Simple Savings has become a way of life. I don't have to think about saving or spending now - it just comes naturally. In the past five and a half years, we have managed to pay a whopping $150,000 (principal) plus interest off our mortgage and still live happily and comfortably. This is all due to Simple Savings.

My husband and I have three young children and our combined income is only average, ranging between $50,000 - $70,000 per year. Readers may think 'I could never do that, I would have to go without too much' or 'that's impossible', but this is not true. We don't go without; in fact we feel we do pretty well! I cannot name just one single thing that has helped us to achieve this and still be happy - it is a multitude of tips and hints, all of which can be found on your site. I have always been a Simple Saver, so for me this was not hard, but my husband found not being able to spend money willy-nilly difficult at first. These days, I am proud to say he thinks before he spends and at times even proudly tells me of his smart purchase or why he didn't purchase!

I could go on and on giving examples on how to do what we have done, where we saved money and how we used it more wisely, but that would make a book and to be honest all people have to do is log on to your site, it's all there. Focus on your goals, walk hand in hand with Simple Savings and your dreams can come true.

My husband is self-employed and over Christmas and New Year we were waiting on a payment that had been due in November. I had not done any shopping for over a month, and we felt like there was nothing in our pantry, especially my five kids who repeatedly moaned ' there's nothing in here!’

Of course, that wasn't the case. It's amazing what you have stashed away in containers or hiding at the back of each shelf. On a closer inspection, we found dried beans and lentils, flour, sugar, cous cous, rice and lots of other bits and pieces.

We managed to feed our family of seven on the 'nothing' in our pantry for another two weeks. We are lucky enough to keep chickens, and have a very basic vegetable garden, so all I really needed to purchase was milk. We made pancakes, pikelets and scones, and even a chocolate cake with the cocoa we found - these snacks kept the kids, and hubby, very happy!

We survived until our very overdue payment finally arrived. We have now decided that we will eat the cupboard clean every month, as this encourages us to save money by using what we already have and by not allowing things to go out of date.

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!

For an outlay of $65 I purchased chemical-free ingredients to make shampoo, baby bubble bath, moisturiser, hand wash and washing liquid. I made 500ml shampoo, a litre of washing liquid, a litre of hand wash, a litre of beautiful light moisturiser and 500ml baby shampoo and bubble bath. All I added were essential oils and water to the ingredients and I still have enough ingredients to make several more litres of any product.

My next outlay for a further $50 was for packaging; containers and tubes to make shampoos, moisturisers and lip balms for Christmas gifts. I have saved myself a small fortune. There are several good websites offering these products, however, I found 'Aussie Soap Supplies' the best, which offers recipes as well. http://www.aussiesoapsupplies.com.au/

I live with my husband and 4 year old twin boys in a unit and we discovered Simple Savings at a time that was very difficult in the life of our family. I wanted to share a bit of our journey that led to saving money and an improvement of our quality of life.

When I discovered Simple Savings my husband was a self employed contractor who was in between jobs and our income became more limited as I work part time and we have many fixed expenses including a large mortgage and preschool fees.

We were feeling very stressed emotionally as well and finding daily living difficult to manage. I pored over the Savings Vault and found a wealth of information so assist us in reducing our expenses. As we were feeling quite vulnerable and finding change a struggle we picked one tip a week to research or implement and we started with the simplest first so we could experience enough success to motivate us to continue.

So the first week my husband put his razor in a small glass of olive oil (to prevent rust and make the blade last longer). Then we replaced our fabric softner with 1/4 cup of vinegar and put vinegar in a pump spray pack to clean our benches. We also used vinegar to clean our floors. As we "succeeded" we began to feel better about life as we were exercising the control we could to improve our situation and it felt creative.

We also:

Researched car/house/contents insurance for the best deal

Started to shop at Aldi regularly, knowing from other Simple Savings users which were the best value products

We found a wholesale butcher (Elvy's Wholesale Meats 2/19 Norman St, Peakhurst tel: 9153 6656)

We started cleaning our dishwasher with citric acid

We gave homemade gingerbread houses and biscuits as Christmas gifts

Our children made gift wrap (painted and glittered) from a roll of butchers paper bought for $10 at IKEA which is very personal and inexpensive.

We joined 3 different DVD clubs and got a free month from each before cancelling which gave us great free entertainment over the Christmas months.

We found websites for children's activites, and a recipe for homemade playdoh that we love and have given to other children as gifts.

We also bought $8 worth of alphabet and flower beads and bracelet elastic from The Reject Shop and made 13 name bracelets for preschool teachers and friends. My boys really knew the joy of giving something that they had helped choose and make. The recipients were joyous at the personal nature of the gift.

I now make my own bath products for our family and for gifts from the recipes and websites reccommended by Simple Savings subscribers.

We are adding to our life routine regularly and we are loving our life. This week I have taken my first week of unpaid leave from work to be with my cherubs during the school holidays and it is such a priceless and precious gift.

I really appreciate the invaluable life tools that I have gained from your website and value sharing this way of life with my children. And I encourage the overwhelmed to add one tip a week to your life...they all add up to big change.

Keep glass showers sparkling clean for months at a time by using baby oil. First, clean the glass on the inside of the shower well, then dry off. Next, take a soft cloth and smear a small amount of baby oil. I stress a SMALL amount to ensure no oil runs down to the base of the shower, creating a potential hazard. Pay extra attention to wiping the edges and bottom of the glass. Once you have done this, the glass will look smeary and quite awful really - until you have the next shower! The hot water heats the oil and smooths it out on the glass. I have never had the problem of any oil running down onto the floor, even after heating it. You'll find a very small amount goes a very long way. Basically, the soap scum cannot attach itself to the glass, which stays clean and clear for at least three months at a time. By needing to re-apply the baby oil only every few months, this adds up to a huge saving in expensive bathroom cleaners!

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!

A fantastic and unique gift for under $25 is the 'Useful Box'. It makes an ideal Christmas gift but can be used for any occasion. Basically this comprises of a pretty box which contains lots of those little useful things everyone needs but doesn't always have in one place; such as extra pens, string, Blu-Tac and so on - all the sort of things you want now and again but don't usually have on hand when you need them!

By buying all the supplies at the supermarket and a beautiful gift box at a discount store to present them in, I was able to create an entire Useful Box for just under $25, but you could make it even cheaper depending on where you purchase your supplies. To make it extra special, I wrote a little poem to go with the package! Here is a breakdown of the items I bought and their prices:

Bag of rubber bands - $0.69c
Self-contained sewing kit - $3.98
2-hole pencil sharpener - $0.79c
Paperclips - $0.59c
2-pack of stickytape - $1.19
5-pack of blue pens - $1.99
3-pack of 2B pencils - $1.29
2-pack of erasers - $0.55c
Post-it notes - $0.99c
Permanent marker - $0.83c
Blu-Tac - $1.80
String - $1.99
4-pack of AA batteries - $4.07
Gift box to put it all in - $4.00

TOTAL - $24.75

Other things that might be useful to add include fridge magnets, staples and safety pins. I do recommend keeping everything in its original packaging, to avoid people being stabbed by pins or the erasers getting grubby. Just pop everything in the gift box (including the poem if you wish) and either wrap the box itself up, or simply tie it securely with ribbon.

I printed my poem out and taped it to the underside of the gift box lid, then wrote in the card 'be sure to look under the lid!' You are welcome to use the poem below to make your own 'Useful Box'.

'The Useful Box'

I am a box of useful things,
Gathered from across the land.
Inside me find those things you need
But do not always have on hand.

Next time you scratch your head and think
'I wish I had some Post-it notes'
Just open up my lid and find
The very thing you needed most.

When pencils break or pens run out,
When sticky tape just disappears,
When batteries fail or string is needed,
Let this box allay your fears.

So use me as your Useful Box,
And if you wish please add to me
Those things you like to have on hand
So wanting you need never be!

These bath bombs are great to give as gifts or to pamper yourself with! This recipe should give you at least four to five good sized 'bombs' and cost as little as $1.00 to make. All you need are the following:

1 1/2 cups bicarb soda

1/2 cup citric acid

Scent or fragrance of your choice (you can use essential oils if you have them)

Food colouring of your choice

Sweet almond oil or any cooking type oil

Flower petals if desired

NOTE: Make sure everything is dry. Even the smallest hint of moisture will make the ingredients fizz.

Sift the bicarb and citric acid into a large bowl, add petals if desired then divide mix into four separate batches.

In another bowl, mix one tablespoon of oil, enough fragrance to suit you and enough food colouring to get the desired colour. Mix well. This mix is enough for one of your small batches of dry mix.

Add the colour and fragrance mix to a batch of dry mix and mix in with fingers very quickly, making sure that it does not fizz. Mix well to make sure the colour and fragrance are distributed evenly.

Press firmly into lightly oiled moulds. You can use just about anything as a mould. Try using the plastic lid from a can of hairspray or jelly moulds if you have some. You can buy bath bomb moulds from some craft shops. Make sure that you press the mix firmly into the mould, otherwise it will crumble.

Leave in a dry spot for about 24 hours, then gently press them out and enjoy!

As part of my $21 Challenge to use all the food in the pantry, I have set up a 'use up soon' basket containing items getting close to their use-by date. This way, I will remember to use things before I have to throw them out.