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!

Swapping roles with my husband forced him to start budgeting and to learn to take control of our finances!

My husband and I are happily married and are about to celebrate our 50th wedding anniversary, but there was a stage in our lives when we were raising three children and our finances were incredibly stretched, yet he refused to accept it.

One day there was no bacon for his breakfast (he likes bacon every day) and he lost his temper. Rather than get angry back, I wrote him a letter resigning as housekeeper, mother and wife and gave it to his secretary.

He finally agreed to talk and I got him to agree that for one month he would take responsibility for running the house on the budget I had been working on. It wasn't long before he asked 'How on earth do you manage? We need to reassess our finances'.

Since then we have always cooperated when it comes to getting through a tough period.

When you are going out for a picnic or taking lunch to work or school, use cloth to wrap the sandwiches. This is much better than cling wrap or foil because it's cheap and reusable. I use tea towels, napkins and chopped up table cloths to wrap my sandwiches. The sandwiches stay fresh and when I've finished, I just shake off the crumbs and take the cloth home to be washed and used again.

There is something pleasantly old-fashioned about this method - and just think of all that plastic not going into landfill.

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.

If you've just boiled up a pot full of spuds and are about to tip the water down the drain, stop right now! That water is full of nutrients and vitamins and can be used again.
 
Next time you have potato water, you may like to try using it for soups, gravies, stews, as a base for making stock, liquid in baking biscuits, breads or pancakes, or a broth drink! You can even leave it to cool and pour over your garden plants.
 
I have achieved fantastic results since I started to use the potato water in my home-made bread, rolls and buns. It's a great way to get additional nutrients from our foods and a big water saver.

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 recently noticed my elderly neighbour was unwell and no longer able to drive or leave the house; relying on taxi services to deliver food (often expensive pre-packaged items), or he would have home delivered takeaways. Being a fussy eater, he was reluctant to consider 'Meals on Wheels', so I volunteered to shop for him and cook him three different meals a week. Each week he gives me enough money to cover the costs of his meals (soups/stews/freezable casseroles) and I make up bulk amounts of each dish. I deliver half to him and keep half for myself, as suggested by him for payment. Not only is he saving money on taxis and home delivery, but he is eating healthy food and my family is also provided with three meals a week as a bonus for giving up a little of my time. Often cooking for one is not inviting, but cooking for others encourages healthier eating habits and helps regain social contact. Often a lonely person will gain a new lease on life to boot. A great savings all round, and using recipes from the Vault saves me even more!

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!

I have been receiving your fabulous emails for ages and I thought I'd share a favourite saving hint of my own.
 
My naturopath gave me a tip which saves money and is better for our health too. She said that most hand sanitisers contain chemicals and antibacterial properties that not only kill bad bacteria but also kill off essential good bacteria. The good bacteria on our hands helps to fight off infections and acts as a barrier, so hand sanitisers can compromise our ability to protect ourselves.
 
My naturopath gave me a natural alternative. She told me to buy some small atomisers and a bottle of water-soluble tea tree oil from the chemist. I would then pour about 20 drops of oil into each atomiser, and fill with water – that's all it takes to make your very own antiseptic.
 
These natural sanitisers are cheap, effective and have a lovely scent. An atomiser easily fits into a handbag, and is very handy if the kids get scratches and scrapes after playing – a quick spray on the affected area is all it takes.
 
Tea tree oil really is the best antiseptic around and there are so many uses for it. Happy natural sanitising!

My husband is self-employed and over Christmas and New Year we were waiting on a payment that had been due in November. I had not done any shopping for over a month, and we felt like there was nothing in our pantry, especially my five kids who repeatedly moaned ' there's nothing in here!’

Of course, that wasn't the case. It's amazing what you have stashed away in containers or hiding at the back of each shelf. On a closer inspection, we found dried beans and lentils, flour, sugar, cous cous, rice and lots of other bits and pieces.

We managed to feed our family of seven on the 'nothing' in our pantry for another two weeks. We are lucky enough to keep chickens, and have a very basic vegetable garden, so all I really needed to purchase was milk. We made pancakes, pikelets and scones, and even a chocolate cake with the cocoa we found - these snacks kept the kids, and hubby, very happy!

We survived until our very overdue payment finally arrived. We have now decided that we will eat the cupboard clean every month, as this encourages us to save money by using what we already have and by not allowing things to go out of date.