I make home-made yoghurt in my EasiYo maker for as little as $0.50c per kilo. You don't need to buy the special sachets, all you need is milk powder and a couple of tablespoons of plain yoghurt. I just use 1 and 1/3 cups of milk powder and two heaped tablespoons of yoghurt (saved from the last batch). Easy, cheap and delicious!

We had the chance to travel overseas several years ago but had to save $1000 to make it happen. On one income with two small children it seemed impossible. Then I had the brainwave - I didn't have to save $1000, I had to save $1.00 a thousand times! This was so much easier - a generic brand product at the grocery store, a chocolate bar at the petrol station and so on, soon added up and the savings contributed to a great family holiday.

I had been living beyond my means for some time and knew I needed to trim my spending. For the last couple of years, I had been pretty careful with purchases, but was not succeeding in 'cutting my coat according to my cloth'. About eight or nine months ago, I decided I would only spend cold hard cash. I withdrew what I could afford to once a week from the bank and forced myself to make do with that until the following week. What a shock! The first couple of weeks, I was penniless within 24 hours and had long lists of unpurchased 'necessities'. My grocery shopping barely covered the bottom of the trolley. (What a joy when it came to unpacking it!) I discovered I could do without many things and started making all food (including bread) from scratch. Most things tasted better and I enjoyed cooking. I started buying vegetable seedlings and growing them, but have had to trim that back to seeds to supply us with enough. The junk food and alcohol are long gone - the money never makes it that far. I lost weight! But I still wasn't making ends meet, so I had to cut back on contents insurance. The result has been that I am more careful with what I do have and am becoming less concerned about material possessions as I am not acquiring expensive new ones anyway. I had more free time on the weekends as I didn't 'have' to scour the newspaper for the best buys and then rush around putting them on the credit card. However I still needed to trim my expenses, so I had to forgo my medical insurance. I find I am now so much more careful with my lifestyle, diet and exercise and I suspect it is because my subconscious knows that there is no comfortable private hospital or top specialist waiting for me if anything goes wrong.

Petrol is still a thorn in my side and I am very conscious of the percentage of my hard-earned money that is going on harming the environment just to get me to work. Tomorrow I have an interview for a less 'glamorous', but otherwise similar job within walking distance of my home. This would also increase my exercise. So far, the follow-on effects of spending only cash I have in my hand have not ended. But each time I have had to make a tough decision about which 'necessity' to forgo to live within my means, I have discovered that going without is not as bad as I feared and that, oddly enough, I am now healthier, happier, less rushed, more in control of my life and proud of my resourcefulness than I ever was when I had everything I thought I needed.

When shopping for large furniture items, it's well worth asking the furniture retailers if they have any damaged stock. We saved over $400 on our beautiful new dining table. Thanks to putting into practice some hints from Simple Savings, my husband and I found ourselves with enough money saved to spend on a new kitchen/dining table.

We shopped around for a long time. We knew we wanted something big - an eight-seater preferably, with a beautiful wood grain and lots of character. We looked at second hand as well as new, then finally found one we loved. But the price, at $930 was still beyond our budget. We sadly let it go.

Several days later I had a thought and I convinced hubby to go with me back to the shop again. We got talking to a sales person and I decided to be completely honest. 'We love this table but we just can't afford it at that price - can you do a better price?' He did a few calculations but the answer came back 'No'. I said we'd even be willing to consider a damaged table if they had one.

He thought for a minute, and then rang one of the guys out in the warehouse. Sure enough they had the table we wanted, in the eight-seater size, with a scratch on it. He arranged for us to go and look and - we got our beautiful mahogany table, imported from India, for half price (a saving of $465).

We don't mind the scratch at all - in fact, when people admire our gorgeous table (which they do all the time), I proudly point out the scratch to them (which they would probably not even notice otherwise) and tell them the story of how we would never have got the table if it weren't for the scratch!

Going out of my way to present well to prospective landlords has really paid off for me. I recently had to find a new rental property and found that the open inspections where attracting many families at a time. Being a single mum of four, I knew I had my work cut out for me trying to get something over the two-parent families.

I decided I would write a covering letter as an introduction to the land agent/owners. I wrote about who we were and even what schools the kids went to, to show we were already established in the area, where I worked for the same reason. I got friends, my employer and my pastor to all write character references for me, which I copied and added with the letter. I also have a dog, which can be a problem so I got my then-current agent to write a reference for my dog too, which I also copied and added with the letter. I then attached these to the application, along with copies of my last four weeks' payslips and a payment summary from Centrelink.

The first house I applied for had more than 20 families and most of them were two-parent families. I added all the above mentioned stuff to my application and I was happy to receive a call the next day to say I was successful. I asked the agent if my letters and other details had helped and he told me that they had been the deciding factor. They liked that I had taken the extra step and cut out some of the work for them. They also appreciated that I had been so open with them. I would recommend this to anyone trying to rent a place. It takes only a little time and effort but could be just what you need to secure a house!

I make these Cheesy Ham and Corn muffins, which are delicious and at only $0.44 each to make, give me and my family something tasty, cheap and healthy in our lunchboxes. They are yummy cold, or heated up in the microwave.

Makes 12

Ingredients:
1 x 310g can of corn (reserve can for measuring)
½ cup reduced fat milk (1/2 ‘can’)
2 eggs
2 cups of self raising flour - I use wholemeal (2 ‘cans’)
Pinch of salt
2 cups reduced fat grated Australian cheese (2 ‘cans’)
2 slices ham, cut into strips
2 teaspoons English mustard

Method:

Whisk together corn, milk and eggs in a large bowl until combined. Add remaining ingredients and stir until just combined.
Spoon mixture into non-stick ½ cup muffin tray.
Bake at 200c for 15-20 minutes or until golden brown and cooked through.

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!

Slash your washing powder costs by using a tablespoon of washing powder in your machine instead of a scoop. It works just as well! My sister was learning about budgeting and the speaker mentioned that you could get the same wash results by using one flat tablespoon of washing powder as you could if you used a whole scoop. I decided to test this theory and found that even with a full load of washing this proved to be true. I buy a top brand washing powder that costs around $10 per two kilo box and it contains around 148 tablespoons. I used to go through a two kilo box of powder every four to six weeks when I was using a scoop. Generally I do a load of washing every second day, so using one tablespoon per wash, my box of washing powder should now last me nearly 10 months! Just changing this small habit will save me $90 every 10 months on washing powder!