Watching my 'non-Simple Savings' sister unpack her groceries this week made me realise how much my shopping habits have changed in the year since I discovered Simple Savings. I used to love supermarket shopping, wandering the aisles for hours, one of this, one of that.

Some products I just don't buy anymore include:

• Liquid handsoap - I now make my own (my first SS project from the Vault). Saves $40/year.

• Spray and cooking oil - I buy 4L of good olive oil on special for about $20 and use a refillable hand pumped spray container (from House, $15 - will last years). I used to buy cans of olive oil spray at about $3.50 each and by changing how I buy oil, I am saving $100 per year.

• Cleaning products - are now missing from my list - we use bi-carb and vinegar and other simple Vault tips.

• Dishwashing cleaner - has gone too. We use citric acid, which I normally keep for my yearly lemon cordial making.

• Soft drinks and cordials - are rarely bought now - we use juice as you would cordial, and have changed our habits in favour of water.

• Yoghurt - we make EasiYo using packets bought in bulk from GoldenGlow online. Saves about $150 a year.

• Eggs and vegies - in the back yard!

• Condensed milk, Yogo, cake and pancake mixes - we M.O.O. ('make our own') using Vault tips.

• Icypoles - M.O.O. using tinned fruit juice or other - search the Vault!

• Magazines - I never buy new, just pick up the free supermarket recipe brochures or occasionally buy some gardening ones from the op shop.

• Junk and pre-prepared foods - we buy a lot less in favour of having our own 'sausage roll make-athons' or other baking with the kids.

As well as noticing the presence of many of the above things in my sister's shopping, I also noticed she buys small quantities of lots of items I now buy in bulk. Each week she has to mentally or physically check if she 'needs another of...', where I buy large amounts from the supermarket and other cheaper sources - and then don't need to think about it again for at least six months. These types of products include:

Washing powder (I'll never buy less than 20kg, and with the Vault advice to reduce our amount per load, this is lasting ages!), teabags, coffee, shampoo, dog and chook food (from pet supplier every six months), ham and meats(buy large piece of ham and store in ham bag per Vault tip - saves at least $50 a year over my previous habit of buying little cute packets of 50g each), bacon (buy from ALDI and freeze), dishwashing powder (ALDI brand is MUCH cheaper than the Finish tablets we were using - saves us $150 a year at least. I buy 12 months supply on one of my ALDI runs), cheese (buy larger amounts less often and freeze if necessary), rice (10kg bag much cheaper), jelly crystals (I bought 5kg bag at IGA last week - makes 20 serves for same cost as three individual packets), tinned fruit, soup, tomatoes and other products (from SPC outlet), nappies, paper towel and toilet paper (I buy lots when on a fabulous special). Fruit and veg I buy from the greengrocer, the market or grow my own. Meat is from the butcher, chicken from the poultry shop and fish from the fishmonger once every three months.

I could go on for every grocery item - nearly everything has changed in 12 months. This is even without noting the savings from changing products - for example, I used to think myself very clever if I bought my Uncle Toby's quick oats on super special for $2.00 per kg box - until I discovered I can buy Home Brand, which I cannot fault, for $1.00 a kilo all the time. Same for most basic products.

With changes like these to my grocery shop and to our home loan, insurance, shopping habits and so on, Simple Savings has saved us thousands of dollars in our first year of membership. Our lifestyle has actually been RICHER since SS. I didn't set out to change my shopping habits - I just started by making handsoap and buying Home Brand porridge oats - but suddenly I have realised how large this change has been. If I see you at the supermarket with your milk, bread, 8 large packets of toilet paper, 6kg of the super special meat, 10kg of rice and three-litre containers of vinegar, I'll know you caught the bug too!

If your baby or toddler enjoys Heinz fruit gels, you can easily make your own at home. The benefit is that you know exactly what you are feeding them and it costs you a lot less! You will need:

2 cups of fruit juice (apple, blackcurrant or whatever you choose)
1/2 teaspoon Agar powder (you can buy this from health food shops; don't be put off by the cost as it will last a long time). You need to measure the ingredients exactly to get the right consistency, otherwise the gel will be either too firm or too runny.

Put the juice in a saucepan and bring to the boil. Then sprinkle the Agar over the top and let simmer for about 30 seconds. Pour into jars or containers and let set in the fridge. This should make around eight serves depending on the size of the containers. Unlike gelatin, Agar will stay firm if the gel is taken out of the fridge. You can also mix pureed fruit like apple, and it won't affect the recipe. For toddlers or older children you can mix two fruits and it is just like the jelly fruit cups you buy in the supermarket.

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.

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.

Our family home is always a clean and happy one, thanks to our weekly raffle! With four children aged from 12 down to two, there is always so much to get done, so we started our very own 'family raffle' as an incentive to get the chores done.

A list on the fridge displays all the categories for a raffle ticket. Some examples are - clean bedroom floor, do a load of laundry, give a music recital, finish homework by 5pm, clean the windows, play with the baby and so on. Every time a chore is completed, the child fills in a raffle ticket with their name and the task done. Then, every week at the same time, we pull out the prize winner. They receive a prize from the discount store - some kind of age appropriate toy such as a pack of cards, fancy pencils and so on, to a maximum value of $5.00. The remaining tickets are pulled out and all are given five points each. Every child who has reached 20 points during the week also receives $5.00. We get so much housework completed this way! We deposit the money in the children's bank accounts online and they are encouraged to save it, or can spend it on something special. This really helps when they need to buy a birthday gift for their friends and can even pay for their own outings and movie tickets. I read every chore they complete out loud and the pride in their faces is worth every cent!

Making our own cleaners has saved us a fortune over the years and we have saved the environment a little too. '1001 Greener Household Hints' by John Schluter is full of simple household cleaning ideas and we went straight out and bought some five litre bottles, spray bottles and some of the suggested basic cleaning ingredients. The following instructions are from the book:

Air freshener: Mix one teaspoon of bicarbonate of soda with one tablespoon of white vinegar. Add two cups of water. Store the mixture in a pump spray bottle. Add scented oils for fragrance.

Spray and wipe cleaner: Mix two tablespoons of cloudy ammonia, a half cup of white vinegar, two tablespoons of washing-up detergent and four litres of warm water. We stored this in large labelled bottles and used in spray bottles as needed.

Bathroom disinfectant liquid: Dissolve 12 drops of eucalyptus oil in 1ml of methylated spirits and then add eight cups of warm water. We used this in spray bottles also.

We paid $5.00 for the book but have saved hundreds in the years since we began making our own cleaning products.

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/

Try this impressive five star dinner for any special occasion (perfect for Valentine's Day!) for under $25!

This Valentine's Day, instead of the obligatory card swapping and outrageously priced meals at restaurants, my husband and I decided to make a concerted effort and have dinner at home.

He wanted to suprise me by serving Chateaubriand (eye fillet steak with Bearnaise sauce), which he adores. I, in turn wanted to make him Tiramisu, which has always been his favourite.

While he was out shopping, I whipped up dessert and then locked myself in the study.

After searching the Internet for intimate dinner ideas, I found every possible candle in the house and arranged them throughout our dining & lounge area!

Church candles on candlesticks and on plain white saucers, a runway of 15 tealights on gold tulle ribbon along the middle of the dinner table and on various other side tables and shelves (from my '$6.95-for-100' pack I bought at the Warehouse three years ago and am still using)!

I set the table for two and found some Miles Davis jazz CDs, bought from the Sanity bargain boxes for $6.99 each.

I then went back to my PC and set about writing not a Valentine's card, but a Valentine letter, which I bordered with clipart from a free site. After two pages, I knew that my words were more personal than any Hallmark card, and also it saved me $5.95.

I lit the candles, put on the music and our room had transformed with all the ambience of a private dining suite at a five star restaurant. My husband was lost for words!

Dinner and conversation was wonderful and during the night, our discussion turned to the cost - and saving - of our meal and we both agreed that it was far better to have stayed in than gone out.

Chateaubriand normally costs between $60-$70 for two; ours cost a grand total of $20.45 for two, including vegetables. We could have easily served three from it.

Tiramisu can cost between $7.50 up to $15 each at a restaurant. I bought the ingredients for half the recipe I found and at a total of $7.34, I still made 4 serves ($1.84 each).

Our wine was chosen from our wine rack, saved from previous dinners and occasions, saving us up to $40 on a restaurant bottle.

Altogether, our 'restaurant' dinner cost us $24.12, as opposed to a potential bill of up to $120 if we had dined out. We further saved on fuel, parking and a babysitter as the baby was home with us (asleep).

With the time we saved on travelling, we continued to talk, dance and enjoy each others company without any interruption.

The letter I wrote my husband brought him to a tear, and us just a little closer. As I sat there I realised the effort and surprise we gave to one another was priceless!

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.

For many people juggling work, family and study, time is the most important saving they can make. I work four days a week, have a three-year-old and studied part-time for a diploma for a year. I got by with these time-saving tips:

1. Lowering my expectations for the house. I don't need a spotless house, but a tidy and lived-in home.

2. Doing my housework little and often, rather than spending huge amounts of time tidying up. I do things like:

- put my little one's daycare bag together for the next day as soon as we get home in the afternoon.
- cook my lunches (pasta and sauce, muffins and so on) once a week and freeze them.
- put my lunch box together from the freezer in the evening.
- clean the toilet by putting a teaspoon of Napisan in it each night. It soaks overnight and the bowl is clean with the next flush.
- do laundry when enough for a load accumulates so we don't have a sudden clothes drought, then an avalanche of laundry to do and put away.

3. Exercising on a stationary bike in front of the TV in the evenings after my little one is in bed.

4. Programming our DVD recorder once a week (Sundays when we get the new TV guide) so I don't miss my favourite shows.

5. Filling cereal bowls with water if I am rushing and have to leave the breakfast things. This makes them easier to clean later and stops ants.

6. Trying not to double handle things. Rubbish goes straight in the bin, meat is put in meal size portions in plastic bags and frozen as soon as it gets home, magazine subscriptions go straight to magazine rack when they arrive in mail.

7. Leaving rooms better than when I arrived, so the need to tidy doesn't build up. It only takes five minutes to put laundry from the floor to the hamper, make the bed, wipe a bench, replenish the toilet paper.

8. Recruiting my little one to help - she's only three but she can put dirty dishes in the sink, put toys away in her room, dirty clothes in the hamper.

9. Shopping for groceries by myself in the evening so hubby can watch his TV shows in peace and I am not tempted to go to other stores as only the supermarket is open. Also many things are marked down at that time.

10. Trying to do three things for myself that make me feel happy each day, like listen to podcasts while I do the housework.

11. Writing the shopping list progressively through the week so I can pick it up and go when it's time to do groceries.

12. Storing the bedding in storage containers under each bed so it's quick to make the bed, especially when changing my little one's wet sheets in the middle of the night.

13. Shopping for presents at sales during the year (online or in stores) so I don't need to go to crowded stores during the Christmas rush.

14. Not beating myself up if I find lifestyle changes tricky at first - I am afterall human!