Our family is living proof that with a sensible outlook and good, honest hard work anything is possible. Our 'ugly duckling' house has gone from being the worst house to the best house in the street. Unfortunately the cost of renovating and extending it cut into our interior design budget. However we discovered that we could still furnish our dream home beautifully on a reduced budget by settling for second hand items.

For example, our curtains are fully lined and are gorgeous! One window was not a standard size and the quote for its curtains alone was $1500. Instead I found a perfect set at the op shop to fit our huge window for only $40! We have now finished the curtaining for a total cost of $250, saving us $5,000 on the original quotes. We have also bought stunning soft furnishings such as cushions, throws and floor rugs, again from op shops. Furniture we have picked up either second hand, from op shops or passed on from family. We have painted and scrubbed these pieces and now have a very up to date 'beach/country chic' look, all for little cost. The house is now finished and it looks stunning inside and out. We have Edwardian steamer chairs outside on the balcony bought for $2.00 each from the op shop. What a bargain! Our friends and family are amazed.

We now go to op shops first for all of our clothes. Our teenage kids really appreciate their 'brand name' bargains, such as polo shirts for $8 where the normal price would be $100 and many other items. I recently bought my husband a brand new dinner suit on "half price day" for $7.50! When you buy from op shops you pay cash - no credit card debt for us!

Every spare cent goes into paying off our mortgage and the house is almost paid off. We have worked hard doing a lot of building and landscaping work ourselves, as well as the interior, to save money. We live like kings but our outgoings are carefully calculated. We have taught our kids the benefits of hard work, and sensible spending. We are very proud of our lifestyle and the happiness it has brought us.

I have finally convinced my three daughters that eating a healthy lunch, including sandwiches with salad, is not only good for them but tastes great too. However, soon after changing their lunch habits, I found that this method was taking a large chunk out of our budget.

Being a working mum, it was easier to stop at the supermarket on the way home and buy pre-packed salad ingredients, but I soon discovered it was adding around $55 to the weekly budget. Plus, buying cold meat to match everyone's tastes added another $40 per week. I decided it was time to cut down. After doing some homework looking for the best prices and quality, I now purchase a bag of carrots, a couple of fresh beetroot, some fresh bean sprouts and cucumbers and a variety of lettuce. I noticed that by purchasing these items late on Sunday afternoon, I can pick them up even cheaper.

I grate my own carrot, beetroot and cucumber, throw in the bean sprouts and store in the fridge in an airtight container. I tear up the lettuce leaves and mix together in a plastic shopping bag and store in the vegetable crisper where they stay fresh and crunchy all week. My salad ingredients now cost less than $10 per week and they last longer. Throw in a small portion of sundried tomatoes for my hubby and I add approx another $1.50 to my total.

Instead of buying cold meat from the supermarket deli, I now purchase a couple of extra chicken breast fillets from my Asian butchery for around $4.00; this is cheaper than ALDI or any other local fresh meat source. I cook and shred the chicken myself while tinned salmon and tuna add extra variety; a $0.69c tin of tuna covers two lunches when added to salad. I purchase mince when it is on special and make a large batch of meatballs, which are frozen and used over a period of weeks as another filling alternative. Another favourite is home cooked corn beef; rather than putting the leftovers in the fridge, I slice it thinly and freeze for another filling choice.

My three girls are now involved in the Sunday afternoon preparations. Whilst my eldest daughter is madly grating the salad items, I tear up the lettuce and my younger daughters have great fun mixing the meatball ingredients and rolling them ready to cook.

Our family of five is still eating yummy healthy lunches but for $70 to $75 a week less than before!
We also have the added bonus of spending time together while we prepare and my daughters are learning new skills too.

Here is a hint that has saved our family time, money and arguments, not to mention countless wasted scraps of paper. This year we purchased a large diary for family use, labelled it 'Bench-top Notes' and sat it on our bench. In this diary we write notes to each other that in the past, would have been on scrap pieces of paper that would often be missed or mislaid. Anything from appointment reminders, details of missed phone calls, housework or instructions for our teenage boys, or just simple but personal notes to each other such as 'Hi sweetie, have a great day, I love you, see you at 5.30!' and so on! It has tidied up our bench-top, kept us all organised and an added bonus is that we can look back on our entries for confirmation of bills being paid, appointments kept or cancelled with the reason why and smile at the little love notes to and from each other. This diary cost about $12 but it now contains the priceless and lifetime memories of our 'Bench-top Notes'.

Smaller portions means larger savings, as you'll see in this hint.

After having a little money left over from a gift voucher, I purchased a set of three small loaf tins. (each tin holds 1/3 of a normal cake mix). I made up a chocolate cake mix and baked it in three tins. I kept one cake aside and put two in the freezer as soon as they were cold. This meant the cake lasted three days instead of just one. I remove the bar cake from the freezer each morning and not long after the kids are enjoying their smaller slices of cake, with no complaints.

I have since carried this over to savoury dishes. When I make meatloaf, I put the mixture into one large tin as well as the three smaller tins. We eat the larger meatloaf for dinner and I freeze the other ones for lunches. This is working really well for me and the savings are huge.

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.

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.

I have saved a fortune on laminating costs over the years, by doing my own at home. I don't have a laminating machine though - I don't need one! I just buy the laminating pouches I need and get exactly the same effect using my household iron on a low setting. You just need to ensure you are working on a fairly rigid surface - if your ironing board is too 'spongy', strengthen the surface by adding a piece of cardboard, covered with cloth before laminating. When applying the iron, put a cloth or other fabric between the plastic and the iron. The results are just the same as using a machine and the heat will gently fuse the pouch together. I have done this for so long, that I don't know how much laminating costs any more, because I never pay to have it done!

I have just read the recipe for nut and oatmeal bickies on this site. I have used a similar recipe many times and find that six dozen bickies in one baking session are just too many. So, I only bake one dozen, shape the rest of the batter into balls, lay them in a single layer on a plate or roasting dish and place in the freezer. Once frozen, I put them into plastic sealed bags so they are free-flow and I can cook as many or as few as I need at 18 minutes notice - a couple of extra minutes since they are frozen to start with.
 
This is great for unexpected visitors, kid’s afternoon teas or $21 Challenge weeks. My friends think I'm so clever!

We've saved at least $10,000 this year alone, simply by changing our shopping habits!
 
Almost every day, we'd stop at the supermarket on our way home to buy fresh ingredients for dinner – however, we'd also buy a couple of impulse items while there. The daily grocery bill was at least $30; an extra $150 each week on top of our weekly 'big' grocery shop!
 
To reduce the number of trips we made to the supermarket, we analysed our spending habits. We looked at all the grocery items we purchased and separated them into three categories:
 
1. Perishable items that need to be used within a week or so, for example, milk, bread and vegetables.
 
2. Items that had a longer shelf life or could be stored so they last longer, for example, meat that could be frozen, canned items, pasta and rice.
 
3. Items with an extended shelf-life such as toilet paper, detergent, toothbrushes and so on. We then estimated how much of each item we would use in a year.
 
We looked at what we could make or grow ourselves, for example, bread baked in the oven or herbs and vegetables grown in the garden. That left a limited number of items we needed to buy on a weekly basis including milk, fruit and vegetables; at least until the garden was established. These were all items we could buy from the local fresh food market, avoiding a trip to the supermarket, which meant lower prices and fewer impulse buys.
 
The next step was to develop a monthly meal planner - five meals per week with two nights of leftovers or 'invention' cooking using whatever was in the fridge, freezer and cupboard. We put all the recipes in a folder and worked out a monthly shopping list based on these recipes. All non-perishable ingredients are now purchased in this monthly shop. Meat is also purchased monthly from a butcher who offers bulk purchase discounts; the meat is frozen in meal lots ready to be thawed in advance for each meal.
 
We don't tend to cook in bulk, as we enjoy the process of creating fresh meals each day, but we do cook enough to provide the next day's lunch and occasionally cook a couple of casseroles or 'one pot' dishes at the same time and put them in the fridge - the flavour seems to build and is even nicer after a day or two.
 
Our menus also change depending on the season and what produce is available at that time. We're in the process of developing 'summer', 'autumn', 'winter' and 'spring' meal plans with enough recipes to get us through each season.
 
Finally, during each monthly shop we'd buy extended shelf-life items when they were on special until we had a year's worth. It takes up some extra cupboard space but we never run out of essentials and don't have to duck out to the supermarket.
 
Our ultimate goal is to reduce our 'big' shops to once a quarter rather than monthly – this will save us even more time and money by further reducing our exposure to the supermarket.
 
We have saved $150 a week by eliminating daily shops – this adds up to $7800 annually. We've saved even more by shopping at fruit wholesalers and butchers, buying in bulk or taking advantage of specials. By changing our shopping habits, we estimate we've saved at least $10,000 this year!

I bake everyday because I enjoy baking and my family (5) enjoy eating. This has saved us thousands over 11 years. We have paid cash for 2 new cars and we have owned our house outright after only 5 years of mortgage. To save money grow a vegetable garden and flowers for enjoyment. Shop for specials and buy in bulk but not so much that it expires before you can use it.