I’ve saved countless dollars on expensive gourmet ice cream by getting creative with the cheaper varieties. My kids love it when I buy them what they call 'special' ice creams. These are the expensive varieties that come in exotic flavours and cost between $7.00 and $9.00 for a two-litre tub! Needless to say, they really are a rare treat. However, during the school holidays, my kids and I became gourmet ice cream chefs! Using a four-litre tub of Home Brand vanilla ice cream (that cost $4.59), we scooped it out of the tub and let it sit at room temperature for a few minutes. Then we mixed green food colouring, a couple of drops of peppermint essence and some chocolate chips into the softened ice cream to create our very own Mint Choc Chip flavour! We placed it in an airtight container and popped it back in the freezer to enjoy later. The kids were so excited to have made their own special ice cream that we have since concocted many different ‘gourmet’ flavours just by adding ingredients from the pantry.

Save hundreds of dollars on learning computer skills with Hewlett Packard. Their website (www.hp.com) offers free online classes. Become proficient in Microsoft Word or Excel, take better photos and learn heaps of craft ideas to use them with. There are assignments at the end of each part of the course and a short quiz. There is also a message board to leave messages for the instructor and see how others are finding the course or even share ideas. There are two lessons available per week and you receive an email to let you know when each lesson is ready. You even get to print a certificate at the end, stating you have completed the course.

There are various courses available - some for small businesses and others for hobbies such as scrapbooking. Another bonus is you can print each page of the lessons as you go and keep them for future reference. Similar privately run courses or through WEA can cost a minimum of $100!

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!

For many people juggling work, family and study, time is the most important saving they can make. I work four days a week, have a three-year-old and studied part-time for a diploma for a year. I got by with these time-saving tips:

1. Lowering my expectations for the house. I don't need a spotless house, but a tidy and lived-in home.

2. Doing my housework little and often, rather than spending huge amounts of time tidying up. I do things like:

- put my little one's daycare bag together for the next day as soon as we get home in the afternoon.
- cook my lunches (pasta and sauce, muffins and so on) once a week and freeze them.
- put my lunch box together from the freezer in the evening.
- clean the toilet by putting a teaspoon of Napisan in it each night. It soaks overnight and the bowl is clean with the next flush.
- do laundry when enough for a load accumulates so we don't have a sudden clothes drought, then an avalanche of laundry to do and put away.

3. Exercising on a stationary bike in front of the TV in the evenings after my little one is in bed.

4. Programming our DVD recorder once a week (Sundays when we get the new TV guide) so I don't miss my favourite shows.

5. Filling cereal bowls with water if I am rushing and have to leave the breakfast things. This makes them easier to clean later and stops ants.

6. Trying not to double handle things. Rubbish goes straight in the bin, meat is put in meal size portions in plastic bags and frozen as soon as it gets home, magazine subscriptions go straight to magazine rack when they arrive in mail.

7. Leaving rooms better than when I arrived, so the need to tidy doesn't build up. It only takes five minutes to put laundry from the floor to the hamper, make the bed, wipe a bench, replenish the toilet paper.

8. Recruiting my little one to help - she's only three but she can put dirty dishes in the sink, put toys away in her room, dirty clothes in the hamper.

9. Shopping for groceries by myself in the evening so hubby can watch his TV shows in peace and I am not tempted to go to other stores as only the supermarket is open. Also many things are marked down at that time.

10. Trying to do three things for myself that make me feel happy each day, like listen to podcasts while I do the housework.

11. Writing the shopping list progressively through the week so I can pick it up and go when it's time to do groceries.

12. Storing the bedding in storage containers under each bed so it's quick to make the bed, especially when changing my little one's wet sheets in the middle of the night.

13. Shopping for presents at sales during the year (online or in stores) so I don't need to go to crowded stores during the Christmas rush.

14. Not beating myself up if I find lifestyle changes tricky at first - I am afterall human!

I saved quite a lot of money today at the supermarket because I took along my own, personal List Supervisor!

Every week my five-year-old daughter, who loves to read and write, writes down our shopping list that I dictate to her. She then gets to be 'in charge' of the list at the supermarket and has the job of making sure we don't get anything that isn't 'on the list'! She takes her job very seriously (as five-year-olds do), and whenever I pick up an item that hasn't been written down she pipes up 'That's not on the list!' - and so I put it back! Even items that were treats for her are sent back to their place on the shelf as she exclaims 'Uh-ah Mummy, that's not on the list!'

There are many benefits to employing a List Supervisor - we save money every week, we don't buy as many unhealthy 'treats' and I don't have a bored, nagging child at the supermarket as she is too busy doing her 'important job'! It's a win/win situation for everyone!

I am richer than I've ever been thanks to my Simple Savings outlook. When I first joined SS I made a number of small but significant changes to my life and the savings and benefits immediately began to add up. Here are a few of them:

I almost halved my grocery bill in a month - it went from $815 in February to just $430 in March when I started shopping at Aldi and carefully tracked every cent. I discovered my 'inner baker' and instead of buying cakes and biscuits, I baked them from scratch at home. When my washing machine broke down, instead of having to pay out $700 for a new one my wonderful boss gave me an old spare machine they had and no longer used. I made two calls to my insurers, one for my car and one for my house, and found I could save $150 and $400 respectively on my yearly payments. I checked my mobile plan. Because I hardly use it, it was not working in my favour. I changed to a prepaid plan and now what I spend is what I use.

And, finally, I stopped looking for another job to earn extra money. Every dollar I save means time I don't have to work. I am now building my 'wealth' every day in more ways than one.

Many of my friends I used to envy have new cars, impressive houses, expensive clothes - and huge credit card bills. They holiday in Bali or Queensland but work 40 hour weeks in order to do so. They pick up tired and stressed children from after school programs and feed them take away foods because they're too short on time and energy to cook from scratch.

I have a 13-year-old car, a 1980's house, cheap clothes - and NO credit card debt. We holiday three times a year for a week at a time in our trusty 80's caravan and I work 20 hours a week, during school hours, for four days a week. I have one day just for me (or housework). My children walk to and from school and come home to baked goods, home-cooked meals and a happy relaxed household. I'm there to oversee and help with homework and I watch all their sports games.

Ask me again if I want another job to have the 'stuff' I once thought I wanted/needed and my answer will be a clear, precise, 'No way'. Thank you Simple Savings for helping me to step back and see what's really important in life.

We all know how convenient it is to grab a packet of cake mix off the supermarket shelf, but you can save a lot of money by making your own. This recipe is really easy to make and you can store it in the fridge for up to three months or for longer in the freezer.

Ingredients:

250g self raising flour
185g caster sugar
2tbsp milk powder, skimmed or full cream
125g butter

Method:

Sift or process all dry ingredients until combined, and then rub in or process the butter.

To make the cake add:

2 eggs
1tsp vanilla essence
1/2 cup water

When these ingredients have been added to the cake mix, beat the whole lot until combined. Bake at 150C - 180C for 30 minutes if making one cake, or 20 minutes for smaller cakes. For variety, add coffee, cocoa or anything else you like. This is as good as shop bought cake mixes and half the price!

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!

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!