to help make the best use of the food you already have in your fridge and pantry cupboard. It is (www.cookingbynumbers.com)

It gives you a list of ingredients and you tick what foodstuffs you have at home on the list, then it comes up with a range of recipes using those ingredients. It is amazing just how much you can make with what is already available to you! It saves on wastage and on buying extra ingredients.

My husband was dying of lung cancer. He wanted his ashes scattered at sea and, being a practical man, discussed other details. He did not think much of church services and a eulogy delivered by a person he did not know.

He died in my arms at home and the next morning he was picked up by Sommerville Funerals. (Most people are unaware that they may have some time with their loved one before the body is collected.) A private cremation was arranged and I collected my husband's ashes for his 'celebration of life' at our home. All our friends arrived, charged their glasses, sat or stood on our front lawn and listened to his story that I had written a few days before. We played his favourite music and people stayed all day. My husband loved a great party and this was no exception. Everyone said this was the best service they had ever attended and they were going to do the same.

Incidentally, the only cost was the private cremation fee. Nothing like some of the very high fees I was quoted.

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.

I have turned my love of a good bargain into something far more valuable! Whenever I am tempted to buy something I could possibly do without, I first calculate how much we would save by paying that money into our mortgage instead. For example, I recently saw a new dress on sale for $49.99 - a bargain, right? However, I paid a quick visit to a mortgage calculator website and discovered that if I didn't buy the dress and put that money onto our mortgage instead, it would take a whole month off the loan term and save us $334.39c in interest. In other words, my 'bargain' dress would really cost me over $300!

Looking at my purchases this way has become a really easy and effective way to curb my spending habit. Now I carry a piece of paper in my wallet with various prices on and I can see how much I would really be spending. It's amazing how much stronger my willpower becomes when I check my piece of paper before buying something and find out what its real cost is!

Our wonderful daughter is a saver on the grandest scale. At 29 years old and earning a modest wage, she is building her first mortgage free home on five acres; as well as flying out to Bali for a holiday! She has had several serious health problems but is amazing in her efforts to follow her plan, thanks to the support of her equally admirable husband. Their two horses and two dogs are greatly loved and their lifestyle is totally free of unnecessary expenditure. They own their block of land, furniture and vehicles as they need them to drive to work.

To save rent while rebuilding they bought a duplex then removed junk, scrubbed, painted and renovated by finding the best way to build fences, roof a pergola and fix the faults. Meanwhile they have fenced their own block of land, installed gates, had a bore sunk, built open stables themselves with salvaged material and negotiated the big expenses of shed, driveway and site costs.

They are not without experience as she purchased her first property at 19, a unit which she and her father gutted and renovated. Her husband joined in and renovated a property, then they renovated a joint property before they purchased five acres, built a house and developed it for resale so that they could buy their current land. Recycling has included rescuing old baths for horse water troughs, finding a kitchen sink for a fish cleaning bench and rebuilding an old horse float. They planted and watered tube stock trees, had family members grow cuttings and even used the horses to mow the lawns. In fact one horse was purchased for the knacker's fee and the other was free.

No, she hasn't benefitted from a first home buyer's grant as she was too young at the time of her first unit, or from family gifts. Just planning, following her dream and sticking to the budget. It works!