Tip of the Day 14 December 2009

Permanent Patterns

I do a lot of sewing and make a lot of crafts and as a result I have a lot of money sitting in patterns. As I tend to choose a basic pattern and adapt it to suit whatever I'm making, I like to trace my patterns onto cardboard (if it's a craft pattern) or lightweight interfacing (for dressmaking) for longevity. As most of my craft patterns are for small items empty cereal boxes do the job perfectly. Just slit the sides and open them out flat then draw the pattern onto the inside. Cut them out, label the pieces and they are easy to work with and long lasting. For dressmaking patterns, tracing off the tissue paper pattern onto interfacing keeps the original intact for future use. This is particularly useful for the multi-size patterns. The interfacing makes cutting the pattern off the fabric a breeze as it stays put when it's laid out, helping with cutting accuracy.

Tip of the Day 13 December 2009

The Beauty of Cleopatra

History tells us that Cleopatra bathed in milk and was the most beautiful woman of her time. You can use milk for your skin too, and it's much easier and cheaper than bathing in it. Keep a small supply of powdered milk in a jar in the bathroom to use as a facial cleanser at night. Just put a small amount in the palm of your hand, add enough water to get the consistency you want, and wash. You won't believe how soft your face feels afterwards.

Tip of the Day 12 December 2009

A Fun Way to Start a Christmas Party

Approximate $ Savings: $20 is a cheap Christmas present

My children taught me this method of making Christmas cheap and fun. Every guest brings a gift worth $20 which is placed under the tree and then they receive a number. When everybody has arrived, draw the numbers out of a hat. The first person chooses a gift from under the tree and has to open it, then the second person drawn can either choose from under the tree or the one gift that has already been opened. If you lose your gift you get to choose either from under the tree or from one of the other opened gifts. We have played this game for a few years and every body seems to enjoy it especially if you are one of the last numbers drawn. It is fun and only $20 per person it is really quite reasonable.

Contributed by Maggie, Holt

Tip of the Day 11 December 2009

Nicer Teacher Gifts for Less

I wanted to buy my daughter's childcare teachers something special and individual for Christmas - rather than the boxes of chocolates that usually get eaten too quickly, melt or are given away to someone else. Throughout the year I would check the clearance rack at our local department store, and was able to pick up lovely tops, blouses and candles for between $2-$3. As I had to buy for 9 girls, this saved over a hundred dollars and they were all thrilled with their individual gifts (which I bought over several months, spending just $2 or $3 a month rather than rushing out and having to spend a heap all in one go.

Contributed by Ella, Salamander Bay

Tip of the Day 10 December 2009

'Merry Christmas' Painted 'Glass' Baubles

These are so easy to make. And they are quick and cheap too. You can buy boxes of twelve baubles in all colours from dollar shops such as GoLo, Reject Shop, The Warehouse, even Spotlight and Lincraft. Depending on the size they range in price from $2 - $6.95 for 12.

To make these decorations you don't need paints - you use stickers and decals! The stickers I used are available in sheets of gold, silver and rainbow colours for $2.95 a sheet. Each sheet makes at least twelve, if not more, ornaments. If you choose a coloured ball, all you need to do is stick on your Merry Christmas decal. If you want to add the year, use glitter glue in a coordinating colour under the 'Merry Christmas'. Instead of $6.95 each, you can make these gorgeous baubles for around 65 cents each!

Tip of the Day 9 December 2009

Paying Off the Credit Card

If you can only make the minimum payment on your credit cards then pay it on a weekly basis. For example if the minimum payment for the month is $100, make weekly payments of $25, just double check due dates to make sure you will have paid the minimum required on time. One week you may need to make the payment a day early. You could even set it up to be an automatic payment from your account each week. Then ignore the minimum balance on your next statement and keep on paying the $25 (or whatever amount it was) a week and watch the balance disappear.

Tip of the Day 8 December 2009

Nuts’n’Bolts

It's not a a $2 Dinner but it is a $2 gift and it is spectacular. Done up in a jar with a handmade label it looks fantastic. You can make a batch in around five minutes. One batch is enough to fill at least four large coffee jars so it is economical too. Once you start nibbling on nuts'n'bolts you won't be able to stop!


Ingredients:
500g Nutrigrain (generic equivalent works just as well)
375g salted peanuts
375g pretzels (broken into small pieces)
100g pumpkin seeds
1 packet Cream of Chicken soup mix
1 packet French Onion soup mix (generic works just as well)
3 tsp curry powder
Pinch chilli powder
1/2 cup currants (or sultanas)
3/4 cup olive oil, heated

Method:
Combine all ingredients except oil in a large bowl. Mix well to make sure everything is coated with the seasonings. Warm the oil and stir through the dry ingredients, making sure they are all coated completely. Store in a large, air tight bowl. If you are going to jar it up for gifts, wait two days. Stir the mix completely each day then on the third day pour into jars and label. This mix looks great in nut dishes on the Christmas table too.

Tip of the Day 7 December 2009

Christmas Pot-Pourri

This is kind of like cooking but also crafty. Leave bowls of this lovely Australian pot pourri throughout your home and fill it with the scents of Christmas or package it up in cellophane bags or small glass bowls to give to friends and family.


Ingredients:
2 cinnamon sticks
1/2 cup of dried cloves
2 cups gum nuts
1 cup mistletoe leaves
A few drops of your favourite essential oil to sprinkle on gum nuts
Dried petals for colour


Method:
Gently toss all the ingredients together and package.

Tip of the Day 6 December 2009

Christmas Gifts for $3.33 each

Yesterday when I received my disability pension I invested $40.00 on seeds, pots, hanging baskets, two bags of potting mix, which I bought from the Reject Shop, potting mix from Safeway (Homebrand). I will plant them now for Christmas. I will have twelve presents for $40.00. I will wrap them in cellophane. For under $3.33 each these will be gifts for mum, family and friends and it will be something they can watch grow and remember me.

Contributed by Cathrene, Melbourne

Decorating the Christmas tree

Plastic covered paper clips make perfect hangers for your Christmas tree decorations. They are easy to clip onto the tops of the decorations and slip nicely onto the branches. They stay on the branches too, so that little fingers can't accidentally pull precious ornaments off the tree.

Tip of the Day 4 December 2009

Online Shopping Saves Postage

If you have to send birthday or Christmas presents interstate, check out the prices of online shopping sites. The advantages include:
1) Often lower freight charges than the postage you would pay.
2) Some offer free gift wrapping.
3) They have specials which regular shops can't beat because of the lower online overheads
4) You don't waste petrol and wear and tear on your vehicle driving to the shops and post office
5) You can shop any time of the day or night
6) They usually guarantee delivery before Christmas.
7) They usually have a free newsletter which emails you about their latest specials.

Tip of the Day 3 December 2009

Lolly Topiary Trees

These are sold in Target and the large ones I looked at were $24.95 each.

I bought a terracotta pot for $1. I hunted round the back yard for a strong, rustic looking twig to use as the stem. I stuck the stem in the pot using 15-minute quick set cement, because we had some in the garage. You could use plaster. When it was set and the stem was firm I sprayed the pot and stem gold. Then I stuck a large foam ball ($2.00 from the market) onto the top of the stem. The most expensive part of this decoration was the lollies. I chose to use Columbines because of the pretty colours. The topiaries I saw in target were covered in silver and green wrapped toffees. I just stuck the toffees to the foam fall with a little blob of blu-tack until it was completely covered. It looks like it has blue and purple flowers all over it.

I’m going to sit this on our lamp table and let visitors pull off a toffee to have with their coffee. I can easily replace the missing sweets until Christmas to keep it looking good. I estimate that it will have cost less than $10 by Christmas, even with replacing the lollies.

Tip of the Day 2 December 2009

Cath’s Top Tips for a Cash Christmas

1. Make a budget.
2. Start saving now - shop sales and lay-by, time is on your side.
3. Track your Christmas spending, just as you do regular spending. Keep track of how much you spend on presents, decorations, postage, food, clothes, parties etc.
4. Also the track savings i.e if you budget $10 for a gift, and find on sale for $8, that's a $2 saving. Put that money straight into your Emergency Fund.
5. Use cash - make it a priority to use cash for all your Christmas spending. Go to the ATM and make a cash withdrawal, don't use the credit card or eftpos, it's too easy to lose track of what you are spending. Having cash, you see exactly how much you've spent and how much you have left to spend. When it's gone, it's gone.
6. As you collect gifts, wrap and label them immediately. Then make a note on your gift list so you know where you've stashed it and mark it as finished.

Tip of the Day 1 December 2009

Homemade Ferrero Rocher Style Chocolates

Stuck for something for a secret santa? Anything to eat is always a winning gift and this recipe for homemade Ferro Rochers style truffles from Angie of East Ringwood is very easy and they are so good they may not last until it's time to hand the gift over!

You will need:
375 g melting chocolate
1 tbsp copha
1 jar hazelnut spread
Hazelnuts
Crushed nuts
1 cup Rice Bubbles
Mini paper or foil chocolate cups

Method:
Melt chocolate with copha over low heat. Add Rice Bubbles and mix gently. Put a little of the mixture in the bottom of each chocolate cup. Place half a teaspoon of hazelnut spread on top. Drop a whole hazelnut on top of spread. Cover with melted chocolate mixture to top of cup. Sprinkle with crushed nuts before freezing for at least an hour.

Tip of the Day 30 November 2009

New jeans that are as easy to wear as old ones

When you buy new jeans, do the first wash on their own in warm water with your regular detergent and half a cup of table salt. The salt softens the new denim to make it as soft and pliable as your older, well-worn threads. Now your jeans feel as fabulous as they look.

Tip of the Day 29 November 2009

Plant Splitting

When creating a new garden buy plants that you can split which can save you a lot of money - eg agapanthus, dianellas, and clivias. These varieties will also save you a lot of water and time in the long run.

Tip of the Day 28 November 2009

Get that French manicure look free

To clean fingernails and leaves the tips white and shiny, sprinkle a damp nail brush with bicarb soda and scrub your nails. The bicarb lifts stains and leaves the tips of your nails with a natural French manicure look without the hefty price tag.

Tip of the Day 27 November 2009

Colour co-ordinated shopping

Use highlighters for faster shopping. Highlight or mark fruit and vegetables on your shopping list with green, fridge and freezer items with blue and meats with a red marker. Unmarked items are things found "in the aisles" . Use orange to highlight things on your list that are "not at the supermarket" so you don't forget to pick them up while you are on a shopping trip.

Tip of the Day 26 November 2009

Easily pick pet hair from carpet

Keeping carpets free of pet hair is a back breaking and seemingly never ending job. Instead of struggling with the vacuum cleaner, run the brush you use to groom your dog or cat lightly over the carpet. It's like magic - the hair is picked up and trapped, no extra sweat or muscle needed.

Tip of the Day 25 November 2009

Storing receipts for online payments

Rather than printing a receipt after you've made a payment online, save it to an inexpensive thumb drive. Once you have finished the transaction you are given the option to save a copy of the receipt or print a copy of the receipt. If you can save a copy, save it straight to your thumb drive, with a file name such as the bill and month you are paying i.e. Phone/nov09. If you are only offered the option to print, open a word document. Highlight the receipt information, copy and paste it to the word document and save the word document to the thumb drive. You are saving on printing and paper and you still have an electronic copy of the receipt if you need it. Once you no longer need the receipt you can easily delete it from the thumb drive.

Tip of the day 23 November 2009

Wrapping paper memories

Don't throw away wrapping paper received with special gifts such as engagement, wedding, new baby and special birthday gifts. Instead use it as a background paper to scrapbook a memory page for the special event. The memories will come flooding back each time you look at the page.

Give the compost a boost with a cola

If you are a cola drinker, a great way to boost your compost pile is to pour a bottle of flat Coke (or other cola) over it. This increases the acidity and the sugar feeds the microorganisms, which in turn, increases the organic matter you get out of it. And it's a great way to use up any flat bottles of Coke if you happen to have any.

Tip of the Day 21 November 2009

Turning dinnertime into a fun learning experience

If you have young children and use placemats on your dining table turn them into teaching aids. You can print maps, times tables, spelling charts, lists of states, world flags etc, laminate them and use in place of vinyl placemats. Do this with anything your child needs to memorize and dinnertime becomes a fun learning time.

Tip of the Day 20 November 2009

Shop at home first

When you think you need something for the house, by all means look at the shops to see what's around and how much it costs. Then go home and have a look around the house: is there something you already have that will do the job?

A good example of this is the small dish I needed to hold used tea bags and teaspoons on the bench. I found some at the shops, but didn't like what was on offer or care for the price. Instead, I realized that I already had the ideal dish in the china cabinet - a used once china jam dish. It does the job, looks great, I love it and best of all it cost me nothing.

The same principle can be applied to everything you need: do your research and then look around home. If you don't already have something then go ahead and buy what you need.

Not just for dishes

The dishwasher may be the most underutilized appliance when it comes to cleaning things other than dishes. One example: the exhaust fans in our bathrooms were dirty, dusty and clogged up with fluff. Into the dishwasher they went, cover, filter and blades, all filthy and in need of a good clean. Out of dishwasher they came, sparkling white, lovely clear filters, almost like new and ready to be put back up. Using the dishwasher to do this dirty job made it very easy and painless.

Calendar Budgeting

Use a calendar to record your automatic payments, daily expenses, pay days and when irregular bills are due. By listing your income and expenses on a calendar you can see at a glance where your finances are each month. At the start of each year go through the calendar and mark regular payments such as direct debits and pay days so you can see exactly when money is going into and out of your accounts. This is especially helpful in tracking when a direct debit will occur before a regular deposit, running the risk of there not being enough funds to cover it. After a recording for a few months you should be able to see the pattern in your incomings and outgoings, enabling you to make a few phone calls to utility companies to have due dates adjusted to match pay days, eliminating the threat of overdraft.

Tip of the Day 17 November 2009

$2 Dinner Tuesday

Rice Patties

Ingredients:
1 cup of brown rice - cooked and well drained
1 onion finely diced
1 cup of grated cheese
1 egg (beaten)
1 packet Cream of Mushroom Soup Mix (or whatever else you may have lurking in your pantry that could be used for flavour)
Diced parsley
Salt and Pepper

Method:
Combine all of the above ingredients in a bowl. Put tablespoon portions onto greaseproof paper and shape to make small rissole sized patties. Cook in a moderate oven (180c) until golden brown. When the egg and cheese melt it holds the mixture together. These can be eaten either hot or cold, served as either a snack or with salad or vegetables as a main meal. Usually makes 24 patties.

Contributed by Kelly, Redlynch

Tip of the Day 16 November 2009

Make your own whiteboards

Whiteboards are so handy to have around the home. They work in the kitchen for shopping lists, menu plans, messages etc and they are handy in the study for keeping track of bills, appointments etc but a good whiteboard is expensive. You can make your own large (120cm x 120cm) whiteboards for under $30. Buy a piece of laminate from the hardware shop and ask if they will cut it in half for you. To finish the edges glue some narrow moulding around three sides, with a wider piece on the bottom edge to act as a shelf for markers and cloths. Hang with picture wire and hooks. They are lightweight, transportable and very effective.

Tip of the Day 15 November 2009

More plants in your garden

Try to grow your veggie plants from see whenever possible but if you do have to buy punnets of seedlings, always look for the containers that have an extra plant or two. Look for the punnets that have two or three extra plants in them. These little seedlings usually look scrawny but you can nurse them back to health and end up with extra plants free. Carefully separate the plants and pot them up or put them straight into the garden. With tender care they will grow and produce fruit, giving you a free supply of veggies for just a little extra care at planting time.