Protect your personal wallet contents for just a few cents. Just go to your local library and empty your wallet or purse on to the photo copier (license, cards, Medicare - everything!) and make a copy. It can save you hours of worry and extra money should your wallet get lost or stolen. You will have all the numbers and information you need for reference handy - not with the thief!

Through my job working at one of the major supermarkets, I have learned all kinds of tips and tricks to save money! Next time you visit a supermarket, bear the following in mind:

• You can save up to 50% on Sara Lee products by buying our house brand bakery items instead - they are made by exactly the same company.

• The meat is no longer as good quality and has gone up slightly in price. I would suggest going to a butcher instead and paying less for better quality.

• In-store baked items are marked down from 40-80% two days before their use-by date (this does not include bread or donuts)

• Buy bulk and buy less often. For example, if you drink coffee, wait until the BIG tins are on special and buy three or four. This will last you for ages and save you $40 and upwards on coffee alone in the long run!

• If an item seems a bit sparse towards the end of the week, chances are there is actually heaps out the back and it is going on special on the Monday, so wait to make your purchase then if possible.

• For those living alone, take another look at those frozen meals. They may look expensive at first glance at between $4 and $6 but then go and price the meat and all the vegetables. Remember also to take into account how much you have to throw out after a few days through not using them!

• If you want to see who makes what, look at the back of the pack to see which company owns it. Visit the Australian Stock Exchange (ASX) website and find out which other 'mini-companies' it has under its belt. They often compete with their own brands!

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.

I saved the price of an expensive handbag organiser by using three $2 pencil cases instead. I have two handbags that I swap depending on whether I am working or with the kids, and always found it a pain to transfer essential items like my wallet and make-up and to quickly find what I need in a big bag. Now my colour coded pencil cases make it easy! The green one holds my full make-up, for the days I have to dash off and do make-up on the train. This stays at home when I'm not in a hurry. The black one holds pens, business cards, USB sticks and so on, and the blue one holds lip gloss, band-aids, paracetamol and post it notes. My items are now easy to swap between bags and I don't have to dig around for smaller items. All for $6.00 and a hunt through the bargain bin at Officeworks!

I have saved heaps by no longer buying expensive cleaning products. To clean my toilet, bath or shower, I quickly wet the area and let most of the water drain away. I then sprinkle the whole area with bicarbonate soda, using a small shaker (you can get them at Kmart for a few dollars). I then spray it with cheap white vinegar in a spray bottle. There is a slight chemical reaction that dissolves all the mould and dirt. Leave it for a few minutes to work. You still have to scrub a little and you may need to re-do any heavily soiled areas. It also works for benchtops and sinks, it's a cheap alternative to chemicals and good for the environment too.

A friend gave me some great advice that is saving me a fortune.
 
She gave me a lovely crocheted brooch for my birthday, adding that her policy is to only give gifts that are recycled or made at home. I have embraced this policy, and proudly share it whenever possible. Not only am I saving huge amounts of money, but I am also re-using resources in an ecologically friendly way. Another benefit is that I am embracing my creative side to come up with so many ideas e.g. crafts, baking, gardening, knitting and so on.
 
My ideas come from library books and most of the materials from Op shops and friends' abandoned projects. I have got some amazing projects ready for Christmas e.g. three sad rag dollies rescued from the Hospice for $2.00 are now fresh and bright with smart buttons and ribbons, and will be loved for many years by my three girls. One daughter will have fab roller skates too – just $10 from a church sale, snazzed up with fluoro laces and personalised with a name charm.
 
Rather than feeling reluctant to buy second hand gifts, I am now always scouting for the perfect gift. I feel my policy is one that embraces our present cultural climate of economic thrift and resourcefulness. I have also rediscovered the joy of home craft and am now sharing these skills with my children, as my Mum did with me.

Follow Jamie Oliver's example and make your own chicken nuggets - it's healthier and cheaper! We used to buy the cheap brands of chicken nuggets but after realising how much of their content was fat/skin/fillers and other unmentionables, we switched to only buying breast nuggets or pieces. However, this soon proved really expensive and they often still have fillers. So I came up with a better way and found this home-made version is much tastier too!

Buy chicken breast fillets or tenderloins on special - I usually get them for between $9 and $10 a kilo. If using breast fillets, slice them into smaller and thinner pieces. Remove the tenderloin as one piece, then fillet the chicken into similar sized bits. Dip them in melted butter, then roll in breadcrumbs (press on firmly). I often use hot and spicy breadcrumbs, or stuffing mixes to add more flavour to the crumbs, but you can just use leftover stale bread crumbed in the food processor and save even more money! Layer the chicken in baking paper, then cover in plastic and freeze until frozen. Remove and separate into ziplock bags or suitable storage container.

When ready to cook, place in preheated oven and bake at approximately 200°C for half an hour, depending on the size of the pieces. Small boxes of prepared commercial fillet pieces/tenderloins cost approximately $7.00 for as little as 400g. In comparison, a one-kilo batch for $10 makes at least three times that amount - and without any junk fillers, additives and skin!

I no longer use disposable cloths to wash the dishes and wipe down benches.
 
I recently bought two bulk packets of face cloths, giving me eight cloths. Each cloth is the perfect size and thickness for washing dishes and wiping down benches. I use a cloth for a day or two and then throw it into the wash with the tea towels.
 
I have been reusing the same cloths for over a year – just think of the savings now that I'm not buying disposable kitchen cloths every month!

Over the past four years I have been fighting my way out of debt. I was left with a large amount of debt when my marriage ended and it seemed I would never find a way out, working nights to support myself and five children and trying to reduce the debt in some way. Then, instead of just reading Simple Savings I began implementing as much of it as I could. Along the way I found that things I previously thought were impossible are just every day now!

Two of my children have now left home and are independent and I have three daughters still living with me. I have found new ways to feed them and where once they would have baulked if I offered them home-made soup after school, they now eat it with relish. A home-made frappe was dessert last night and they were happy and satisfied with that. Fruit jellies, home-made scrolls and calzone along with the batch of cake and muffins or bikkies I make are average snacks and lunches. School lunch today was home-made soup with home-made pizza scrolls. It certainly took a while to change their views from believing that everything had to be store bought and chips were the afternoon snack.

I am now debt free and have savings - something I never thought I would have! Bulk toilet paper, bulk washing powder, skim milk powder, and bulk meat buys at a discount butcher and fruit from the growers has saved me a small fortune.

I recently moved in with my partner to his home with the girls and together we have been able to make more and more changes which once would have not been thought possible but with small steps we have cut out television unless it is a special documentary or one of the two shows per week we deem suitable. The girls now play outside or garden, or read and do homework after school instead of being glued to the 'box' and they haven't asked to play Nintendo for weeks now. Water or weak cordial is the staple drink, with the occasional juice for a treat.

I am now a stay at home mum and as long as I can feed this family, pay for petrol in my car and keep the girls clothed for under $500 per fortnight it will stay that way. I am working hard to make sure these dreams come true.

In reality there is no sacrifice - you just need to know what you want and aim for it every day.

We no longer spend up to $5.00 on a birthday card. Now we spend $0.15c at the very most!

All we do is take a photo of the family holding up a sign that reads 'Happy Birthday'. I have had a pile of them printed off and we simply write a personalised message on the back of each photo.

This great idea can be used on any occasion, including Christmas. So say cheese and save bread!