My mother, sister and I have changed our spendthrift ways to help each other out and enjoy quality time and a regular meal together.

We used to spend our weekends shopping. Of course we bought things we did not need. Even worse, we spent tons of money on eating out in the mall! So, we changed our habits! Once a month we spend a day at one of our houses, taking it in turns. The hostess is responsible for lunch and the others help her with a project around her house.

For example, we have painted a playroom, done general cleaning, cleaned a garage, collected items for charity and more!

Renovations need not cost the earth. We just bought our first home and it had a hideous old kitchen with brown contact, broken stove elements and musty cupboards that had seen better days. We wanted a new kitchen but it was going to cost $4000. It was money we didn't have, so I used my brain instead and renovated our entire kitchen for under $100.

I bought:
Two bottles of oven cleaner at $3.99.
One second hand element from the dump for FREE!
Two tins of paint from Kmart for $17.99 and $36.99
Curtains that were faulty and discounted to $20 for two pairs.

I stripped off all the contact, cleaned the cupboards and painted the inside with flat acrylic paint. They are now white and clean inside. Then I cleaned the oven and fitted the element from the dump. It looks great. Now the oven will do us until we get that mortgage out of the way! I then removed the cupboard doors and gave them a coat of enamel paint. I took the door handles off, cleaned them with oven cleaner and refitted them - they came up like brand new! Finally I hung my bargain curtains and my new fresh, white kitchen looks lovely.

My husband was very impressed. All it took me was two days work and $82.96 of supplies. Best of all,I saved $3900 on a new kitchen.

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!

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!

Use this one basic mix to make scones, scrolls, pikelets, pancakes and waffles! It will save you heaps of time and heaps more money!

SUPER BAKE-ANYTHING MIX:

In a large Tupperware container, mix:

2 kg packet SR flour

2 tbs + 1 tsp salt

1/3 cup + 1 tbs + 1 tsp sugar.

SCONES:

In bowl, add two cups baking mix. Rub in 2 tbs butter until mixture looks like breadcrumbs. Stir in 3/4 to 1 cup of milk, until moist but not too sticky. Don't overmix. Roll lightly and cut into shapes with biscuit cutter. Place on lightly floured baking sheet. Bake 10-12 minutes until golden.

SCROLLS:

Complete mixture as for scones. Roll out with rolling pin until 1 cm thick. Spread with softened butter, 1/2 cup brown sugar and a little cinnamon. Roll up tightly from long edge. Cut scrolls into 2 cm slices. Bake on baking tray 10-12 minutes.

Variations: Use your favourite jam or make pizza scrolls using tomato paste, ham & cheese.

PIKELETS/PANCAKES/WAFFLES:

To two cups of mix, add one egg, 1+ cups of milk, 1 tbs oil. Beat together until thick but slightly runny. Makes small pikelets, large pancakes or waffles.

I add a supermarket gift card to my weekly grocery list and use them all up to shop for Christmas! After doing some calculations I realised that the ready-made Christmas hampers that you pay for weekly cost three times their actual value, not to mention the fact that they can include many products you won't ever use. My new system for buying Christmas groceries lets me buy my own hamper full of items at the current price or on special.

My husband and I have finally found the key to successful saving! The two of us are dreadful savers; while we're good at putting spare change in a jar, we don't know what to do with it once the jar is full! We thought a saving thermometer would be helpful, but wanted something that wouldn't be so obvious when people came over to visit. So we came up with a more subtle brainwave - a jigsaw puzzle!

We bought a jigsaw of what we wanted (a house) and assigned a dollar amount to every piece. Now we 'buy' pieces of the jigsaw puzzle, the money goes in our jar and we bank the money once a month. We even set up challenges for ourselves, such as who 'buys' the most pieces in a month, and we never have to worry about what to buy each other for presents - we buy pieces of the puzzle of course! Once we've completed the puzzle we're going to hang it on the wall - of our new house!

Making your own pizzas is a brilliant way to save money on buying them - but I bet you haven't tried this! You can save even more money on takeaway pizzas by making your own bases using just TWO ingredients!

This recipe makes two medium sized pizza bases:

2 cups self raising flour

1 x 200g tub natural yoghurt

Simply combine your two ingredients in a bowl and mix together until well combined. Turn out onto a floured board or surface. Knead together as usual, then divide into two equal parts. Roll out your pizza bases, add your chosen toppings and pop into the oven for 15 minutes at 220 degrees.

The results are so delicious. Simply use up whatever you have in the fridge to top your pizza and you've got a super cheap and filling meal. I've converted all my family and friends too! I dare you to give it a go, you'll be amazed!

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/

I can make hundreds of litres of liquid plant food from just $12 worth of Dynamic Lifter pellets! This will buy a 10kg bag. Just add around four handfuls of pellets to a nine litre bucket of water and let steep for a couple of days, mixing occasionally. When you have a nice 'tea', pour a couple of litres of the liquid, into a nine litre watering can, top up with water and give your garden a drink. Repeat until all the 'tea' is gone, then add more water to the residual at the bottom of the bucket and repeat this process. As the mixture gets weaker, you can use on seedlings, vegetables and more delicate plants such as azaleas and gardenias. The 'weak' mixture can be used as a health tonic or sprayed directly onto the foliage of plants (remember not to spray if the weather is over 20 degrees Celsius, as this will burn the foliage). Once you get to the real weak stuff, simply pour the residual under a tree and water in well.

You can also make hundreds of litres of liquid fertiliser from a 10kg bag of Blood and Bone pellets at an initial cost of approxiamtely $1.20 per kilo. Compared to a litre bottle of liquid plant food (such as Seasol) which costs about $10 and will make just over 300 nine litre buckets (going on the manufacturer's average of 30ml per bucket), your bag will make many hundreds of buckets of first grade solution followed by many more second and third grade 'weak' solutions which are ideal for foliar feeding. A huge saving, which will give you enough fertiliser to last you a whole year or more!