Why buy lunch? With recipes as good as this, there's no need! I make this egg slice every few days to take to work, and I thought you might like to try it too.

Ingredients:

2 cups vegetables – just about anything will do. Leftover roast vegetables, steamed vegies, wilted salad... even raw stuff like grated carrot or chopped up tomato.

1/2 cup leftover meat, for example, bacon, fish or chicken

4 eggs, beaten

Grated cheese

Method:

Spread the vegetables and meat over the bottom of a greased square baking dish. Pour over the beaten egg, top with grated cheese and bake at 170C for about 30 minutes.

I take a quarter of this slice and some salad to work every day – it's yummy hot or cold. Thanks to the wide variety of vegetables you can use, no two slices are the same. It costs less than a dollar to make and the vegetables and protein keep me going for hours.

We decided to get rid of the $96,000 mortgage on our home within three years. The massive load of interest we would pay to the bank was over the top and we felt that the bank owned us. The entire family bought into the project one hundred percent.

1) We replaced the nice modern cars with older, less costly ones. The net difference and any savings we had and $700 from a garage sale were paid off the mortgage.

2) We agreed to budget as if we were in a life and death war and the war had to be won in three years. I developed an Excel budget spreadsheet and we tweaked the numbers until we had a 'do-able' weekly saving of $220 extra to pay off the mortgage. Clothes purchases would be done exclusively at 'Harrods', our Salvation Army shop, until the war was over.

We decided to run any item not budgeted for over three 'hurdles'.

The first hurdle was 'could it shorten the mortgage war?'

The second hurdle was 'is it a health issue?' and if so what was the least-cost workable solution?

The third hurdle was 'could it wait until the end of the three years?'

3) As time progressed we became pretty smart at reassigning money to reward ourselves for enduring the war. This meant we could have a low cost take away sometimes, or spend on an out of budget item we had set our hearts on.

It took nearly four years to knock off the mortgage. Yes, we won the war a little later than hoped, but we won. If it had taken eight or nine years to win, it would still have been worth it.

The legacy of our war against the mortgage is that we have developed great money saving skills for life. And life is great.

I pay myself to exercise! Now, you may wonder how that actually saves me money. Because my exercise is free, usually walking with a friend or working out to DVDs I've received as gifts, I don’t have to buy expensive exercise clothes or pay for a gym membership. And paying myself to exercise? That gives me motivation. I started with $1.00 for every day I exercised, and increased it to $2.00 a day - still cheaper per week than a single exercise class or gym membership! I wait until I have enough money for a facial or massage, and treat myself.

I find that the end goal of some pampering really works as an incentive to keep exercising. Prior to this, I never let myself splurge on those sort of things. I am now happier, healthier and far more relaxed!

Three weeks ago we ended up without a cent to spend on groceries and the money situation for the following week was only slightly better. We had to eat, of course, so I raided the pantry and freezer and managed to get by on what we had. We were also running out of laundry powder and toilet paper so I rationed out these things to make sure we made it through until we could afford to stock up. It meant using less laundry powder per wash and a few less squares of toilet paper each visit, but we got through the week without having to buy anything, saving around $300.

The following week we had only $30 for food shopping. I still had things I could use up in the pantry and fridge/freezer, and the rationing of the laundry powder and toilet paper meant we wouldn't need to buy more until the next week. So I spent our $30 surplus for that week on milk, fruit and vegetables.

Last week we were back to normal but my two weeks of poverty made me realise just how much money I can save each week by using less of everything and trying to use up what I already have in the fridge and pantry. Over two weeks I had managed to NOT spend about $570 and I had also cleared out a stack of canned beans, canned tuna and sardines, frozen vegetables, frozen meat and frozen loaves of bread that were taking up space in my pantry and freezer.

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!

Making potato wedges at home is much cheaper than buying them frozen from the supermarket. I use my OXO Good Grips apple divider (bought from a kitchen shop) to cut up a 5kg bag of spuds. I give the spuds a wash before cutting them up into eight wedges and one cylindrical wedge (the kids all fight over these ones). After popping them in boiling water for a couple of minutes I put them onto paper towel to dry, then into freezer bags. These are quick, economical and you can vary the seasonings in different bags, and have them on hand in the freezer for a quick snack or side dish.

Think twice before you buy an expensive bathroom cleaner to clean your acrylic bath, vanity basin and laundry tub. Try Sunlight soap - it works wonders!

After recently having a dint repaired in my three-year-old acrylic bath (the kids were too rough with their bath toys!), I asked a man who repairs acrylic baths, basins, and so on what the best cleaning product was to use on this surface. I was amazed to hear that good old Sunlight soap was the best. He said most of the marketed products available eventually wear the surface and take off the shine, then people have to pay him hundreds of dollars to get that shine back again!

I decided to try it for myself. I purchased a pack of Sunlight soap (four in a pack) for $2.09 at Coles (with even cheaper generic brands available). One cake of soap lasted me for six months - that's just over $0.50c for six months of cleaning the bath, vanity basin and laundry tub. Best of all, it really works! Also, it leaves a wonderful shine; I was really impressed. I use an old sports sock over my hand and foam up the soap, then I clean away - all that soap scum and grime easily vanishes.

As part of my $21 Challenge to use all the food in the pantry, I have set up a 'use up soon' basket containing items getting close to their use-by date. This way, I will remember to use things before I have to throw them out.

I have saved $50 in virtual coins in just a few weeks, since I started using my online money jar! I like the idea of emptying out my purse at the end of every day and placing loose change into a money jar to help me to save. The trouble is, I don't really carry any cash on me any more! Whenever I need to buy something I transfer the exact amount onto my debit card then go out and buy it. This ensures I never have excess cash to spend but it makes it difficult to save loose change. So I came up with this idea. Every time I log on to Internet banking I check all my savings accounts and transfer all the cents into a separate savings account called my 'e-Money Jar'. It's working perfectly and is amazing how quickly those few cents soon mount up!