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!

Keep nail bitten hands busy doing good

I have found an easy way to stop biting my nails and do a good turn for others at the same time! I have bitten my nails all my life, and especially do so when I sit down to do something like watching TV, when my hands are idle. A couple of years ago however, I began crocheting for charity and gift giving during these times. While being more conscious about what my hands are doing, I am also creating things to bring happiness to others. My nails grow and are stronger than they were, my hands are away from my mouth and I don't have the same urge to bite my nails!

$13 mince mix makes base for 7 meals

This super basic mince recipe saves me up to $100 a month on takeaways, thanks to the convenience of having meals already 'half made'.

All you need are:
2kg minced beef
2 cups of red lentils
2 tbsp of vegetable stock powder, or four vegetable stock cubes
1 tsp dried garlic granules
1 dsp dried onion flakes
4 cups of water.

Place all the ingredients into a crockpot and cook on high for two hours, stirring every 30 minutes. It should be thick, aromatic and an unattractive brown colour (don't let this worry you!).

One batch costs just $13 to make and is enough to serve as a base for seven meals for our family (two children and two adults). This saves heaps of money and time too. I usually freeze the mince in margarine tubs, as that seems to be the right amount for one meal for our family.

The meals I made are:

1. Piemaker pies.
   Allow one heaped tablespoon of basic mince per pie. Pour the mince into a small saucepan and add a large spoonful of gravy powder, or a dessertspoon of cornflour and some Vegemite for colour. Heat and stir until thickened. Spoon into pastry cases and cook in the piemaker.

2. Mexican enchiladas.
   I use Mountain Bread or make my own crepes. Lay the bread or crepes in u-shapes in a large baking dish. Mix the mince with an equal amount of tinned or home-made refried beans. Spread the mixture in a sausage shape down the middle of each crepe, fold each side of the crepe over, sprinkle with grated cheese and bake at 180C until the cheese is melted and bubbly. Serve on a bed of rice, topped with natural yoghurt and some salsa.

3. Stuffed capsicums.
   Halve enough capsicums for half or one per person. Spoon the mince straight into the capsicums, top with some mashed potato, pumpkin or sweet potato. Sprinkle with cheese and bake for 40 mins at 180C. Kids love these as the capsicum sweetens when baked.

4. Baked spuds with topping.
   Allow one potato of appropriate size per person. Cook in the microwave according to manufacturer's instructions. Split a cross in the top and pile filling into the opening. Top with natural yoghurt or sour cream and chopped, sauteed bacon. Allow one large tablespoon of filling per potato. Mix the filling with one tin of baked beans and heat in a small saucepan before pouring on to the potatoes.

5. Spring rolls.
   Mix about four tablespoons of mince mixture with a packet of cooked and cooled Two Minute Noodles, some shredded carrot, and 1/2 teaspoon Chinese five spice. Using filo pastry sheets or spring roll wrappers, fold a small handful of filling into each spring roll. Spray liberally with cooking spray and bake at 180C for 20-30 mins.

6. Greek pasta bake (Pastito).
   Heat a container of mince mixture with a 400g tin of peeled tomatoes. Cook enough macaroni for your family and drain well. Mix with the meat mixture and spoon into a large baking dish and top with your favourite white sauce or cheese sauce. Sprinkle on some grated cheese and bake for 40 minutes at 200C.

7. Shepherds pie.
   Add any vegetables of your choice to the mince mixture. Place into a baking dish and top with mashed potato, pumpkin or sweet potato then bake until heated and the potato browns.

Devious savings

Changing circumstances and a growing familly all added up to us paying a whole lot less off our mortgage than we would have liked. Pretty soon we would have started to go backwards. It was crunch time!

Using the Simple Savings calendar I identified our most expensive habits, and was astounded to see the amount of money that could have been saved. Our grocery bill was always around $200 or more per week. This amount did not include meat or bread that we get from the butchers and bakery.The trouble was, my husband loved all the expensive name brands for items such as chocolate biscuits, lollies and savoury snacks and was convinced that the cheaper or no name products would be tastless and boring. Week after week I would just automatically reach for these items, without even glancing at the alternatives. I knew as soon as my husband saw the packaging, the goods would remain in the pantry unopened, and he would then go and buy the brand name items anyway.

One week I kept mentioning to him that I was going to do a big clean up of the pantry and I was finally going to utilise all those assorted Tuppaware containers that I had never used. That week I substituted his expensive brand of snack foods with cheaper versions, emptied them into the assorted airtight containers and threw the plain packaging out before he could see them!

I also applied this technique to several other items; I would fill cheaper dishwashing liquid into Morning Fresh bottles, no-name hand wash into saved Palmolive dispensers, you get the picture. Our grocery bill went down from $200 to $140 per week - a saving of $240 a month!

When I finally fessed up to what I had been doing, my husband admitted that most of the snacks were just as good as the name brands, you just have to try a few out. All it took was some creative (OK, and somewhat deceitful) way to present the changes, but we have never looked back. Why would we, with a saving of $3120 a year? Plus of course, one very neat pantry!