For a super, low-cost, personal and heartfelt gift, why not give someone a Happy Bag? All you need is a plastic 'loot bag' such as those given away at children's birthday parties, and fill with the following:

*An eraser - so that you can make your mistakes disappear.

*Five cents - so you can never say that you're broke.

*A marble - in case someone says you've lost yours.

*A rubber band - to stretch yourself beyond your limits.

*A piece of string - to tie yourself together when things fall apart.

*A bear hug (cut out teddy bear picture or motif) - to remind you that someone cares.

We have saved over $150 in seeds alone this past year. Instead of paying up to $5.00 for packets of seeds which may or may not sprout, we have started grabbing packets of seeds from the herb sections of Woolworths, Coles and IGA. Most mustard, coriander, fennel, cardamom or celery whole seeds that you get as a spice for cooking will sprout for you in your garden. These normally cost around $1.05 per packet and you will get a lot more seeds than if you bought them from a gardening shop. We also get the full dried peas (not freeze dried) from the soup section and have planted these successfully for three years now. They give us the sweetest sugar snap peas ever! A packet normally costs $1.53 and you get close to 100 seeds. In comparison to buy 'packet' seeds it would cost you over $12.

We also cut the ends off shallots and replant them, it takes about three weeks before they start to recover, but then you have an endless harvest of shallot leaves to use in salads. We do the same with old onions that have hidden themselves away in our cupboards and have sprouted. Plant them in your garden, let them go to seed and you will have a great seed stock for the next few years. No need to buy more!

Garlic can be done in the same way. Grab a clove and plant it flat end into the ground. After about four months you will get a great bulb of garlic from your original clove. Be aware that garlic from China or Mexico has been treated with Bromide (cancer causing agent) so only use Australian grown garlic.

Old potatoes and sweet potatoes that start sprouting can be replanted and will give a good yield. Just cut a 3cm piece around the sprouting part of the potato and plant it, from one potato alone you could get up to seven new plants.

Pumpkin, cucumber, capsicum and other vegetable seeds can be cleaned, dried and then planted out to give you more seed stock to play with. Try planting two different types of pumpkins near each other and you might get a hybrid created which tastes great. Our family had a butternut mix with a jap pumpkin and it was the sweetest tasting pumpkin we'd ever tried. We also let one or two of each vegetable go to seed so that next years planting will cost us even less. Our goal is to go totally self sufficient in the garden. So far we have an abundance of butter lettuce, silverbeet, rocket, mint, corn, tomatoes and sugar snap peas all from previously saved seeds.

Last Christmas, instead of buying everyone gifts, I bought some small gift boxes for $2.00 each at cheap stores and baked mini puddings and mini rum balls (I made heaps from one recipe), which I put in the boxes. I then tied them with a length of curling ribbon to make them look attractive. Everyone loved the goodies inside, and the maximum cost was $20 for at least six boxes.

I will definitely be doing this again this year. It will probably become a tradition - and why not?

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!

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.

My husband and I have set a goal to pay off our mortgage within five years. We have a way to go, but keeping this goal in mind has helped us to curb our spending.

I worked out that any amount I put on our mortgage is actually worth five times that amount due to the saving in interest. So when I am thinking about spending $20 on a top, I multiply this amount by five and realise that I do not want to spend $100 on a $20 top! That $20 would be much better invested if it was put into our mortgage.

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!

Skint but stylish. That's how I like to think of my lifestyle, because it is such fun to live on the smell of an oily rag without anyone else knowing! Eighteen months ago, although in recovery from depression, I found myself many thousands of dollars in debt and with several accounts having been sent to collection agencies. I was also 31kg overweight and at risk of cardiovascular disease and Type 2 diabetes. The excess weight (not to mention the stress!) was also making my arthritis worse. I was no longer able to work in my former profession and, as I was in my early sixties, I wasn't able to find other work and was on Centrelink (Social Security) benefits. I have since been transferred to the Age Pension. I knew I had to make some drastic changes, and pretty darn quickly too! I had just a few things going for me:

• My Visa card was a debit, not credit, card.

• My account was with a credit union, rather than a bank, and fees are much less.

• I was knowledgeable about nutrition.

• I was willing to face unpalatable facts about myself and make lifestyle changes.

With this small armoury, I prepared to do battle! The first thing I did was to sit down with all the paperwork, and list all the accounts, personal loans and the total. I nearly had a heart attack right there and then, but with the information, I was able to draw up a projected payments schedule. I contacted all the collection agencies and told them how much I proposed to pay each fortnight until all were paid. I did the same with private lenders. Nobody turned my proposal down; it really is true that, if you get in contact and show willingness, most lenders will give you time to pay. They would rather have their money than you in jail!

Step 2 was to organise payment of my electricity account by direct debit from my pension - what you never have, you never miss. Once the phone bill was paid off and reconnected, I did the same with that too. In all, my debt reduction program was going to be about $200 per fortnight, or roughly 34% of my pension and Centrelink allowances. Since my rent costs another 34%, the remaining 32% had to stretch to cover food, cleaning materials, clothing, pharmacy costs over the pharmacy allowance, fares for trips outside walking distance, presents, postage, life insurance and credit union fees (direct debit from my credit union account), occasional small charitable donations and the occasional small treat.

Step 3 was to go on to a sensible eating program (not a fad diet) that would help me to lose weight, bring my blood glucose and serum cholesterol levels into the normal range. A low GI, high carbohydrate, moderate protein, low-fat pattern fitted the bill in all respects. The challenge was: could I do it on $50-$75 per fortnight? The answer is yes! I make my own wholemeal bread, soups, skim milk yoghurt and lots of interesting dishes from many countries, based on grains and vegetable proteins, and stock up on tinned oily fish for essential fatty acids when on special. I have red meat and poultry only once or twice a fortnight and the rest of the time my proteins are derived from legumes, eggs and low-fat cheeses. It's just as well that I like oats! I drink two litres of water a day and make my own herbal teas from homegrown herbs. I don't buy soft drinks and buy leaf tea rather than tea bags, as it's better value per unit serving. I find whole fruit better all round than juice as a rule.

Step 4 was to get mobile! I walk, because I can't afford gym membership, and walking can be done by those who can't jog. Being out in the open air blows away the blues too. Having won a free pedometer, I wear it and try to reach 10,000 paces a day. I also started a vegetable garden and this saves me money where it counts, on vegetables, as well as being another source of fresh air and exercise.

Is it working? Is it what! In the last financial year I paid off $5000 in debts on the pension alone, and am on track to achieve the same amount this financial year. I lost 13kg in the same period - a nice, sustainable rate. My blood glucose level is normal, my serum cholesterol almost so, although because of familial hypercholesteraemia, I need some medication to help with that. I am continuing to lose weight slowly but surely and have much more endurance and less pain. My GP is nearly as stoked as I am. I take care of my clothes, believing that 'well-pressed is well-dressed', so my appearance doesn't give me away either. Occasionally I earn a little money from magazine contributions and this usually goes towards seeds or something else for the garden, but occasionally I restock the pantry with staples. I make my own cleaning products with such simple substances as vinegar, bi-carb of soda, washing soda crystals, soap scraps, eucalyptus oil and - wait for it - Worcestershire sauce (cleans brass and copper a treat, and one nearly always has it handy). I turn my appliances (apart from the fridge) off at the wall when not in use and have noticed a difference in my power usage. All my incandescent light bulbs have been replaced with long-life fluorescent ones, and by crafty use of acrylic-lined curtains I keep my house cooler in summer and warmer in winter. I pile on the clothing layers in winter and wear cool clothing in summer. If I'm watching TV in the winter, I cover my legs with a woollen rug and put on another cardigan if necessary, rather than turn up the heater.

Because I can't afford much for presents, I give of myself. A nice present is a 'book of vouchers', made attractively and containing such redeemable coupons as: 'This voucher is good for two hours' ironing... or an evening's baby-sitting... or... whatever!' Very few people say no to home-made goodies either. It makes me feel truly wealthy to give someone a loaf of bread still warm and fragrant from the oven, or a jar of chutney.

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!