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!

Make your own nut butters for a fraction of shop prices

I save a fortune on buying nut butters by making my own. Almond butter, cashew butter and good quality peanut butter can be fairly expensive to buy so instead I buy roasted almonds for about $4 at a bulk supplier (Bin Inn if you're in NZ) and blend it in my Nutribullet with the addition of a smidgeon of olive oil. This gives me twice the quantity of a shop-bought jar which would cost at least $12! You can also add a little honey or chia seeds to add variety. I use the same method to make cashew butter. I simply buy 200g of cashews for $4.80 from an Indian grocer, roast them in the oven and blend them with the addition of a little olive oil to start the process. At around $15 a jar to buy at health food stores, this is a terrific saving!

An organised family is a happy family

In the spirit of getting organised for May, my tip has to do with letting go of control and coming up with organisational ideas that work with the people you love.

For example, my partner is a wonderful, talented individual who wouldn't know how to put away his clothes even if he was bribed! Clothing was constantly strewn over the floor, on the furniture or stuffed into cupboards and this drove me to distraction on more than one occasion.

Finally it dawned on me that the neatness issue was mine and the organising issue was his, so I discussed what would work best for him. I found out that he would prefer a single place to keep all his clothing, something portable and easy. I went away and, based on what he had told me, set up a system consisting of one large plastic tub on wheels and one small wicker basket. I placed both of these in the bottom of the wardrobe.

Clean clothes now go in the tub and dirty clothes in the basket. When the wicker basket is full, it goes in the wash; I made sure the basket was the same size as a machine load. When washed and dried, the clothes go from the basket back to the tub. Simple!

Now I have a clean bedroom and my partner can always find clean clothes. As a bonus, he's reduced his washing by two-thirds because he is only washing dirty clothes, not a mixture of clean and dirty.

Best of all, there is no longer friction surrounding the tidiness of the bedroom. The idea of working with those you love to create a harmonious living environment, where their needs and ways of doing things are heard and acted on really can have a positive impact, both financially and emotionally.

A platter from 'nothing'

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!