Dishwashing liquid breaks down hard to remove stains

I have found a cheap and effective solution for tough laundry stain removal! Stains such as fats or body odours can be notoriously hard to remove. Normal washing powders may be made for getting out dirt and stains but not for breaking down fats and body fluids. To combat the problem, I simply add a squirt of dishwashing liquid to the wash, along with my normal powder and soaker and it works like a charm. After all, it breaks down grease and fatty food residue when doing dishes, it makes sense for it to work on clothes too!

My health insurer saved me hundreds on travel cover

I have saved $400 on my travel insurance, thanks to my health insurer! I’m going to Europe for six weeks and know the importance of travel insurance. I have a credit card that offers complimentary health insurance, but the underwriter has changed and now NO pre-existing condition is covered. I’ve had a few accidents and illnesses that their previous underwriter covered previously; but the new underwriter said No to ANY pre-existing injury, even if it was healed and needed no further treatment or medication. So I had to independently take out cover for $620 for the six weeks I’m away. In an attempt to offset the cost, I phoned my existing HEALTH insurance. After talking with them, I have suspended my insurance for the time I’m away, and a few weeks when I’m back in Australia, which is two months in total. This has saved me $400 for two months, therefore reducing the cost of my travel insurance to only $220. My annual credit card fee is $150, so I will be cancelling that as well, as it no longer is worth the money if I am not eligible for cover with their travel insurance. So all up, a saving of $150 plus $400 adds up to $550 in total. No small amount and will certainly help fund my travels!

How to plan meals for a family of six

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!

Keeping track of spending is as easy as 1,2,3

Instead of adding up when you do your shopping, why not deduct? This hint explains all.

I no longer use a calculator when I do my grocery shopping. Something to do with always pressing the wrong button and clearing my calculations!

Now, I simply write how much I can spend on my shopping list and when I put something in my shopping cart, I subtract a rounded amount from the total. For example, if I have $100 to spend and I buy milk for $3.89, I subtract $4.00, leaving me a total of $96 to spend on the rest of my groceries.

By making these deductions with every item, you always know how much you have left to spend. Makes it easier to budget and certainly beats using a calculator!