Here's how to lose weight and save!

A couple of years ago I joined Weight Watchers and went to four meetings. Joining was free from a coupon in a magazine but the meetings cost something like $15.95 each. I couldn't get motivated!

A few weeks ago, as I was bucketing the bath water into the toilet cistern to save water (a tip from Simple Savings), I realised that I am doing the exact same thing that Weight Watchers meetings could not motivate me to do. At WW the main things they encourage you to do are to eat 10% less at meals (this also helps the budget at shopping time) and to exercise more (this comes from carting water between the bath and the toilet and using the rain water tank to water the vegie patch and so on).

I am now losing about half a kilogram a week without even trying and I'm not paying $16 to do it. In fact, I'm making other savings as well - our last water bill was $40 less than that for the same time last year.

What has also happened for me in the last few months is that while saving money I have also become better at time management - planning meals for a month and shopping with a list have cut out a lot of unnecessary trips to the shops (not to mention the extra expense). I have cut $60 from my husband's spending money by supplying his lunch every day, along with some soft drink, a large bottle of water and a snack. He is happy because he still has a small amount of 'sanity money' in his pocket to splurge with every week.

My food budget absorbed this when I switched from a lot of brand name products to BI-LO brand products - I save from as little as $0.10c per item up to a couple of dollars per item. The biggest savings I make come from bulk buying - last month BI-LO had five kilograms of potatoes for $5.00, but when I went to the greengrocers they had them at $6.00 for a 20 kilo bag. These lasted for about a month and I couldn't bring myself to go to the fish and chip shop when I had 15 kilograms of 'free' potatoes in the pantry, so we had home-made wedges instead, saving another $6.00.

The excitement of saving money has also inspired me to do the things that I don't enjoy so much, such as mending and ironing, and I am gradually working my way through every room and cupboard, taking inventory of what can be used and how best to use it in a way that will save me money. I never thought I would actually look forward to going through years of accumulated junk! By organising my house, I am becoming a 'cleanie' and leaving the old 'messy' me behind - and I am enjoying every minute of it!

I am saving around $8.00 a week on expensive air fresheners and bug sprays, thanks to a kitchen mishap! After spilling some cloves during Christmas cooking, I boiled them in 250ml of water. The house smelled wonderful! I let them soak for a couple of days, then poured the water into a spray bottle where it became an instant room and cupboard fragrance. I use the spray to wipe all the kitchen cupboards and not only does it keep bugs away, the aroma is delicious whenever I open the cupboard. No more expensive chemical sprays for me!

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 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!

I have finally convinced my three daughters that eating a healthy lunch, including sandwiches with salad, is not only good for them but tastes great too. However, soon after changing their lunch habits, I found that this method was taking a large chunk out of our budget.

Being a working mum, it was easier to stop at the supermarket on the way home and buy pre-packed salad ingredients, but I soon discovered it was adding around $55 to the weekly budget. Plus, buying cold meat to match everyone's tastes added another $40 per week. I decided it was time to cut down. After doing some homework looking for the best prices and quality, I now purchase a bag of carrots, a couple of fresh beetroot, some fresh bean sprouts and cucumbers and a variety of lettuce. I noticed that by purchasing these items late on Sunday afternoon, I can pick them up even cheaper.

I grate my own carrot, beetroot and cucumber, throw in the bean sprouts and store in the fridge in an airtight container. I tear up the lettuce leaves and mix together in a plastic shopping bag and store in the vegetable crisper where they stay fresh and crunchy all week. My salad ingredients now cost less than $10 per week and they last longer. Throw in a small portion of sundried tomatoes for my hubby and I add approx another $1.50 to my total.

Instead of buying cold meat from the supermarket deli, I now purchase a couple of extra chicken breast fillets from my Asian butchery for around $4.00; this is cheaper than ALDI or any other local fresh meat source. I cook and shred the chicken myself while tinned salmon and tuna add extra variety; a $0.69c tin of tuna covers two lunches when added to salad. I purchase mince when it is on special and make a large batch of meatballs, which are frozen and used over a period of weeks as another filling alternative. Another favourite is home cooked corn beef; rather than putting the leftovers in the fridge, I slice it thinly and freeze for another filling choice.

My three girls are now involved in the Sunday afternoon preparations. Whilst my eldest daughter is madly grating the salad items, I tear up the lettuce and my younger daughters have great fun mixing the meatball ingredients and rolling them ready to cook.

Our family of five is still eating yummy healthy lunches but for $70 to $75 a week less than before!
We also have the added bonus of spending time together while we prepare and my daughters are learning new skills too.

Our wonderful daughter is a saver on the grandest scale. At 29 years old and earning a modest wage, she is building her first mortgage free home on five acres; as well as flying out to Bali for a holiday! She has had several serious health problems but is amazing in her efforts to follow her plan, thanks to the support of her equally admirable husband. Their two horses and two dogs are greatly loved and their lifestyle is totally free of unnecessary expenditure. They own their block of land, furniture and vehicles as they need them to drive to work.

To save rent while rebuilding they bought a duplex then removed junk, scrubbed, painted and renovated by finding the best way to build fences, roof a pergola and fix the faults. Meanwhile they have fenced their own block of land, installed gates, had a bore sunk, built open stables themselves with salvaged material and negotiated the big expenses of shed, driveway and site costs.

They are not without experience as she purchased her first property at 19, a unit which she and her father gutted and renovated. Her husband joined in and renovated a property, then they renovated a joint property before they purchased five acres, built a house and developed it for resale so that they could buy their current land. Recycling has included rescuing old baths for horse water troughs, finding a kitchen sink for a fish cleaning bench and rebuilding an old horse float. They planted and watered tube stock trees, had family members grow cuttings and even used the horses to mow the lawns. In fact one horse was purchased for the knacker's fee and the other was free.

No, she hasn't benefitted from a first home buyer's grant as she was too young at the time of her first unit, or from family gifts. Just planning, following her dream and sticking to the budget. It works!

I am saving an amazing $100 a year on home-made pancakes! My family love it when I make pancakes for them but being a typical time-poor mum, I only ever made the 'instant' type in the plastic bottles. The trouble is that one bottle only lasts one pancake making session, so not only is it costly but I would also have liked to have enough be able to make extras for lunches and so on.

Then I recently stayed with a friend who was making up this Bulk Pancake Mix to put in a breakfast hamper for her elderly dad. She kindly shared the recipe with me and now our family gets to save $100 per year and we also contribute around 75 less plastic bottles a year to landfill too!

Bulk Pancake Mix (Makes 7 - 10 pancakes):

6 cups plain flour
2 tablespoons baking powder
1 teaspoon salt
1 cup milk powder
3 tablespoons sugar

Method:

Mix together the following lightly -

1 1/2 cups pancake mix
3/4 cup water
1 egg
2 tablespoons oil

Cook in a non-stick frypan over a medium-high heat. No more 'plastic bottle pancakes' for us!

I loved my friend's idea of bagging it up for a present too. She was putting hers in a large plastic ziplock bag, wrapped in brown paper and tied with a gingham ribbon, with a bright red cup measure and the instructions tied to the top - very cute!

I only need to shop for food once a month and am saving $3000 per year on feeding our family of six.

With four children, I was spending at least $800 per month on shopping, so I came up with a plan to try and cut costs. I went through recipe books and chose meals that I was going to cook for dinner. I wrote a list on an A4 page for every day of that month and what I was going to cook for each day. Then, on another page I wrote all the food items that I needed for the recipes I had pre-chosen and that was my shopping list for the month.

The best thing is I now knew what I was cooking every day, without walking to the fridge and thinking 'what am I cooking?' I also put the A4 page of what we were having for dinner on the fridge and the family knew what we were having each day without asking me!

To start with I went shopping every fortnight for food, but now I do it once a month and only spend $550 each month.

Before I began this routine, I was spending $9600 per year on food for four children and two adults - now I am spending $6600 per year! The extra $3000 we save each year goes into our children's bank account, which they just love!

I took on the $21 Challenge, and won! However, my husband was a rather grumpy participant; he loved the savings but not the lifestyle during Challenge week. As he goes away regularly, I decided that every night he's not home for dinner would become a $21 Challenge night for the kids and I - all meals must be made from ingredients I already have at home, and I can only use ingredients that have not been allocated for other meals. This saves money and gives me a night off cooking, as my Challenge meals are usually simple affairs, sometimes as easy as pancakes or toasted sandwiches.

The true value of the $21 Challenge became apparent when a friend was recently diagnosed with a severe form of leukaemia. She is a married mother of four boys and is embarking on a long therapeutic journey that will hopefully lead to a full recovery. As a way of helping her family, the parents at our school have banded together to make all their meals for the next three to six months. As they are a large family, with an above average food requirement, I was unsure how I could afford to help feed them each week. Thankfully, my husband was away the week my friend was diagnosed, so the kids and I lived off the $21 Challenge that week and all leftover money was put into making meals to freeze for my friend's family.

We now do the same thing whenever my husband is away – it's a great gift over the Christmas break to know that I can afford to cook and freeze meals for my friend's family, and look after my family at the same time. Thank you.

I can make hundreds of litres of liquid plant food from just $12 worth of Dynamic Lifter pellets! This will buy a 10kg bag. Just add around four handfuls of pellets to a nine litre bucket of water and let steep for a couple of days, mixing occasionally. When you have a nice 'tea', pour a couple of litres of the liquid, into a nine litre watering can, top up with water and give your garden a drink. Repeat until all the 'tea' is gone, then add more water to the residual at the bottom of the bucket and repeat this process. As the mixture gets weaker, you can use on seedlings, vegetables and more delicate plants such as azaleas and gardenias. The 'weak' mixture can be used as a health tonic or sprayed directly onto the foliage of plants (remember not to spray if the weather is over 20 degrees Celsius, as this will burn the foliage). Once you get to the real weak stuff, simply pour the residual under a tree and water in well.

You can also make hundreds of litres of liquid fertiliser from a 10kg bag of Blood and Bone pellets at an initial cost of approxiamtely $1.20 per kilo. Compared to a litre bottle of liquid plant food (such as Seasol) which costs about $10 and will make just over 300 nine litre buckets (going on the manufacturer's average of 30ml per bucket), your bag will make many hundreds of buckets of first grade solution followed by many more second and third grade 'weak' solutions which are ideal for foliar feeding. A huge saving, which will give you enough fertiliser to last you a whole year or more!