When I separated from my husband and was left with three children, I had no income apart from the pension. Food was getting very scarce, so I had to become creative. Every second week I drove to Flemington fruit and vegetable markets in Sydney (about closing time when most food is the cheapest), bought food by the boxes, and spent the whole day processing it. I made vegetable lasagnes, which I would freeze, all sorts of sauces, vegetable selections for stir frying and steaming, mango ice blocks (pureed mango only) and so on. We would use the most perishable fruit and vegetables the first week and the others later. Eventually we started to have an overabundance of food.

Then I told a few friends of my system, and very soon I was running a little co-op. I started to go to the markets every week and buy a greater variety of food. I got my fruit and vegies free and could also split up my petrol bill for the week amongst participants of the co-op. They got their food much cheaper than in the shop, and I got my food and petrol free.

Apart from that we had the freshest food, with fresh fruit or vegetable juices every day. Out the window went fizzy drinks and any convenience foods. It is now about 14 years since we started to eat like this, and we don't even have a family doctor, because we hardly ever get sick. How much we saved on medicines I cannot even begin to calculate.

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.

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!

I use a simple principle every day, which helps me save money in all areas of my life. I try to reduce my use or consumption of what I normally do by 10%. The rewards are enormous. For example, if you spend $200 a week on groceries, try reducing it by $20 over 52 weeks and straight away you have $1040 extra in your pocket. You and your family won't even notice the difference, as it equates to less than $3.00 a day!

If you apply this principle to all areas of your life - petrol, electricity, phone calls and so on, the savings are huge even though the sacrifice is not even felt. It not only saves money but also the planet by reducing your overall consumption. Once I achieve this 10% reduction, I do it all over again! Every quarter after the electricity bill comes in, I then set myself the 10% goal anew to keep myself on track and to challenge myself to reduce further. This means the $180 grocery bill then reduces by a further $18 a week and so it goes on. I have done this only to a point where it is comfortable and achievable. Because it is baby steps it is easy and fun and not painful! We have saved hundreds, if not thousands, in the last year or two and are not feeling so pressured by the mortgage rate rises. Best of all is that we haven't noticed any difference to our lifestyle.

My husband is self-employed and over Christmas and New Year we were waiting on a payment that had been due in November. I had not done any shopping for over a month, and we felt like there was nothing in our pantry, especially my five kids who repeatedly moaned ' there's nothing in here!’

Of course, that wasn't the case. It's amazing what you have stashed away in containers or hiding at the back of each shelf. On a closer inspection, we found dried beans and lentils, flour, sugar, cous cous, rice and lots of other bits and pieces.

We managed to feed our family of seven on the 'nothing' in our pantry for another two weeks. We are lucky enough to keep chickens, and have a very basic vegetable garden, so all I really needed to purchase was milk. We made pancakes, pikelets and scones, and even a chocolate cake with the cocoa we found - these snacks kept the kids, and hubby, very happy!

We survived until our very overdue payment finally arrived. We have now decided that we will eat the cupboard clean every month, as this encourages us to save money by using what we already have and by not allowing things to go out of date.

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!

If you've just boiled up a pot full of spuds and are about to tip the water down the drain, stop right now! That water is full of nutrients and vitamins and can be used again.
 
Next time you have potato water, you may like to try using it for soups, gravies, stews, as a base for making stock, liquid in baking biscuits, breads or pancakes, or a broth drink! You can even leave it to cool and pour over your garden plants.
 
I have achieved fantastic results since I started to use the potato water in my home-made bread, rolls and buns. It's a great way to get additional nutrients from our foods and a big water saver.

Over the past four years I have been fighting my way out of debt. I was left with a large amount of debt when my marriage ended and it seemed I would never find a way out, working nights to support myself and five children and trying to reduce the debt in some way. Then, instead of just reading Simple Savings I began implementing as much of it as I could. Along the way I found that things I previously thought were impossible are just every day now!

Two of my children have now left home and are independent and I have three daughters still living with me. I have found new ways to feed them and where once they would have baulked if I offered them home-made soup after school, they now eat it with relish. A home-made frappe was dessert last night and they were happy and satisfied with that. Fruit jellies, home-made scrolls and calzone along with the batch of cake and muffins or bikkies I make are average snacks and lunches. School lunch today was home-made soup with home-made pizza scrolls. It certainly took a while to change their views from believing that everything had to be store bought and chips were the afternoon snack.

I am now debt free and have savings - something I never thought I would have! Bulk toilet paper, bulk washing powder, skim milk powder, and bulk meat buys at a discount butcher and fruit from the growers has saved me a small fortune.

I recently moved in with my partner to his home with the girls and together we have been able to make more and more changes which once would have not been thought possible but with small steps we have cut out television unless it is a special documentary or one of the two shows per week we deem suitable. The girls now play outside or garden, or read and do homework after school instead of being glued to the 'box' and they haven't asked to play Nintendo for weeks now. Water or weak cordial is the staple drink, with the occasional juice for a treat.

I am now a stay at home mum and as long as I can feed this family, pay for petrol in my car and keep the girls clothed for under $500 per fortnight it will stay that way. I am working hard to make sure these dreams come true.

In reality there is no sacrifice - you just need to know what you want and aim for it every day.

Saving $1.00 a day has helped me afford things I would have otherwise struggled to pay for. I started doing this when my sons started at a private school in the city. They would be invited to several birthday parties throughout the year, so to ease the financial burden of gift giving I used my money box. At the end of the year I would use whatever was left to buy school supplies for the following year.

My children have left school now but I still save my $1.00 a day which I use to treat myself to a pedicure, go to a movie or have coffee with friends. It's such a small amount each day that I find it doesn't really affect my household budget, but it always came to my rescue when I needed it, and now affords me my treats.