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!

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!

Bi-carb soda and vinegar replaces other cleaners

I have saved heaps by no longer buying expensive cleaning products. To clean my toilet, bath or shower, I quickly wet the area and let most of the water drain away. I then sprinkle the whole area with bicarbonate soda, using a small shaker (you can get them at Kmart for a few dollars). I then spray it with cheap white vinegar in a spray bottle. There is a slight chemical reaction that dissolves all the mould and dirt. Leave it for a few minutes to work. You still have to scrub a little and you may need to re-do any heavily soiled areas. It also works for benchtops and sinks, it's a cheap alternative to chemicals and good for the environment too.

Half price ricotta

Make your own ricotta cheese and save at least 50% on the inferior product you buy at the shops!
 
Whenever I buy ricotta cheese it usually goes off in the fridge while I figure out what to do with it! But recently, Better Homes and Gardens featured a very simple recipe for ricotta made from scratch.
 
Ingredients:
 
2L milk
4 tbsp white vinegar
 
Method:
 
Heat the milk until you see small bubbles at the side of the pan. Turn off the element and add the vinegar. Strain the curds off the top and then drain through a butter muslin cloth. Really easy!
 
Two litres of milk makes 500g of ricotta cheese. While in the deli the other day, I noticed they were charging $1.00 per 100g, or $10 a kilo! I shop at ALDI, which charges $2.20 for two litres of milk – that equates to $4.40 a kilo, less than half the price of store-bought ricotta. Plus, I no longer waste the product that I buy and never use. It also sounds super impressive when you tell people you make your own ricotta from scratch!

You can find the footage at http://au.lifestyle.yahoo.com/better-homes-gardens/tv/watch/-/6888083/ricotta/