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!

My washing requires a fabric softener as my laundry gets hard and coarse if they're washed and dried without it, but I hate spending up to $4.00 per bottle, so came up with this cheap solution.

It works brilliantly. I now buy a home brand or extremely cheap hair conditioner (no, NOT a shampoo!) This costs $0.80c to $1.90, per 500 mls or one litre.

All you do is squirt a tiny 10 cent size dollop into your fabric softener holder, then fill up the remainder with very hot water.

I now have fluffy towels all the time, and the cheap conditioner option has worked out to be a bottle every six months or so, instead of spending lots of money per week on commercial 'fabric softeners'.

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!

My husband was dying of lung cancer. He wanted his ashes scattered at sea and, being a practical man, discussed other details. He did not think much of church services and a eulogy delivered by a person he did not know.

He died in my arms at home and the next morning he was picked up by Sommerville Funerals. (Most people are unaware that they may have some time with their loved one before the body is collected.) A private cremation was arranged and I collected my husband's ashes for his 'celebration of life' at our home. All our friends arrived, charged their glasses, sat or stood on our front lawn and listened to his story that I had written a few days before. We played his favourite music and people stayed all day. My husband loved a great party and this was no exception. Everyone said this was the best service they had ever attended and they were going to do the same.

Incidentally, the only cost was the private cremation fee. Nothing like some of the very high fees I was quoted.

Here is a hint that has saved our family time, money and arguments, not to mention countless wasted scraps of paper. This year we purchased a large diary for family use, labelled it 'Bench-top Notes' and sat it on our bench. In this diary we write notes to each other that in the past, would have been on scrap pieces of paper that would often be missed or mislaid. Anything from appointment reminders, details of missed phone calls, housework or instructions for our teenage boys, or just simple but personal notes to each other such as 'Hi sweetie, have a great day, I love you, see you at 5.30!' and so on! It has tidied up our bench-top, kept us all organised and an added bonus is that we can look back on our entries for confirmation of bills being paid, appointments kept or cancelled with the reason why and smile at the little love notes to and from each other. This diary cost about $12 but it now contains the priceless and lifetime memories of our 'Bench-top Notes'.

I am 22 years old and on a low income, but am well on the way to saving for my first house! I developed a simple system that keeps my savings goal at the forefront of my mind and encourages the support of those around me.

I've always found it hard to save, but one day I got a big piece of cardboard and wrote 'My House Deposit' at the top. On the right hand side I cut out images of a house, a kitchen and a loungeroom that I would love to own one day. On the left hand side I drew a giant thermometer and on the side wrote the figures $0 to $40 000 ascending, just like on a real thermometer. Whether or not I need $40 000 is irrelevant; I look at this table every day and whenever I save another $500, I colour in with a red crayon up to the amount on the tally. I use hints from Simple Savings, such as making my own lunch every day and not buying clothes if I don't need them and now whenever I make a purchase I think of my house deposit and how much I want it far more than a coffee or new shoes!

An unexpected bonus of having this chart is that I've found my family and boyfriend have become aware of my goals and I get lots of support along the way. This visualisation technique really does wonders, and most importantly you are making a concrete agreement with yourself and you stop losing sight of your goals. I'm already a quarter of the way to reaching mine!

Make over 120 bickies for just $4.00! This fantastic basic bickie recipe is terrific value, makes loads and has lots of room for variations:

500g margarine
1 tin condensed milk
1 cup sugar
5 cups self-raising flour

Cream sugar and margarine. Add condensed milk and flour. Roll into teaspoon sized balls and press down with a fork. Place on greased trays and bake in moderate oven until golden brown (approximately 10-15 minutes).

Before baking I divide the mixture into five and add the following ingredients for different flavoured bickies:
1. Chocolate chips and glace cherries (chopped)
2. Cornflakes and sultanas
3. Hundreds and Thousands
4. Jam drops
5. Milo and coconut

You could add any number of other things like Rice Bubbles, Smarties, nuts, cinnamon and other spices and so on. The raw mixture can be frozen in balls, just thaw slightly before baking.

From this one batch we made 123 bickies and by my calculations using the cheapest possible ingredients, the whole batch cost just over $4.00 to make!

Simple Savings has become a way of life. I don't have to think about saving or spending now - it just comes naturally. In the past five and a half years, we have managed to pay a whopping $150,000 (principal) plus interest off our mortgage and still live happily and comfortably. This is all due to Simple Savings.

My husband and I have three young children and our combined income is only average, ranging between $50,000 - $70,000 per year. Readers may think 'I could never do that, I would have to go without too much' or 'that's impossible', but this is not true. We don't go without; in fact we feel we do pretty well! I cannot name just one single thing that has helped us to achieve this and still be happy - it is a multitude of tips and hints, all of which can be found on your site. I have always been a Simple Saver, so for me this was not hard, but my husband found not being able to spend money willy-nilly difficult at first. These days, I am proud to say he thinks before he spends and at times even proudly tells me of his smart purchase or why he didn't purchase!

I could go on and on giving examples on how to do what we have done, where we saved money and how we used it more wisely, but that would make a book and to be honest all people have to do is log on to your site, it's all there. Focus on your goals, walk hand in hand with Simple Savings and your dreams can come true.

We no longer spend up to $5.00 on a birthday card. Now we spend $0.15c at the very most!

All we do is take a photo of the family holding up a sign that reads 'Happy Birthday'. I have had a pile of them printed off and we simply write a personalised message on the back of each photo.

This great idea can be used on any occasion, including Christmas. So say cheese and save bread!