Recent Hints

DIY 'Cryovac' seals your food at home for free!

My savvy DIY food sealing method has saved me a fortune and is so easy! I like to organise meals ahead of time, and have at times thrown out food due to serve freezer burn. I researched Cryovac machines, but priced at anywhere from $400 - $500, not to mention constantly buying bags, it was out of the question. So I came up with a solution! I fill up a container, or the kitchen sink, and when I have the meals prepared in bags and ready to go, I slowly lower it into the water until it is almost level with the top of the bag. Then I just seal it shut. The water forces the bag together and pushes out the air. It works a treat and I have saved hundreds not having to buy a machine, replacement bags and also power!

By: Jessie Stokes 6 responses in the members' forum

Treating nails in a positive way keeps biting at bay

I have found the trick to keeping nail biting and picking at bay is to 'fiddle' with them in a positive way. I am 67 and have bitten my nails since I was about three years old. My parents tried bribes, threats, nasty brown stuff painted on my nails - all sorts. I grew my nails when I got married, when my daughter got married - and indeed have grown them since for various special occasions - so determination can help! I now have nails on my fingers, but still bite/pick at my thumbs. My dad said my fingers would become misshapen, and he was right. What helps me is to 'fiddle' with my nails in a positive way - emery boards, manicure tools, nail polish, the nail treatments to stop biting - the taste does stop automatic, thoughtless nibbling. I am not a chewing gum lover, but that can also help. I crochet too, which keeps my hands too busy to nibble at!

By: Christine S

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Hottest Hints

Confessions of a stay at home mum

I can hardly believe it but we have an extra $2000 sitting in our savings account! I have been a stay at home mum for 18 months. My husband earns a slightly above average salary, which allows me to stay at home with our son. We have a modest home, with modest furnishings and modest tastes. We haven't really had a financial plan since we got married two and a half years ago and have just been cruising along, saving a bit some months and spending it other months.

When I first left work I had full intentions of making a budget, planning our meals, organising our lives and generally being on the ball with our finances. Each month when pay day rolled around, I would say 'this is the month where I get organised!' But it never happened. I am the first to admit that I have been lazy, unmotivated, complacent and ostrich-like. I have been a member of Simple Savings for over a year and always thought we were doing OK and didn't really need to know all these ways to save money. I had heard of the $21 Challenge but wasn't really motivated to try it and we were ticking along as usual - until last month.

With baby number two arriving in three months we needed extra storage space so we extended our garage to make room for all our stuff. This extension made a dent in the savings account which although we knew it would, was quite depressing to see the balance dropping and dropping and not going back up. Lo and behold, motivation began creeping in!

I downloaded all our bank transactions for the month and was horrified to find that I had spent an average of nearly $260 per week on groceries for two adults and one toddler. There were lots of other things I was also horrified to see but I started with the groceries as it seemed easiest. Motivation knocked harder. I decided to take charge!

I read the first two chapters of the $21 Challenge on the website, put a copy of the book on my library request list and did a stocktake of my pantry, fridge and freezer. Imagine my shock when I discovered I had enough ingredients to plan meals for the next 19 days! That's not counting meals like scrambled eggs, pumpkin soup and the emergency baked beans on toast. We had enough food in the house to live on for over three weeks! We just needed fresh fruit and veges and that was about it. I didn't quite make $21 but my first grocery shop after doing the stocktake came to $61, down from $258 per week the previous month.

From then on I watched the bank account like a hawk and knew where every cent went. In previous months when the bank account got low, I would simply pull out the credit card and pay it off on pay day but not this month! This month it stayed in my wallet.

It's pay day again tomorrow and guess what? I have spent an average of $160 per week on groceries, saving us nearly $100 per week. By being aware and thinking to myself 'do I really need that?' and deciding 'no', the savings account has increased by a whopping $2250! That figure makes me weak at the knees! I can’t honestly say where the money has been going before now. We don’t have the latest gadgets, appliances or clothing. I am truly at a loss BUT I have to say I'm pretty proud of myself right now! At the same time, I feel a bit sick that I didn't do this 18 months ago, or even 12 or 6 months ago, but I've done it now. I am motivated to change my ways. I have goals. I have the energy to do this and I have Simple Savings to thank for giving me the tools to continue saving. THANK YOU!

By: Rochelle Weston-Arnold 11 responses in the members' forum

A lesson in responsibility

I've saved money and taught my daughter a valuable skill at the same time.

My twelve year old daughter has a passion for fashion, but little realisation that everything costs money. It seemed that every time I went shopping, there would always be something my daughter just had to have. It can be difficult determining if a request for something new is a necessity or not, so to stop myself sounding like the 'no police', I put the decisions back on my daughter.

I opened up a bank account in her name, with a key card attached. I worked out how much per year I would need to spend on her clothing, including shoes and accessories, but not school uniforms. I divided the yearly cost by 12 and I now deposit her monthly clothing allowance on the first of every month.

My daughter was so excited to have her own key card, and new responsibility. I did have to explain that when winter approached she would have to have enough money saved for new winter clothes and that she couldn't just spend her entire allowance every month.

Now, when we go shopping and asked 'Can I have one of those?' my answer is, 'Sure, can you afford it.' I am amazed at how many times something is picked up off the shelf as something she just has to have, yet we end up leaving the shop without it. And, I'm thrilled that I no longer have to be the one who says 'no'.

It has only been a few months but I have already saved a small fortune and my daughter is learning how to budget.

By: Josey99 24 responses in the members' forum

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