Buying Christmas presents for adult friends and family can be both expensive and stressful, especially when trying to match the perfect present to the person.

So one year I decided to make up small deluxe hampers which contained a mini bottle of sparkling wine, two plastic champagne glasses, chocolates, mixed nuts and home-made shortbread. I purchased the gold wire baskets from the Reject Shop for $2.00 each and the glasses (also from the Reject Shop) were $2.00 each. The mini sparkling wines were purchased from Dan Murphy's and worked out at around $3.50 each when purchased in lots of six. The chocolates were a good quality brand, and individually wrapped, so I bought a large tray and then divided them up (which was cost effective as I only needed around three in each basket). I then purchased a large bag of mixed nuts, which I repackaged into small Cellophane sachets, and I made the shortbread, which worked out to only a few cents each.

The overall cost of each hamper was around $10, including the cost of gold tissue paper (also purchased from the Reject Shop) to line the baskets and ribbon for decorating. I suggest sticking to one colour theme for each hamper, for example, gold covered chocolates, ribbon and baskets or silver baskets and accessories.

It's a good idea to look in places like the Reject Shop or $2 shops as soon as you see Christmas decorations appearing on the shelves. That way you get the best selection and can start putting them together early (except for the shortbread or any home-made foods you choose to include in the hampers). This way you'll have plenty of time closer to Christmas to concentrate on the children's presents!

I saved heaps of money, made something original and had heaps of fun doing it!

I am on a very, very low income, so I budget for every bill and expense. I put away bill money every fortnight and that way I have all my bills covered as they arrive, and we seem to just spend the rest. Last year I decided to pay me as a bill, so every pay day I pay me first, just $50. I now have over $1200 in savings. I can't believe how easy it is; just pay yourself before everyone else. The first couple of pays it was an effort not to touch it, but as soon as I saw it mounting up, I got very excited. I tell myself all the time that money is power. While $1200 is not much to some people, to me it's a fortune. Try it - it empowers you.

People are constantly amazed when we tell them that we have managed to whittle down our weekly grocery bill to just $100 for our family of four. Our income may not be all that we would wish, but with a little dedication, we have made a huge difference.

For example, in recent months, we have saved $50 per week on our grocery bill, since we have started throwing away our supermarket circulars! For years, I eagerly awaited the arrival each Sunday of the supermarket 'junk' mail. I would plan our eating to a large extent on the weekly specials, and would stock up on a few of them, believing it was saving me money.

However, once I began throwing them away without even a glance, it had an unbelievable effect! Not only did it cut down on the clutter in the house, but amazingly my grocery bill plummeted. I now buy only what I need - as opposed to what the stores want me to buy - and the benefit is showing. By throwing out the junk mail alone, our weekly grocery shop reduced from $150 per week to around $100, saving $2,600 per year!

I still use a menu plan to help me stick to my budget, but now it is food of my choice, rather than being influenced by supermarket advertising. A typical weekly menu might look like:

Monday - Baked chicken and salad (whole chicken $2.50 from local butcher)
Tuesday - Fish and chips (fish $2.00 per pack at ALDI, I use potato gems or
chips about $2.00)
Wednesday - Pasta bake & salad
Thursday - Taco's
Friday - Baked beans (ALDI's are really cheap at around $0.40c for two cans)
Saturday - Chicken legs, pasta and salad (chicken legs $2.00 per kilo)
Sunday - Quiche & salad

I usually have all the meat I need already available, as I buy in bulk, so all I need to buy for the week are any other items to complete the meals. I buy salads and vegetables on alternate weeks - one week we have salad with everything, the next week I buy vegetables for all our meals. It may sound an unusual way of shopping, but this way there is no wastage; unlike when I used to buy both.

I don’t buy everything in bulk, but some items work out more economical, such as:
Bread - I buy bread from Coles after 6pm to take advantage of the markdowns - for example, $0.50c for a packet of bread rolls, or a loaf of bread.
Chickens - Patton’s, our local butcher have many great specials, including chickens for $2.50 each. I buy ten at a time and freeze them; they may not be huge, but plenty enough for a family meal, plus leftovers for sandwiches.
Fish - ALDI have oven bake fish for $2.00 per packet (the cheaper of the two
versions). They are like large fish fingers, and perfect for us. Combined
with the chips or potato gems, the whole meal for a family of four comes to $4.00.
This is a standard meal for us, and I make sure I buy plenty to last between ALDI visits. Ice cream - I wait for special offers so I can purchase five litres for $5.00 and buy in bulk.
It also pays to buy washing powder and toilet paper in bulk when on special, as they don't go off and you will always need them!

When I was planning my meals around the supermarket brochures, my shopping list was actually doubling - that was without any impulse buying as well! Another thing I also now do to cut down costs, is alternate a meat meal, with a non-meat meal. You will see from the menu plan above how we eat meat and vegetables one night, baked beans the next, or pasta bake and so on. We enjoy our meat, but find we can cope with every second meal being meat based, and it really keeps costs down.

We don’t eat cereal every day for breakfast, it works out too expensive - it’s actually more expensive to eat than steak! We have toast, eggs or grilled tomatoes. With the children, lunches are mainly sandwiches; the kids like their Vegemite, peanut butter and Nutella; the adults make use of any leftover meat. For school lunches, I dropped most of the expensive packaged goods (for example, Rollups) in favour of two sandwiches and a piece of fruit. They still have a lunchbox treat now and then, but it’s sometimes, not everyday.

One tip I have learned which has really helped me is that the family actually prefers me to cook from their range of ‘family favourites’, rather than consulting cookbooks or fancy magazines. If this is what they enjoy - stick to it and save yourself the time and money!

Instead of paying for one expensive doona, and the dry cleaning costs that come with it, buy two or three cheap doonas, pin them together at the corners, and put them into the same doona cover.

Because cheap doonas are thinner, you can wash them one at a time in your washing machine, and you can also adjust the warmth. When the weather starts getting warmer, just take one doona out of the cover and put it away in the cupboard.

As school has gone back, and exercise books need covering, I thought I'd share this money and time saving tip.

I bought a box of 100 plastic sleeves, just like the ones you clip into ring binders. These cost me just $1.50. I then cut off the spine and the bottom of each sleeve, leaving me with a piece of plastic that is the perfect size for covering exercise books. The spine of the book fits and holds neatly in the crease, and the overhang is the perfect width for folding over the edge and sticking down. So simple, and at $1.50 to cover 100 books, so economical too.

This simple tip saves money on toilet cleaners and air fresheners! A cheap and easy way to keep the toilet clean and smelling fresh is to make your own antibacterial spray. I have a spray bottle on the window sill filled with water and a few drops of tea tree oil. After each flush, we spray two or three squirts in the toilet bowl and close the lid. It keeps the room smelling lovely and our toilet sparkling clean without yucky chemicals.

Changing circumstances and a growing familly all added up to us paying a whole lot less off our mortgage than we would have liked. Pretty soon we would have started to go backwards. It was crunch time!

Using the Simple Savings calendar I identified our most expensive habits, and was astounded to see the amount of money that could have been saved. Our grocery bill was always around $200 or more per week. This amount did not include meat or bread that we get from the butchers and bakery.The trouble was, my husband loved all the expensive name brands for items such as chocolate biscuits, lollies and savoury snacks and was convinced that the cheaper or no name products would be tastless and boring. Week after week I would just automatically reach for these items, without even glancing at the alternatives. I knew as soon as my husband saw the packaging, the goods would remain in the pantry unopened, and he would then go and buy the brand name items anyway.

One week I kept mentioning to him that I was going to do a big clean up of the pantry and I was finally going to utilise all those assorted Tuppaware containers that I had never used. That week I substituted his expensive brand of snack foods with cheaper versions, emptied them into the assorted airtight containers and threw the plain packaging out before he could see them!

I also applied this technique to several other items; I would fill cheaper dishwashing liquid into Morning Fresh bottles, no-name hand wash into saved Palmolive dispensers, you get the picture. Our grocery bill went down from $200 to $140 per week - a saving of $240 a month!

When I finally fessed up to what I had been doing, my husband admitted that most of the snacks were just as good as the name brands, you just have to try a few out. All it took was some creative (OK, and somewhat deceitful) way to present the changes, but we have never looked back. Why would we, with a saving of $3120 a year? Plus of course, one very neat pantry!

I grow most of our vegetables to eat healthy and save money. I save all scraps to compost and I wanted a tumble composter. They turn lawn clippings and scraps into compost in 14 to 21 days. The composter is priced at $410. I bought a 240 litre plastic drum (cherry bin) from the local trash and treasure market for $5.00. My husband drilled holes in the lid. It doesn't have a frame but I roll it on the lawn for five rotations once a day and I make compost in 21 days. It isn't hard to roll but I can't empty it into a wheel barrow (I'm only five feet tall) so I spread a sheet of plastic on the lawn and tip it out onto that. The compost is fantastic.

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!

This hint was a saviour during our last $21 Challenge.

The girls were looking for lunch and complained there was nothing to eat, so I found a large plastic platter and put the following treats on it:

A leftover BBQ sausage, thinly sliced

Two slices of leftover bread, buttered and cut into quarters

A diced kiwifruit

Four strawberries

A small piece of cheese, diced

1/4 tin corn kernels in a lettuce leaf

A muffin, cut in quarters

Four leftover chicken nuggets, cut in halves

A dob of cream cheese with a little corn relish mixed in

Four cucumber slices

Four cherry tomatoes

One Vita Wheat, halved

I gave the girls and myself a saucer each, plus a cocktail fork and everything was eaten and enjoyed. Now we often have 'platter parties' for meals and snacks. A novel way to serve up a meal when you have 'nothing' to eat!