This super basic mince recipe saves me up to $100 a month on takeaways, thanks to the convenience of having meals already 'half made'.

All you need are:
2kg minced beef
2 cups of red lentils
2 tbsp of vegetable stock powder, or four vegetable stock cubes
1 tsp dried garlic granules
1 dsp dried onion flakes
4 cups of water.

Place all the ingredients into a crockpot and cook on high for two hours, stirring every 30 minutes. It should be thick, aromatic and an unattractive brown colour (don't let this worry you!).

One batch costs just $13 to make and is enough to serve as a base for seven meals for our family (two children and two adults). This saves heaps of money and time too. I usually freeze the mince in margarine tubs, as that seems to be the right amount for one meal for our family.

The meals I made are:

1. Piemaker pies.
   Allow one heaped tablespoon of basic mince per pie. Pour the mince into a small saucepan and add a large spoonful of gravy powder, or a dessertspoon of cornflour and some Vegemite for colour. Heat and stir until thickened. Spoon into pastry cases and cook in the piemaker.

2. Mexican enchiladas.
   I use Mountain Bread or make my own crepes. Lay the bread or crepes in u-shapes in a large baking dish. Mix the mince with an equal amount of tinned or home-made refried beans. Spread the mixture in a sausage shape down the middle of each crepe, fold each side of the crepe over, sprinkle with grated cheese and bake at 180C until the cheese is melted and bubbly. Serve on a bed of rice, topped with natural yoghurt and some salsa.

3. Stuffed capsicums.
   Halve enough capsicums for half or one per person. Spoon the mince straight into the capsicums, top with some mashed potato, pumpkin or sweet potato. Sprinkle with cheese and bake for 40 mins at 180C. Kids love these as the capsicum sweetens when baked.

4. Baked spuds with topping.
   Allow one potato of appropriate size per person. Cook in the microwave according to manufacturer's instructions. Split a cross in the top and pile filling into the opening. Top with natural yoghurt or sour cream and chopped, sauteed bacon. Allow one large tablespoon of filling per potato. Mix the filling with one tin of baked beans and heat in a small saucepan before pouring on to the potatoes.

5. Spring rolls.
   Mix about four tablespoons of mince mixture with a packet of cooked and cooled Two Minute Noodles, some shredded carrot, and 1/2 teaspoon Chinese five spice. Using filo pastry sheets or spring roll wrappers, fold a small handful of filling into each spring roll. Spray liberally with cooking spray and bake at 180C for 20-30 mins.

6. Greek pasta bake (Pastito).
   Heat a container of mince mixture with a 400g tin of peeled tomatoes. Cook enough macaroni for your family and drain well. Mix with the meat mixture and spoon into a large baking dish and top with your favourite white sauce or cheese sauce. Sprinkle on some grated cheese and bake for 40 minutes at 200C.

7. Shepherds pie.
   Add any vegetables of your choice to the mince mixture. Place into a baking dish and top with mashed potato, pumpkin or sweet potato then bake until heated and the potato browns.

As school has gone back, and exercise books need covering, I thought I'd share this money and time saving tip.

I bought a box of 100 plastic sleeves, just like the ones you clip into ring binders. These cost me just $1.50. I then cut off the spine and the bottom of each sleeve, leaving me with a piece of plastic that is the perfect size for covering exercise books. The spine of the book fits and holds neatly in the crease, and the overhang is the perfect width for folding over the edge and sticking down. So simple, and at $1.50 to cover 100 books, so economical 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.

As a new member, I have saved $150 in my first week, thanks to the $21 Challenge! I thought I was careful with money until I discovered this site and realised how I could further improve my spending habits. I decided to give the $21 Challenge a go and it is now Thursday and I haven't been to the shops yet!

I have become a problem solver due to the fact that I must use what is in the fridge/freezer and pantry. I nearly buckled when my four year old wanted 'pink milk' and I had run out of Nestle Quick but no problem in the end. I found some rose pink food colouring and with just one drop - presto, pink milk! It does take some preparation because you are cooking from scratch but it is all worth it when your family tells you that the dinner you made tonight was the best, and is there any more?

My other dilemma was to use the three zucchinis in the crisper, so I made them into a slice. It was so easy to make and I had every ingredient on hand without even trying!

Zucchini Slice (serves 4-6)

3 zucchini (grated)
1 onion (grated)
1 potato (grated)
4 slices of ham/bacon (chopped)
1 cup of cheese (grated)
6 tablespoons flour (plain)
3 eggs
salt/pepper

Put all ingredients into a big bowl and mix really well. Pour into a quiche dish and cook in the oven for one hour at 160C. If you are vegetarian, simply leave out the ham. Simple, delicious and super cheap!

We all know how convenient it is to grab a packet of cake mix off the supermarket shelf, but you can save a lot of money by making your own. This recipe is really easy to make and you can store it in the fridge for up to three months or for longer in the freezer.

Ingredients:

250g self raising flour
185g caster sugar
2tbsp milk powder, skimmed or full cream
125g butter

Method:

Sift or process all dry ingredients until combined, and then rub in or process the butter.

To make the cake add:

2 eggs
1tsp vanilla essence
1/2 cup water

When these ingredients have been added to the cake mix, beat the whole lot until combined. Bake at 150C - 180C for 30 minutes if making one cake, or 20 minutes for smaller cakes. For variety, add coffee, cocoa or anything else you like. This is as good as shop bought cake mixes and half the price!

This Christmas, I have saved myself over $1000 on buying gifts AND was able to afford a holiday for two to Queensland, just by using my green thumbs!

Instead of spending $50 on each Christmas present this year, I decided to use up some of my left over garden pots. I wrote a list of all who would receive presents this year and allocated a pot for each person (I also set aside five extra pots for those last minute gifts).

I thought about each person and what might compliment them, then I set to work! My garden is full of herbs, so I took cuttings from each herb and began growing them in their new pot for their new owner. I gave them plenty of time to settle in by Christmas.

When it comes time to give these lovely potted herbs as gifts, I also attach a recipe, so the recipient knows how they can incorporate their new plant into their cooking, or make up a lovely hand cream or bath bomb.

If you have herbs of your own and pots sitting around it's a great way to put them to good use. These lovely gifts didn't cost me a cent! I already had the herbs in my garden, the pots in my shed and instead of buying extra potting mix, I used soil from the garden that the plant was already used to growing in!

A few simple lifestyle changes have helped me lose 26.5kg AND slash my food bill by $35 a week! Over the past six months I have developed my own healthy eating and exercise regime. I began by pushing my one-year-old for an hour a day to the park and around the shops at a brisk pace, using our $20 eBay running pram. I also invested in some second hand hand weights and after extensive research on the Internet, I started my own regime of weight training exercises.

Food-wise, I began buying in bulk and made my own nutritious meals, rather than relying on 'ready to eat' microwave health meals. This way I knew exactly what was in each meal and there was never any waste. I started making my own meal plans and eating smaller portions, going from a 3000 calorie-a-day diet to 1500-1600 calories per day.

Under my new regime I soon began to lose the weight, but the real bonus for me has been in the savings I have made. Changing the way I ate and my portion size has resulted in me saving $35 a week over the past 26 weeks! A win-win situation all round. No personal trainers, fancy diet shakes, pills or supplements - I simply used what I had. I feel fantastic and have the energy levels of a teenager! If I can do it, anyone can!

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!

I'm saving money, time and sanity by serving dinner much earlier – here's how! With three young school children, I was finding they were coming home really hungry from school, eating up and were not hungry at dinner time. This meant I was struggling to find healthy, economical after school snacks and throwing away perfectly good dinners! The solution? I changed our dinner time to 3.30–4pm! They have a healthy, nutritious meal when they're hungry and a small snack such as fruit later in the evening. No wasted dinners, no stressed mummy! I have their dinner ready when they get home and then have more time to help them with homework. They are also helping out more with dishes and so on, which is a great help to me.

I used to buy a large can of air freshener ($42 per year) plus a can of Glen 20 each month ($71.52 per year) for my home and bathroom. On top of that I would also buy a large spray bottle of Febreeze quarterly ($54 per year). That is a total of $167.52 just for freshening the house each year.

On top of that, there was the additional cost of $9.00 a week on floor washing cleaners and disinfectant ($468 per year). A grand total of $635.52 per year.

Now I buy two large bottles of eucalyptus oil ($22), plus I have bought two very sturdy two litre capacity spray bottles (at a once-off cost of $18).

One bottle is reserved for carpet, bathroom and fabric deoderising and freshening, which now has us enjoying the additional benefits of no fluorocarbons or chemicals being used in our home, and eucalyptus oil is twice as effective when it comes to fighting bacteria. I use two tablespoons of eucalyptus oil per two litres of boiled, spring or filtered water.

The second spray bottle is used as a floor sprayer. I now don't use a bucket and mop. I just sweep the floors, wet the mop, spray the floor as I go with the eucalyptus and, hey presto, clean, deoderised and disinfected floors in one easy go. I use four tablespoons of eucalyptus oil per two litres of boiled, spring or filtered water.

The total cost saving for an entire year has been $448, which is now being spent on music lessons for our children. The house always smells fresh, the floors are cleaner and we've had fewer colds than ever before.