My husband and I have began saving up to $30 per week on our grocery bill since we invented 'Grandma's Day!' When we go to the supermarket we ask ourselves, 'would Grandma have been able to buy this item in her day 60+ years ago?' If the answer is no, then we decide we don't need to buy it either! This saves us money on a whole range of items such as fancy dips, designer coffees and biscuits. We used to pay over $3 for a pack of 10 biscuits, now I can make 12 biscuits for around $1. Using plain yoghurt as a base we are even making our own dips; there are so many websites with great dip ideas. Now we are saving valuable money and our waistlines too!

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.

One year a friend gave me a money tin and on the side of it was printed, 'If you fill this tin with only gold coins by the time it's full you will have at least $500'. It really didn't look big enough to hold that amount of money, but I love a challenge so I decided to find out if it could!

We started in March and any gold coins we had went into the tin. Our goal was to open the tin at Christmas and use it to pay off lay-bys plus have some spending money over the Christmas break.

November rolled around and the tin wasn't quite full. However, when we opened it up and counted our 'gold' we were very surprised and extremely happy to discover we had collected $700 in our little tin!

Because of that little treasure chest of gold we enjoyed a fantastic stress-free Christmas! I was able to pay for all the presents for our immediate and extended family as well as cater for a great Christmas day feast, AND we had spending money left over for the holidays.

Now it's a family tradition. My sceptical husband happily donates all his gold coins to the tin and my 12-year-old will go hunting for gold coins just to add them to the collection! I know that I don't have to worry about the financial strain of Christmas any more as my tin has got it covered.

I have found a low-cost wedding gift that will last throughout any marriage. While it does not cost much, each part of the gift has meaning and it is great to give a close family member or friend. You will need to put together a nice bunch of candles, in pairs of the following colours: white, green, dark blue, pink, cream, red, purple, light blue and silver.

Wrap the candles up with a ribbon or put them in a decorative box or basket, with the following poem attached (author unknown):

A basket of candles that come in a pair
In all different colours, for you two to share
The white ones burn first
They are wrapped in white lace
To celebrate your first married night
In your new chosen place.
The green pair is taller, and also much thinner
Burn with the first company you have over for dinner
The dark blue candles are for after your first fight
Use them to burn while making up all night
Pink candles set the mood and pave the way
For your first married Valentine's Day
Now, when your first year of marriage is through
the cream anniversary pair will light for you two.
Red candles aflame, both your futures are bright
Celebrate promotions you've worked toward with all of your might.
By this time we hope, maybe, just maybe
You can light the purple ones, on the birth of your baby.
And just when you thought you'd put these away
Take the light blue ones out for your fifth anniversary day.
Now just one more pair left for the big 25
The anniversary pair that will keep your love alive.
Congratulations Bride and Groom (insert name here)
On the start of your forever
May the two of you always be happy together
And burn these candles
Just the way we said
But please don't forget - blow them out before bed!

I moved to Perth a couple of years ago with very few possessions, two young children and a dog. I stayed with friends for a couple of weeks and really liked the area they lived in.

I set my rent limit to $150 (cheap for city living - but necessary for the budget) and put my name down on the huge waiting list for government housing. I looked at many places - most out of financial reach. The ones I could afford looked (and smelled) bad. I decided I could 'change' the appearance and the smells - but not the budget.

So, I rented the 'worst house in the best street'. I went through a real estate agent and asked if I could meet with the owner. When he came around (which most don't do regularly with managed properties), he was the first to admit the place needed work (mostly cosmetic).

I suggested to him that I would spruce the place up a bit and in return my rent would not go up while I lived there, plus we agreed that I would be entitled to two weeks rent free over Christmas!

I have painted the entire inside of the house for about $200 (including feature walls, and old laminated cupboards) by buying mis-tinted paints and laybying paint specials. I ripped up the old carpets and polished the floor boards (about $150 in equipment hire and food for my 'helpers') I also got second hand carpet for free from the local paper and replaced the old stuff in the kids bedrooms. I got curtains and blinds from the op-shop and sale tables (about $50 in total)

As for the outside - my place looks better than most of the privately owned homes now! A few boxes of lawn seed (about $3.00 from supermarkets), a bit of hand watering and weed pulling and I have a great front lawn.

I built flower beds with bulk seedlings ($0.45c per punnet from the local nursery - discontinued or 'sick' stock). People in the street are always telling me how great the house looks and they can't believe its the same place!

I work and go to university, as well as look after my children - so all this has been achieved over the last two years. My landlord is happy, we are happy and the money I save weekly in rent (between $50 - $60 per week) allows us to go on holidays once a year and have a few extras!

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.

My kids love doing things on Saturdays but even a trip to the movies for our family costs $70. So I invented '$20 Saturday'. We could go anywhere and do anything as long as it didn't cost more than $20 for the whole day. One Saturday each month we would find a spot in the street directory that looked interesting and take a picnic, other times we visited free places such as museums or community festivals and the $20 bought a drink, small snack or ice cream. Not every place was terrific but we gave each place or activity a score to rate whether we would like to do it again. My boys talk fondly of things we did together and places we visited on $20 Saturdays and they learn that you don't have to spend up big to have fun.

I use a simple principle every day, which helps me save money in all areas of my life. I try to reduce my use or consumption of what I normally do by 10%. The rewards are enormous. For example, if you spend $200 a week on groceries, try reducing it by $20 over 52 weeks and straight away you have $1040 extra in your pocket. You and your family won't even notice the difference, as it equates to less than $3.00 a day!

If you apply this principle to all areas of your life - petrol, electricity, phone calls and so on, the savings are huge even though the sacrifice is not even felt. It not only saves money but also the planet by reducing your overall consumption. Once I achieve this 10% reduction, I do it all over again! Every quarter after the electricity bill comes in, I then set myself the 10% goal anew to keep myself on track and to challenge myself to reduce further. This means the $180 grocery bill then reduces by a further $18 a week and so it goes on. I have done this only to a point where it is comfortable and achievable. Because it is baby steps it is easy and fun and not painful! We have saved hundreds, if not thousands, in the last year or two and are not feeling so pressured by the mortgage rate rises. Best of all is that we haven't noticed any difference to our lifestyle.

Here's a great way to save heaps of money on popcorn.
 
I buy a packet of 200 Home Brand paper bags for about $3.00 from Woolworths and a 500g bag of No Frills popcorn kernels for $1.16 from Franklins. I smear some butter in the bottom of a bag and pour in about 100g of kernels. I then seal off the top of the bag by folding it over twice.
 
I set the microwave to cook on High for about three minutes but I always listen closely because the time it takes the kernels to pop depends on how much I have placed in the bag. When the frequency of the 'pops' slows to about three to five per second, I stop the microwave and let the remaining kernels stop popping before removing the bag from the microwave and adding salt.
 
For a healthier version, I simply cut out the butter and salt. I sometimes add chilli flakes or chicken salt, however, there's lots of room to experiment with a variety of flavours. Each bag of popcorn works out to about $0.25c per serve, a huge saving on the ready-made variety at the supermarket.