A novel idea to help my Mum save on new ceiling fans has led to some fantastic and unexpected long-term savings! After being quoted a whopping $160 per unit (pensioner rate) to get ceiling fans installed, we took matters into our own hands and placed an advertisement on local notice boards. It read: 'Experienced licensed electrician required to install three ceiling fans. I would like to trade the costs by doing your washing and ironing for one month.’

Within a few days, Mum had received several enquiries and selected a nice, young single guy who needed a 'mother's touch' to some of his clothes - a lot of stain removal and buttons re-sewn. He installed the fans and dropped and picked the clothes up from her place on a weekly basis. To our surprise we learned he also had connections to plumbers and gardeners and she was soon able to have her bathroom wall retiled in exchange for scrubbing out an oven and re-organising a food pantry for a couple that were having a baby soon.

It didn’t stop there! Before long she was taking up hems, sewing on buttons and doing basic mending in exchange for garden maintenance and mowing lawns. These guys are ripping up old items from homes every day with their trades so these days they even search around to find her the cheapest - or even free - items if she needs them, as well as providing an oven door and dials on her heater for free. They often come across things that others could use but end up in the tip instead.

As a pensioner, Mum has time on her hands and is very experienced in household chores but has a limited income. This trade of skills and services means she can now carry out tasks within her ability and has made some fantastic friends. Her place looks amazing and is she even happy to do babysitting for the families. In turn they really appreciate having a cuddly grandmother figure around. She has a new purpose and a whole new social network too - in fact she looks 10 years younger!

I have read heaps about menu planning but found it all just so overwhelming. Choosing a menu for a whole month seemed like a lot of hard work but I have found a way to help even the most disorganised person.

Starting on the first day of a new month, and using a calendar or diary, write down what you have for dinner each night of the month. You will soon see what meals you eat on a regular basis. You can then transfer this information to the next month in your calendar or diary, and there is your monthly menu plan!

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.

We buy our vegetables every week at our local Sunday market. Occasionally, we fail to get through all the produce by the end of the week, and we're left with some sad looking vegetables in the fridge. I just hate waste!
 
We've found that putting a Chux dishcloth, or any absorbent dishcloth, in the bottom of our veggie drawers makes a huge difference. It absorbs any moisture from the bottom of the drawer, and leaves our vegetables fresh and crisp for a whole lot longer. Every week, we wipe the drawer, throw the dishcloth in the wash and replace it with a new one for another week of fresh, crisp vegetables. By doing this, we save around $7.00 per week!

Toilet cleaning, deodorising and water conservation has never been easier.

You can kill three birds with one stone by piercing a few holes through the lid of a bottle of vinegar and putting the bottle in your toilet cistern. The weight of the bottle displaces the water meaning you use less water with each flush. The vinegar will slowly seep out, leaving your loo smelling nice and making cleaning easier. When the bottle is empty, simply refill it with homemade vinegar which is simply half a bottle of cheap white vinegar topped with rainwater. Leave for 24 hours and it will be full strength and ready to use.

Now, if we could only get men to leave the toilet seat down...

I am saving around $100 a month on my grocery bills, thanks to a few simple changes to our family meals. I wanted to reduce our food bill and after some thought came up with the idea of making two nights per week a '$2 Dinner Night'. For example, one night we will have something like toasted baked bean sandwiches or stuffed baked potatoes; the other I use up all the leftover vegetables in the fridge to make a self-crusting quiche. This reduces the amount of food we waste and the kids love it. Even the simplest meals can be delicious and filling and the savings we are making from our twice-weekly $2 dinners are well worth it!

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!

When I separated from my husband and was left with three children, I had no income apart from the pension. Food was getting very scarce, so I had to become creative. Every second week I drove to Flemington fruit and vegetable markets in Sydney (about closing time when most food is the cheapest), bought food by the boxes, and spent the whole day processing it. I made vegetable lasagnes, which I would freeze, all sorts of sauces, vegetable selections for stir frying and steaming, mango ice blocks (pureed mango only) and so on. We would use the most perishable fruit and vegetables the first week and the others later. Eventually we started to have an overabundance of food.

Then I told a few friends of my system, and very soon I was running a little co-op. I started to go to the markets every week and buy a greater variety of food. I got my fruit and vegies free and could also split up my petrol bill for the week amongst participants of the co-op. They got their food much cheaper than in the shop, and I got my food and petrol free.

Apart from that we had the freshest food, with fresh fruit or vegetable juices every day. Out the window went fizzy drinks and any convenience foods. It is now about 14 years since we started to eat like this, and we don't even have a family doctor, because we hardly ever get sick. How much we saved on medicines I cannot even begin to calculate.

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!

At 12 years old, my daughter is already helping our family save money on snacks using her Simple Savings skills! With five children in the house, we do a big shop just once a month and are careful to make our food and treats last until the next shop. Recently we were nearing the end of the month and getting low on food. I arrived home one day to find my daughter baking biscuits. 'They're Doos!' she told me. 'You always said if there was nothing in the cupboard, we had to make do, so I made Doos!'

The name has stuck in our house and now whenever we have 'nothing' in the house for lunch boxes, snacks or afternoon tea, she just makes a batch of 'Doos' using whatever she can find in the pantry to 'make do' with. She is proving to be very inventive with her recipes and is turning out to be a real baker. She'll turn out simple but delicious treats such as honey joys, choc chip biscuits, Anzac biscuits, pikelets and pancakes in no time at all! She really has shown that you can make something from almost anything in the pantry and would be wonderful at the $21 Challenge! Here is the recipe for her latest creation, called 'Sort of Scones!'

1 cup oats
1 cup self raising flour
1/2 cup sugar
125g butter
1 egg
1/4 cup milk

Mix all ingredients together, then roll into balls and place on a greased baking tray. Bake in a moderate oven (around 180C) for 10 minutes.

I couldn't be prouder of my daughter's efforts to help us save money and keep everyone well fed. Whenever we think our parenting has a lot to be desired, it's moments like this which prove we have to be doing something right - good things do rub off too!