Tip of the Day January 19, 2009

A Non-stick Solution

The advent of non-stick cooking utensils has made food preparation so much easier for the busy cook. Teflon revolutionised milk pans and these days there are any number of different non stick surfaces on pots and pans. Unfortunately they have a tendency to stain quite easily, making them look dirty and dingy before their time. Good quality, non-stick cookware isn't cheap so knowing how to care for it properly will ensure that you get the full life-time out of your pots and pans and enjoy cooking with them.

• Never use metal utensils in non-stick cookware (and yes, I've seen the ads and read the literature stating that some non-stick surfaces can take metal utensils).There are plenty of soft utensils around, suitable for all kinds of stirring, lifting, whisking etc that won't harm the surface of your non-stick pans.
  
• Always wipe out with a soft cloth before washing and then wash in hot, soapy water with a soft cloth. Gently rubbing any stubborn spots with the cloth should shift them quite easily.
• Remove stains from non-stick pans by sprinkling the surface with bicarb soda. Place a sliced lemon over the bicarb soda in a single layer. Add enough water to just cover the lemons, then simmer until the stain goes away. If the stain proves to be stubborn, remove from heat and allow the pan to soak overnight. Rinse and wipe over, the stain should be gone. If it's not, repeat the process.
• If you have a non-stick pan that has started to peel - stop using it! The risk of some of the coating getting into your food and through that into your body is too high to chance it.
  

Tip of the Day January 18, 2009

Seven and a half cents doesn't mean a heck of a lot...

As the old Doris Day song goes "but give it to me every minute of every hour of everyday…."

Sometimes it's easy to think that $1 here and $5 there isn't much but all those small amounts can add up to quite a lot very quickly. Frittering away $5 a day is a whopping $35 a week! That casual attitude to small amounts really does add up. Keep the carefree attitude and before too long you could end up in big trouble.

So, instead of frittering away small amounts, stash the cash instead. Put it into a jar (or the Milo tin)or your secret cash stash and when you have $20 bank it into your savings account and watch that add up.

Oh, and seven and a half cents of every minute of every day adds up to $39,312 in a year! Doris sure knew what she was singing about.

Tip of the Day January 17, 2009

Skip those ad breaks

We all like to relax, and watching a good show on TV can be a great way to relax. But you need to tune out when the ad breaks appear, even those short ones. Research indicates that couch potatoes (even ones who just relax of an evening) are much more likely to overspend when they are shopping for each 1 minute ad they watch due to the truly powerful effects of this marketing medium. Because TV advertising is made up of words and pictures (with pictures being the most powerful) every time the couch potato sees a commercial they are psychologically reminded of their desire to have it. As soon as they see it in the shop the desire returns and the impulse buying begins. Turn off the ads, get up and have a glass of water or record your favourite programs and fast forward through them. If you really need to research a product then you can do it in your own time and in your own way.

Loathsome firebugs

Oh my! I am in a state of shock at the moment. If you follow my calendar you will know that I was scheduled to speak with James Lush on ABC Radio Perth at noon today.

Unfortunately we've had to postpone the chat until early next week because some senseless fool has set fire to Kings Park. The temperature in Perth is expected to reach 40 today and Rosemary tells me the winds are blowing a gale so the fire has just taken off.

To anyone who knows Perth, you'll understand just how devastating this is. Kings Park is just glorious and I have spent many hours wandering through on my visits to WA. I am so saddened at such a stupid and senseless act.

Our gorgeous Australian landscape is so volatile, especially at this time of year. Just this week Adelaide and Port Lincoln have suffered through bush fires, even Sydney, a huge city, hasn't been immune with fire racing through the bush at Killara, a suburb just 11 kilometres from the CBD.

We have bush behind us and I love it. I look out the kitchen and family room windows straight onto majestic gums and spectacular wattle trees and I can tell you that my greatest fear is that some fool will set fire to it.

So, to ease my mind, we have a fire plan for the family and house, even though we are in the suburbs. With the bush so close to our home we have always felt that a simple and easy to remember fire plan is essential. Each summer I pray we don't have to use it. My in-laws live close to Galston Gorge in Sydney and they have a fire plan too. They have even had to use it a couple of times in recent years due to loathsome firebugs.

Even in suburbia you are not immune to the threat of bush and scrub fires so please take some time to work out a fire plan for your family. Fire plans should have been done months ago but it's not too late. If you don't have one you should do one now. You don't need to live in the bush or the mountains to be caught in a fire either - there are hundreds of housefires every year from something as simple as a pot catching fire in the kitchen.

You can get a sample plan from the NSW Rural Fire Service. This website has a number of different fact sheets you can download to help you get started.

And if you at least have a plan in place it will make the firebug's life that little bit more difficult.

Tip of the Day January 16, 2009

You Need a Plan to Get out of Debt

If you have decided 2009 is the year you are going to get rid of that credit card debt, then, before they year gets too much older, you need a plan. Without a plan all you've done is made a decision. To get rid of that debt completely you need to act on that decision and you need a plan to do that.

Here are my rules for the Payment Push (the fastest way to get out of debt that I know):

1. Stop using that card. Put it away, somewhere safe. You are not going to be using it.
2. Make this month's payment every month. You are going to keep on paying this month's payment every month and ignore the minimum required payment on your statement. This month's payment is now the fixed monthly payment for that account.
3. Make a list. Get all your credit cards and other debts and make a list of them, from smallest to largest.
4. Keep on paying. Once you have finally paid off the credit card, add the payment to the fixed payment for your next smallest debt and keep on paying. When that one is gone for good, add the payment to the next smallest debt and keep on paying. Do you see the pattern here?

Keep repeating this process until you are totally debt free.

Tip of the Day January 15, 2009

Dig out of Debt

Yesterday's tip was to spend more wisely and I suggested you physically put the money you weren't spending in a piggybank. Today we are going to move that tip up a notch. At the end of the month you are going to empty the piggybank (or jam jar or Milo tin or whatever) and take that money, as it is, and pay it straight off your smallest debt. It may be your credit card or a personal loan or even your mortgage. You are going to pay that money, no matter how small the total, off that debt. Then you are going to keep doing this until that debt is completely cleared. Of course you'll still be making your regular payments on it, but this extra boost should see it disappear even more quickly. When this debt is gone you can start on the next smallest. And best of all is you won't be missing the extra payments.

Tip of the Day January 14, 2009

Spend more wisely

We all have our own ways of wasting money. Now see how you can eliminate the ones that you wouldn't miss. Just saving the dollar you would normally spend on the newspaper each day adds up. When you've decided what to eliminate, pay yourself for it each time you would have normally bought it. Put the money in a piggy bank or a separate purse, somewhere you can't get at it. At the end of the month how much money have you kept?

Tip of the Day January 13, 2009

Don’t Leave the TV on Just to “Have Noise”

When we were first married Wayne would walk into the lounge, turn on the TV, and walk straight back out again! I was going mad, following behind to turn it off. He had become so used to the TV being on and the constant droning noise that turning it on was automatic, he didn't realize until I pointed out (a few times) what he was doing. What a waste of power. If you are in this habit, then get out of it. You'll come to enjoy the quiet and the sense of peace and find it easier to relax. Your day will be far less stressful and depending on how many TVs you have on your power bill will drop considerably.

Tip of the Day January 12, 2009

Use Tea Towels, Not Paper Towels

If you keep a tea towel near the sink that’s only to be used for drying hands and a supply of others that are just for wiping up spills and cleaning then you’ll find your paper towel usage diminish severely. We go through a roll of paper towels every 6 weeks at the fastest, unless we host a party or do a lot of frying. Recycle old, worn towels for this purpose before putting them in the rag bag.

Good food, good friends, good fun!

From the start of Daylight Saving until the end, we cook outside. A few years ago we invested (and yes, I consider the purchase an investment) in a good bbq, complete with side burners, rotisserie and roasting hood. If only the stove inside was as good! I love it, the house stays cool, the kitchen stays clean and there are usually no pots to clean up!

We usually have friends or family or both over at least one night during the week to share a bbq with us. It's a simple meal of meat and salad and maybe bread, eaten outside. Very relaxed and casual. Perfect Aussie summer entertaining.

We had friends over last night for a bbq and it was a beautiful night. Warm enough to sit outside until late (it was after 11pm when we came in) and just talk and laugh and enjoy each other's company. The thing that made it extra nice for me was the fact that the kids didn't leave the table either. They all played on the wii before we ate, and I fully expected them to jump up and go back to it when they had finished but they didn't. They sat and joined in the conversation and laughed and made jokes and even had some interesting points of view. It was so nice to have all the kids - 8 of them aged between 13 and 18 - share so much time with us.

I very rarely vary the menu for a barbecue. Tossed salad, coleslaw, potato salad, buttered bread, sausages and burgers. Nibblies are a dip and crackers, cheese cubes, pickled onions, diced sausage, carrot and celery straws. Simple and easy to prepare and I always have all the ingredients in the house, so I don't need to run out and buy anything. For dessert I usually just bring out the fruit bowl and everyone helps themselves. Last night we had watermelon and fresh pineapple, sliced and arranged on a platter as well as the fruit bowl of apples, oranges, bananas and mandarins to finish off.

While we were talking the subject back to school supplies came up. All the kids had ideas about what they needed and what they should have and I was thrilled to see that they were all happy to keep what they had and just replenish to fill in the gaps. The three girls have planned an afternoon to get together and cover last year's folders so they can use them again, but have them looking fresh. They tried to talk the boys into it, but it was no go. Oh well. They've asked us Mums to keep the junk mail for them and warned us that they'll need glue and contact and that they'll probably make a terrible mess. I'm pretty sure they'll clean it up and if it gives them an afternoon of fun and friendship and saves a few dollars I'm all for it. I'll print off the instructions for covering books for them and while they have the contact out they can cover the textbooks that need doing too. That will save me doing a job I loathe - I always end up with just one bubble that won't go away and it annoys me for days.

Today I'd like to get some more cordial made and another lot of ginger beer started. I'm still amazed at how much cheaper it is to make drinks from scratch. I saw ginger beer in the supermarket (on sale too!) for $1 a 375ml bottle! I get 24 600ml bottles for around $5, sometimes less, depending on the price of the ginger. For about a half an hour of my time and very little effort I am not spending around $33 on soft drink!

That's a fair whack of anyone's grocery budget. How much do you spend on beverages for your family? Have you ever worked it out? If you drink Coke for instance (it's just an example, and believe me there are more Coke drinkers out there than will admit to it or it would've disappeared years ago), and have a 1.5l bottle a day you're spending $19.46 a week just on one drink. If you are having trouble keeping your supermarket bill down, look at how much you are spending on drinks and try to find alternatives.

One thing that helps keep the drink bill down for us is a simple rule: no softdrinks before noon, only water and milk. After noon drinks must be cycled: a drink of water, then of milk, then of water then a softdrink, then water, then milk, then water, then a softdrink. Fizzy only for afternoon tea and with dinner. It works, believe me. Even Wayne sticks to the drink rule, bless him!

In our house softdrinks include fruit juice, cordial, magic cordial and fizzy drinks. Keeping a jug of water in the fridge encourages drinking during summer. Float some lemon or lime slices in the top, they scent the water and make it more refreshing on a boiling summers day.

Leftovers for dinner tonight, rather than our usual Sunday roast. There are sausages, burgers and salad left from last night's bbq so we'll finish those off and save the roast for another night. I'm going to make a dessert tonight too - shock, horror, I don't often make desserts - there are some berries to use up and some cream and there's a pavlova in the pantry that needs to be used up so we'll have a decadent end to our leftover dinner, the perfect end to a lovely Sunday.

Get Prepared and Slash That Grocery Bill

Take the time to write up a grocery list and go through the supermarket junk mail. Start this week by being prepared with enough food to make quick meals at home. Take the time to walk through the supermarket to compare brands and prices. Make notes on the back of your shopping list so you can update your Price Book when you get home. You can easily save $20 or more each week by shopping the sales at the stores. As soon as you've put the groceries away, update your Grocery Tracking Spreadsheet. Seeing just how much you are spending in each category can be just the thing you need to rein in the food budget.

Tip of the Day January 10, 2009

Simplify

There is a certain romance to the “simplify your life” movement. The thought of having just enough, without any clutter around, can be very appealing. And having too much stuff really does weigh us down. Take a look at everything in your home. If it does not add joy, beauty, meaning, or usefulness to your life, give it away. And when you are tempted to buy something new, ask yourself: does it make me smile? Do I need it? Will I really use it/wear it/read it/listen to it? If the answer is yes and you have the cash to buy it, without hurting your budget then go ahead.

Then, on a quarterly basis (monthly if you have a lot of 'stuff'), go through your house and ask yourself these same questions again. Go through your wardrobe, linen cupboard, kitchen cupboards, garden sheds and garage and get rid of those things that do not add genuine joy, beauty, meaning or usefulness to your everyday life.

For Advanced Cheapskates: After purging excess stuff instigate a "one thing in, one thing out rule". No one can bring an item into the house unless they first remove one. This way you'll maintain your simplified and de-cluttered environment and you won't be doubling up on purchases.

Tip of the Day January 9, 2009

Diarise Gift Giving

It's never too early to buy gifts. In fact right now is a great time to start shopping for next Christmas and any birthdays etc you have through the year. To keep track of when a gift is required make a note of it in your diary or on your family calendar. I also keep a list of gift needs in the back of my purse so I can check what's needed when I find those fantastic bargains. Then if you pick up the perfect gift at a clearance sale or factory outlet you can mark it off. Being organized with gift giving can save you an amazing amount of money (50% and often more). Wrap and label as soon as you get it home and it's ready to go, a great money saver if you need to post or courier gifts, there'll be no need for express post.

Tip of the Day January 8, 2009

Budget Buster No. 2 - The Impulse Buy

We all get them - impulses that make us reach out and pick up the chocolate or pair of shoes or even buy a new car. That sudden and unexplained craving that makes you just have to have whatever. One of the best ways to overcome these impulse tendencies is the $100/24 Hour Rule. It's quite simple: if the thing that catches your eye, that you just have to have, costs more than $100 then you wait 24 hours before buying it. You can adapt the rule to any amount: for lesser valued items perhaps wait 2 hours. If, after this time, you still want it, need it and have the cash to pay for it without hurting your budget then go ahead and buy it. I think you'll find that after waiting, even as little as 2 hours, you'll decide you don't really want or need it after all and keep your money.

Staying cool and doing chores

When did shopping centres become the place to keep cool? "I'm thinking of hitting the shops today to beat the heat" was just said to me by an acquaintance in Sydney. Now I now it's hot - very hot - in Sydney today and perhaps it's just me but is it really going to be any cooler in a shopping centre?

I didn’t say anything to her comment (very unlike me), but I wonder just how much keeping cool in a shopping centre is going to cost her today? Petrol or fares to get there and no doubt some money will be spent during the stay, so perhaps $10? $20? Or more? At that price air conditioning at home would be cheaper or at least cost the same and far more pleasant than battling hundreds and hundreds of other hot and frazzled shoppers, all trying to stay cool in a confined space.

It's cool enough here today, and I am very grateful. The windows are open and the slight breeze is actually cold. But yesterday was a stinker, hot, humid and windy, but we still managed to stay cool at home.

When the alarm went off I jumped out of bed and ran around shutting the windows tight and closing all the blinds and drapes. Just that alone makes a huge difference to the temperature in the house. Then the ceiling fans went on and the doors to rooms not being used were closed. The house stayed a very comfortable 20 degrees all day, while outside it was 30. As soon as the sun was down the windows and doors were opened to let the cool air in and we were able to turn off the fans. And I didn't have to go to a shopping centre to stay cool!

Hannah and I are going to sort out the stationery drawer today and work out what she needs for school. The sales are on so if she needs anything now is the time to get it. I'm rather hoping that we will already have everything around the house. I know her pencil case just needs a soak and a rinse and it will look almost as good as new, so that's one expense avoided, it was a rather expensive gift last Christmas. Apparently in high school if it doesn't have a brand name on it then you are just plain dorky!

I also need to get out and pull some weeds and plant a few more lettuce and cabbages. The tomatoes are going great guns and the lettuce have been amazing. Just pulling a few leaves off each plant each day has kept them going for almost three months. I hope the next lot last as long.

While we were away I tried a delicious potato salad and it's so easy I couldn't wait to try it myself. We had it over the weekend and it's become a favourite so I'll make some more this afternoon and use up some potatoes. You simply steam one potato per person, skin on. When done, cool a few minutes and then cut into chunks. Fry an onion in a little olive oil until crisp (this takes a few minutes). Mix a good slurp of balsamic vinegar with a good egg mayonnaise and stir into the potato. Mix through the fried onion. Chill. You would not believe how nice this is. Not necessarily good for the figure but very tasty and a nice change to regular potato salad.

And then if I have time I need to clean the inside of the car. I had a little altercation with a cup of coffee while we were travelling on Friday night and the carpet needs to be shampooed. Warning: don't ever trust that the lid on a take-away coffee is actually on when you pick it up. Trust me on this: if it's not you could end up wearing it!

So this Wednesday is going to be busy, I'd better get to so I can cross some things off the list.

Tip of the Day January 7, 2009

A Simple Way to Avoid Budget Busters

Budget busters are those things that create debt and can cause a budget to spiral out of control with just the swipe of a card, literally a matter of seconds. Credit cards and the use of credit is the number one cause of budgetary failure. If you struggle to control spending then moving to a cash only budget is a simple way to keep control. The envelope system works. It may be old fashioned but it's easy to use, and being a physical system you are far more conscious of spending than you are when using cards (debit, credit or eftpos). Make a withdrawal of all the money you will need for the week, divide it up into the various envelopes (food, petrol, phone, lunch, entertainment etc) and when it's gone you have to wait until next week to spend from that envelope. A quick look in each envelope will let you know how you are going and remind you of your allocated spending amount.

Tip of the Day January 6, 2009

Finding Real Entertainment

It may be old fashioned, but the simple things really are the best, and old fashioned or not, when it comes to entertainment they can also be the best value too. It's holiday time and true to form we are being bombarded with advertising telling us we need to see the latest movie, visit Dreamworld and Movie World and a myriad of other really expensive things to keep the kids (and ourselves) entertained during the holidays. We have to spend, spend, spend or we will be bored silly. Australians are working longer and harder so they can "afford" to buy entertainment and then what? It's never enough. These things leave us wanting more and more and don't satisfy. Until we learn to enjoy simple things, these expensive, supposedly more exciting things will continue to leave us wanting more. Learn to find enjoyment in simple things and pass this skill onto your children. A trip to the park (and you don't need kids to go to the park), a picnic on the beach (or in the backyard), even mowing the lawn, can provide entertainment and satisfaction. And these things don't cost a lot of money, there's no need to work longer and harder to pay for them.

Make a list of things you consider entertainment. Then choose one thing a day, that doesn't cost much but yields a feeling of satisfaction, and try to do it. You'll find that when you do spend money on entertainment, that you really will enjoy it and be happy with your choices.

If you need some inspiration for things to do, try our list of things to do when there's nothing to do.

The shoe hunt was successful

I am now the proud owner of three lovely pairs of new shoes. They look good, they were great prices and best of all they are comfortable. I will be able to wear them all day and not grimace once. And I won't be hunting around for a marker to colour in the heels anymore either (unfortunately my favourite shoes have badly scuffed heels, hence the colouring in with a marker).

Hannah, Mum and I braved the early morning Sydney traffic and the crowds to hit David Jones as soon as the doors opened. What a crowd - more than I was expecting but probably not enough for management. Hundreds of women, all wanting shoes!

Picture it: trestle tables set out in squares, one per shoe size. Each table covered in shoe boxes stacked three deep. No particular order apart from this. And women, hundreds of women, trying to find the perfect pair of shoes. Talk about chaos!

It was actually a lot of fun. I found two pairs of heels - a lovely black pair with a very cute peep toe and a rather glamorous (for me anyway) pair of patent leather in a creamy beige. I wore the patent shoes last week and felt very well dressed. It's amazing how smart you feel when you wear something you like.

Paying for them was a challenge. Two registers, two rather frazzled cashiers and one long, long queue. I met some lovely ladies while we were waiting to pay and learned of a few more bargains that were around. I also saw the horrible side of human nature too. As I was waiting in the line, one of the store assistants walked past with an armful of shoe boxes - full of old shoes. People had taken the new shoes out of the boxes, replaced them with their old shoes and just walked out the door. If the old saying is true those shoes will squeak with every step taken until they are paid for.

After DJs we hit Colorado. Summer sandals were calling me, I could hear them loud and clear, and not wanting to disappoint them just had to pop in and try some on. A pair of nice black sandals now live in my wardrobe and boy are they comfortable.

None of these pairs of shoes were cheap, even on sale. I believe that if I am going to be wearing them for a long time then they need to be good quality, well made, good fitting and comfortable. I spent $139.95 on the three pairs of shoes and I've just calculated the per wear cost.

The heels will be worn at least once a week for at least three years (I am not hard on shoes at all, that's why I tend to buy classic styles rather than fashion shoes) and will cost 32 cents per wear. The sandals will be worn at least three days a week for three summers or about 4 months a year so 42 wears in total. The cost per wear for them is about 27 cents. I am very happy with that. And once they are no longer 'going out' presentable they will become yard shoes until they fall apart so in actual fact will end up costing much less per wear.

So now I've brought three new pairs of shoes into the house I am off to deposit three old pairs in the bin (they really are not fit to be worn!).

Tip of the Day January 5, 2009

25 Easy Ways to Save Cents 1. Recycle items for different uses. 2. Use newspaper for wrapping food scraps and as pedal bin liners. 3. Organize your house. 4. Buy energy efficient light bulbs. 5. Only run the dishwasher when it is full. 6. Wash dishes by hand to save even more money. 7. Use less laundry detergent than called for. 8. Wash clothes in cold water. 9. Don't overuse hot water. 10. Fix dripping taps. 11. Fix a constantly running toilet. 12. Consider fans instead of air conditioners. 13. Set your thermostat 3 degrees lower than usual for heating and cooling. 14. Use coupons - petrol dockets, two for one offers, discounts on car services etc. 15. Consider buying clothing at op shops or factory outlets. 16. Only shop once a week. 17. Don't go to the supermarket when you're hungry. 18. Do not shop at convenience stores. 19. Buy store brands and generics. 20. Stock up on items when they are on sale. 21. Buy items in bulk (if you can save money). 22. Buy used furniture. 23. Strip or recover furniture you already own. 24. Quit smoking. 25. ~~Be happy with what you have.~~

Tip of the day January 4, 2009

Waste Not, Want Not

There's no easier way to waste money than by regularly throwing out old food that you never used. The best way to make your shopping list super-effective is by coming up with a meal plan for the week/fortnight/month. Look in the pantry, fridge and freezer to see what ingredients and meals you have and ask yourself "what can I make with it?". You might think it takes ages to come up with a meal plan, but really it shouldn't take more than 10 or 15 minutes as you write out your shopping list. Work out what you're going to eat every day, incorporating the ingredients you already have. Stick it to the fridge or the pantry door and check it each morning. Half the battle of getting a meal on the table is won if you know what you have to prepare. And, knowing ahead that you have a meal planned really does stop those 5 o'clock "I can't be bothered cooking" moods. You can download a blank menu planner in the Menu Plan archives. Menu planning can and will save you a small fortune - with fish and chips for four costing around $27, or pizza about $22.50, knowing you can put a meal on the table in under 30 minutes can save you between $15 - $20! Challenge yourself to whip up a banquet with leftovers and food that's close to going off. Remember to understand what the different food labels mean too - so you don't throw away things that are still perfectly useable.

Tip of the Day January 3, 2009

Save $6,000 this year!

Ever wondered how much you could save in a year if you really tried? Banking $115 a week sounds hard. But you can quite easily save over $6,000 this year if you follow these simple tips for saving money. They are small, painless changes in the way you spend your money, and they will stretch each dollar to the nth degree. 1. Set up a budget. The very first step is to create a budget. Write down your income and then work out ALL of your household expenses. A simple budget uses your pay period (weekly, fortnightly, monthly) to determine income and expenses. This gives you a clear view of what s coming in and what's going out. You can see where you can cut expenses. 2. Never shop without a list. And stick to it. Set up a basic shopping list (we generally buy the same items week after week). Look at ways to cut your supermarket bill - try generic brands, or multi-purpose products. This will save you at least $45 a week or $2340 a year. 3. Give up smoking. Not only will you save at least $60 a week (if you smoke a pack a day), but you'll save on medical and dental bills as well. Look forward to saving about $3120 per year. If you can't stop, try to cut down by at least a pack a week. Save about $490 a year. 4. Try to have at least one meatless meal a week and cut your meat bill by at least $7 a week. Savings $364 a year. 5. Buy your meat from a wholesale butcher, or in bulk. A 60kg hindquarter costs about $300 and should keep a family of four in meat for about 6 months. At just $50 a month for meat instead of $50 per week, save $2000 a year. 6. Fix that dripping tap, install a low-flow shower head and reduce showers by 3 minutes. You'll not only be saving a precious resource, but about $125 if not more per year. 7. Turn off all power appliances at the wall socket. Even in standby mode, appliances are using electricity. Make sure you always turn your computer screen off when you shut down, it can really suck up power. Do these things and save about $120 per year. 8. Wash in cold water. You'll save on heating costs, and your clothes won't fade as readily. Save around $2.50 per week per family in heating costs or $130 per year. 9. Change light globes to compact fluorescents and save about $60 per year PLUS they last 8 times longer! They may be more expensive initially, so swap them one at a time, or as light bulbs blow. 10. Reduce bought lunches by at least one and save $6 per week and don't buy snacks and drinks at shopping trips for you or the kids and! save at least $10 per week, have the girls home for coffee instead of buying that cappuccino and save another $2.40 per week ...all together save at least $956 per year! Total savings of $6585! To make sure you reach your goal, open a separate bank account and arrange to have at least $115 a week directly deposited into this account. Then sit back and watch your savings grow, without any major lifestyle changes.

This is your year

January pops up on our calendars and we immediately assume, “It’s time to get the finances organized.” I know this is true because of the website traffic I receive each January when the hits increase. Is it because January is traditionally holiday time, the Christmas rush is over and the sultry, summer heat slows us down a little? Or is January a good time to choose your goals, set a mission statement and start bringing in the New Year with new resolutions and good intentions?

Yes—IF your Christmas tree is taken down, the Christmas decorations are put away and the house is restored from holiday parties and family gatherings.

No—IF you are still promising yourself to send out Christmas cards, you are still buying gifts that you need to send to people and the kitchen countertop is full of unfinished projects.

In other words, are you ready to take on another major project—which is what you are doing when you decide to change your habits and get control of your money?

Setting up rules for your spending plan is quite simple. Anyone with a bank account and an income can pop off at least 10 things you should do to get your finances in order. The problem is it’s hard to stay on that path of 10 things as the year becomes April and then June and life has interfered with your well-intentioned plans to use 2009 to improve your money habits. After all, you're only human and doing the best you can!

Cheer up! In case you’ve made the decision to try to get organized in 2009, I’ll pop off about 10 things you can do to get your finances in order and I won’t elaborate on them. You understand the routine. In fact, I’m sure you could pop off these 10 items if you read any magazines with ideas about “how to organize your money.” And if you can't just go to the Article Archive and read up.

• Bring together thoughts and dreams about your life and where you want to go.
• Set written financial goals for the year—plan where you are going and what you want to achieve.
• Procrastination will keep you from working towards success in 2009. Work on these goals throughout the year and don’t quit. Keep checking in the Member's Centre for support and inspiration.
• Be flexible enough to change or revise these goals throughout the year.
• Reward yourself for successes in achieving your goals and in changing ingrained habits of the spendthrift kind.
• Keep visiting the Member's Centre. Sometimes you need a friend to help you over some obstacles and you'll find plenty of help there.
• Start by tracking your spending and recording it in your spending plan to keep you on track.
• Also keep a schedule or calendar to tell you where you need to be.
• And don’t worry if you don’t always follow through. Try again tomorrow.

Those are 9 things you can do to get your finances organized. Since I told you I’d come up with 10 things, here's the tenth. It’s good to leave yourself some wiggle room for human frailty. Does that bother you? Don't let it, be kind and encouraging to yourself.

I believe you have what it takes to succeed because you have taken the plunge and joined the Cheapskates Club. We are here to support you, to encourage you and yes, even to give you the proverbial kick in the behind if needed.

Happy New Year

I wish you a very happy new year - 2009 is going to be a great year at the Cheapskates Club. And a very warm welcome to all our new members too. No matter where you are in your journey to frugality and living the Cheapskates way, the start of a new year is the perfect time to renew your commitment to living life debt free, cashed up and laughing.

Jump right on in and get started. The doom and gloom experts are predicting an even harder year than 2008 but for Cheapskates it is going to be a very, very good year.

To celebrate a new beginning, we are having an extra special event. For the first time ever we are giving away a Lifetime Membership to the Cheapskates Club. That means that as long as the Cheapskates Club is around (and I predict we have many, many years left) the lucky winner will enjoy all the benefits of membership without ever receiving a renewal notice! Not one, not ever! Click here to enter!


Good luck and I wish you all the very best of good things for 2009

I'm going on a shoe hunt....

Christmas is over, the food has been eaten, the drinks are all gone and the Christmas cake is slowly dwindling away. The kids have put their presents away and the recycle bin is full to overflowing with cardboard, wrapping paper, soft drink bottles and the like.

It's time to hit the Boxing Day sales. This year I am a little late, due to a family crisis, but I am ready and raring to go. I have looked over all the junk mail and pored over the websites to choose what I will buy and work out my plan of attack.

Tomorrow morning at 8:15am I will be leaving home, money tucked safely in my purse and water bottle at the bottom of my bag so I can go shoe shopping. I desperately need new black heels, new sandals and some smart but dressy courts. And perhaps some flats to wear this winter too. I am going to David Jones to do battle at the shoe sale and I intend to bring home everything on my list.

Hannah has her list made out too. She has her Christmas money divided up in her purse - some for clothes, some for stationery, a little put aside for new runners and enough for a couple of new CDs she has been waiting for.

Ok, if I am going to be up early and full of beans tomorrow I need to get to bed right now.

After Christmas Sales – Shopping to Save

Being an avid bargain hunter the very best shopping day of the year is Boxing Day (or the day after Boxing Day, depending on which state you live) when the after Christmas sales begin and there are bargains galore to be had for the taking - or rather the buying.

Getting up early, eating a good breakfast, dressing in comfy clothes and shoes and packing bottles of chilled water and packets of munchies just adds to the excitement of the day. Checking my purse to make sure I have my Christmas money safely tucked inside is the last thing I do before I head out the door, ready to go straight to my shopping centre of choice (it varies from year to year, depending on what bargains I'm after) nice and early. I like to get an undercover carpark if I can ( this sale is during summer after all) and on the day the Boxing Day sales start I need to be early - really, really early.

It's all part of the fun of the bargain hunting. Hours have been spent poring over the junk mail and listening to the ads on TV. Lists have been made - things for the house, things for the children, gifts to be bought for during the year, even next year's Christmas gift list has been started.

Having a plan of attack (it really is like a bun fight sometimes) will help you get through the day in one piece and still sane. Use a list to know where you have to be first, you'll want to get the most important things on your list first so you don't miss out, then work through the other items you want to buy. If something is really important to you then don't hesitate, buy it straight away. Yes, it may be further reduced a few days later but you also run the risk of missing out. Can you live with that? Or would you rather buy it at the originally reduced price and run the risk of it being reduced again later on?

The after Christmas sales are the perfect time to buy Christmas specific things. Wrapping paper, ribbons, cards, fabrics, decorations, even food will be greatly reduced and could be worth buying. Remember, if you already have enough wrapping paper covered in reindeer and Santa and boxes of Christmas cards to last you the next 10 years I'd say you probably don't need any more. But if the wrapping paper comes in plain colours or less specific patterns it can be used for birthdays, weddings, new babies etc and buying it cheaply will save you money.

It's also a fantastic time to add to your collection of decorations, with items being up to 75% off the original retail price. Lights, lawn decorations, tinsels, wreaths, tree ornaments and craft items can be bought now and stored with your current decorations ready for next Christmas.

One mum I know buys each of her children a new tree ornament each year during the sales. She is putting them into a box, labelled with each of their names, so that when they leave home they'll have a set of decorations for their Christmas tree. I think this is a lovely idea and picking up the ornaments during the sales she is getting much nicer items at rock bottom prices.

Thinking outside the square can save you big bucks. Fairy lights can be used not just for Christmas but for birthdays, to light outdoor patios, to turn a little girl's bedroom into a fairy grotto, just use your imagination. After Christmas they can be reduced by up to 80%, a great saving.

The after Christmas sales can also impact your grocery budget. You'll find turkeys, hams, duck and chicken all reduced after Christmas. Chocolates, puddings, custards and lollies will be reduced as well and they can all be put away for birthdays, Easter and other celebrations through the year. Just check the best before and use by dates so they'll be in peak condition when you go to use them.

Hampers and gift packs are big business at Christmas time and after Christmas they are reduced by anything up to 90%, depending on what they are. I buy hampers, especially toiletries and cosmetics and break them up to use as teacher gifts and small thank-you gifts throughout the year.

It would be easy to go crazy during the after Christmas sales and buy everything that catches your eye. Be strong, don't go crazy and buy because it's there. Shop with a plan and a purpose and you'll be a happy shopper at the end of the day.

The Six Worst Gift Ideas Ever

The busiest shopping time of the entire year has arrived. Australians are flocking to shopping centres, looking for just the right gift for Aunty Maud and little Johnny and everyone else on their gift list.

All of us have heard at one time or another the saying 'buyer (or seller) beware - but in this case, the saying now becomes 'gifter' beware. Many of us give with the best of intentions, but never realize that the gifts we are about to give are truly nightmares - or worse - in disguise. No one ever means to make such a mistake, but these do occur and we are here to help you avoid these mishaps. The following are the six worst gift ideas ever to cross our paths.

No. 1 The first and biggest of the six worst gift ideas ever to give is the item that tries to give a subtle hint for what you consider a needed change in this person's life. We think this is a polite way of doing it, but all in all we cause more pain and trouble than it is worth. Some examples of these types of gifts are things like books for losing weight, an audio book on helping someone with their memory, or even a book on finding the right guy or girl. For the recipient, all they experience is you calling them fat, stupid, and unable to meet good people for relationships. The gift causes pain and depression - the opposite of the intention you had for it.

No. 2 The second of the six worst gift ideas ever given is giving something that shows how little, if any, thought you put into your gift. This happens more often than people like to admit to, and this is why it is number two on our list. An example that springs to mind is the steel wool, wrapped roughly in used Christmas paper, and thrown under the tree, that a relative gave to my brother-in-law one year. It's hard to show thankfulness and gratitude for a gift like that. If you truly don't want to put your heart into giving gifts, then don't even bother - those you call friends will appreciate it.

No. 3 The third out of six worst gift ideas ever thought of would be the extremely large books often referred to as coffee table books. The typical thought when giving these books is that the large wrapped item will make the person so much more happy - but upon opening this tome of a book, almost always the person is anything but happy. Books can be a great gift, but remember that in this instance, regular sized or even pocket sized is better than extraordinarily huge, hard to handle and impossible to read curled up in a chair or bed, books!


No. 4 Fourth of the six worst gift ideas ever attempted is giving a gift that the person has no way to exchange or even be able to give away. We all want the recipient to love our gifts, but we can't get it right 100 percent of the time. So please, do not give a gift from a specialty shop that does not exist in the recipient's part of the country unless you know for sure they want this item in question. If you don't, the person has the potential to be disappointed in you and your gift and your money, time and energy will have been wasted.

No. 5 Of the six worst gift ideas ever to see the light of day, number five may appear harmless enough, but don't allow it to fool you. We all forget a holiday or special occasion and find ourselves desperate to come up with a gift. We know we don't have enough time to go out and purchase something, and making something is out of the question. So we look through what we own and give the special someone a gift we ourselves were given before, or even something we had bought for ourselves. The problem is the immense guilt you feel after the fact for doing so. Remember, even with items that at first appear free to give away - there is always a cost.

No. 6 Finally, the sixth worst gift idea ever is the one where you buy the item, actually wanting it for yourself, but you figure the recipient will not want it and will give it back to you to be returned or exchanged. Please know this: this type of plan will always backfire on you, and is horrible to attempt in the first place! If you want the item, buy it. Choose something you know the recipient wants, needs, likes and will enjoy and you will both be wearing smiles.

As you hit the shops with your gift list in hand, keep these six points in mind. It is easier to find the perfect gift than you think.

Waste Not, Want Not

Mum gave me a huge bunch of silverbeet yesterday. Now in our family silverbeet isn't a favourite vegetable, but it's tolerated in small doses. I usually steam it with some garlic and then toss through a little cooked rice and about a teaspoon of butter and I find that the fuss pots will eat it. But this was a huge bunch so unless I planned on serving it for a week I had to think of something to do with it.

Friday is my clean out the fridge day and while I was digging around on the second shelf I found some feta that needed to be used up and a little grated cheese left from Tuesday night's pasta. In the freezer I had some filo sheets so spinach and feta rolls popped into my head. I don't have a recipe as such, I adapt the recipe off the back of the filo packet to suit so each time I make them they are a little different.

Here's the recipe from this afternoon's spinach and feta rolls.

Spinach and Feta Rolls

Ingredients:
6 sheets filo pastry
Bunch silverbeet
200g feta
2 eggs
60g grated cheese
1/4 tsp nutmeg
30g butter, melted

Method:
Steam silverbeet until wilted. Drain until dry. I tipped it into the colander and when it was cool enough used my hands to squeeze the liquid out of it. Beat the eggs with the nutmeg, add to the silverbeet along with the crumbled feta and grated cheese. Mix well. Take a sheet of filo and brush with the melted butter. Layer another sheet of pastry, brush with butter and then add a third sheet. Take half the silverbeet mixture and place in a row longways down the middle of the pastry. Fold the sides in as you do for sausage rolls. Repeat with the other three sheets of pastry. Place the rolls onto a greased baking tray. Bake in a hot oven, 200 degrees, for about 20 minutes or until the pastry is golden brown and the filling is set. Remove from the oven trays and let cool. Cut into slices to serve.

They must have been good because the kids attacked them for afternoon tea. The leftovers are in the fridge for tomorrow's lunch. They'll be good cold with salad.

I also made the first batch of fruit mince tarts for this year's Christmas season this afternoon. I love fruit mince tarts, they are my favourite Christmas food. Thank goodness they are a Christmas tradition because they are very rich and very high in fat (all the suet in the fruit mince). I cheated this afternoon and used bought shortcrust pastry sheets to save time. Four sheets of pastry and one jar of fruit mince made 26 pies - not a bad effort. Total cost $7 - $3.23 a dozen. Considering I saw them for $9 a dozen at the supermarket on Thursday I can live with that price. And they are very yummy with a cup of coffee.

It has been spitting rain all day so the washing has been on the clotheshorse under the verandah to dry. Apart from the seams on the jeans it's all dry and ready to be put away. Unfortunately this is the part of doing laundry that is the hardest part. It's just one of those things that I tend to procrastinate on. I have no idea why, it's easy enough to do and the sight of the empty washing basket really makes me smile. OK, off to put the washing away and start dinner.

Today I am thankful for:
The constant drizzle to water the veggies
A verandah to keep the washing dry
Mothers who share the fruits of their labours (and their veggie patch)

Is there such a thing as too much cleanliness?

Carol McIntosh says "I have a theory about all the eczema, allergies etc around today - too much cleanliness! Soap and water is cheap and effective. I always remember an old lady telling me that she always wanted a lovely bathroom but never had enough money to change her it. When her children grew up they could not remember the bathroom but remembered the days at the river in summer etc. Perhaps there is a lesson in this. Relax a little, just chill out with your children and see what happens to the eczema."

Before my first baby was born my doctor told me a similar thing. Actually what he said was I'd have to lower my standards once there was a baby in the house. I was stunned. You have to understand my mother's nickname is Mrs Sparkle and I have inherited some of her cleaning genes so being told to lower my standards was unbelievable.

He then went on to tell me that soap, hot water and elbow grease were more than adequate for cleaning most household surfaces. Another suggestion was to keep the disinfectants, bleaches and stinky chemicals for when they were really needed, such as during outbreaks of contagious illness.

Dr. Max wasn't telling me to leave our home dirty. He was telling me to keep it clean, not sterile. So, clean it has always been and I can tell you that cleaning with soap and hot water and elbow grease works. I will confess right now that I tend to use mostly water and micro fibre cloths, with soap for the baths basins, sinks and outside of the toilets. Even the windows are washed with cold water and dried with a micro fibre cloth.

In the cleaning cupboard at the moment is a basket of rags for cleaning and polishing cloths, a box of laundry soap, some scrub buds, white vinegar, a half box of bi-carb, borax and washing soda and about a dozen assorted micro fibre cloths. I love those micro fibre cloths, they do a great job on everything.

Those few simple items, along with a soft broom, the vacuum and the steam mop keep the entire house clean.

I haven't added up how much money we have saved over the years by not getting brainwashed into believing clean wouldn’t happen without a dozen different products but I'm pretty sure it's a lot. According to the grocery tracker we have spent a grand total of $8.72 since January on cleaning supplies. That was for some soap, 2 litres vinegar and some scrub buds. I'm thinking that's not too shabby, how does it compare to your spending?

Graduation day

Today is graduation day for my firstborn. I can hardly believe that my baby is 18 already and at 9.30pm tonight will officially finish his formal education. Any schooling that comes after this may still be formal but it will be because he wants to continue his learning, not because Mum and Dad have said "it's a school day so you go to school".

I just know that I'll have a tear in my eye as I watch my strapping 6 foot tall son with his mop of unruly blond hair step on stage to collect his certificate and say goodbye to school. I wish I could say he has enjoyed school but the truth is for the most part he found school boring. This boy finds learning easy and if the challenge is to easy or not even there then he wanders off to find something else to focus his mind on, something not all his teacher appreciated or really understood, but still they supported him and encouraged him to the very best of their ability. And now that stage of his life is about to end.

What the future holds I don't know. He's hoping to get into uni and we are hoping that he gets his wish. Whatever happens I have to know that I have done my best to raise a young man who is kind and caring, who doesn't have a selfish or greedy bone in his body and who takes responsibility very seriously.

Which is why his father and I have an appointment with our family solicitor to update our wills. Now that we have a legal adult as a child it changes a number of things for our family and we need to make sure that those changes are properly documented and recorded. It is so important to make sure that our dreams and plans for our family will be carried out if something unforseen happens to us.

If you haven't updated your will recently (and I believe it should be reviewed at least every two years) or God forbid, you don't have a will (and even if you are single with no assets and no living relatives you should have a will, if only to leave instructions for your burial) then take the hour to see a solicitor and get one drawn up. It is worth getting a will drawn up by a solicitor the first time, at least so you can gain some understanding of what is required. After that you can use DIY kit if you are confident that you know what you are doing. But whatever method you choose, write a will. Without it you are leaving a whole lot of worry and distress and I'm pretty sure that you don't want to add to your family's grief in any way.

Enough of the morbid talk. We are moving into the time of year that is supposed to be the happiest. I love Christmas and the summer holidays. I can't wait for school to be finished for Thomas and Hannah because I love having the kids home (but mainly so I don't have to rush so much in the mornings). We are gearing up for the big decorating day which if the kids get their way will be this coming Friday because they have a pupil free day. I've tried to tell them Monday is the first of December so we should wait until Sunday but their selective deafness kicks in and they just don't hear me.

Hannah has printed off the Advent calendars. I did wonder if they weren't too old for them but they all assure me that they'll never be too old and if I breathe a word to any of their friends they'll tell them I've flipped my lid and must be dreaming. They are quite cute, Christmas trees ready to decorate with coloured balls. There are 24 balls on the tree, one to colour for each day and the kids have decided to have a competition to see who has the most colourful calendar by Christmas Eve. I put the link to the calendar in this weeks newsletter but in case you missed it you can print one off here.

The silly season has arrived

Yes, it's that crazy time of year again. It comes earlier and earlier each year and I'll confess to being a fan of Christmas. I love the craziness of it all, decorating, baking, wrapping, eating, drinking and laughing with friends, family and neighbours.

I adore choosing gifts to make or buy and deciding how to wrap them. I'm like a kid in a candy store while the Christmas trees are going up (yes, we really do have more than one), I love going through the boxes of decorations, deciding where to put them all. Choosing stickers to put on the Christmas card envelopes takes me hours - they have to be just right. Writing the cards takes a few evenings, it's important to get the message in each one just right and I just love getting settled down with pen and card (and address book) and writing those messages.

But my very favourite part of Christmas is putting the gifts under the Wishing Tree. As a family we have put gifts under the Kmart Wishing Tree since Allan was three weeks old. These days the kids choose their own gifts and who it is to be for and on the first Sunday after school finishes we go through the present box to choose something suitable or the materials to make something, then we deliver the gifts to the tree and stop off for a 50 cent ice cream from Maccas on the way home.

There are only two weeks of school left for Hannah and Thomas and talk on the way home today was what to put under the Wishing Tree and when to go through the present box. It seems this is a favourite part of their Christmas too.

Today I am thankful for:
a son who has successfully completed Year 12
three gorgeous kids who willingly share and are generous to those less fortunate without being nagged
the beautiful rain that is finally falling here
the SES and other volunteers who put others before themselves in the Queensland storms this week

Happy Melbourne Cup Day

Are you as amazed as I am that a horse race can be considered so important that it warrants a public holiday? I'm not complaining, I love Cup Day. It's traditionally our family picnic day, has been since I was a little girl. We are breaking with tradition this year and barbecuing at home so Allan can keep reviewing for his exams without missing all the fun (and it's raining YAY!). It's also Wayne's birthday today so I'll be busy making a cake for afternoon tea.

We used to go to the beach and it was made extra special because we would stop off at Kentucky Fried Chicken and Mum would go in and get a box of chicken for us to have with our picnic. Oh my goodness we loved Cup Day. It was the only day we ever had anything as special as bought chicken! My Mum was good at stretching her dollars and I am pretty sure she stretched a few meals to be able to buy that KFC for us once a year. And I'm pretty sure if she could have figured out how to make it herself she would have to save that money.

Thank goodness this website and Cheapskates Club members are here to help with hints, tips and ideas because there is a recipe for homemade KFC in the Recipe File and it's pretty darn good. And very, very cheap, about 34 cents per drumstick as opposed to the $2 per piece KFC charges!

A birthday tradition in our family is that the birthday boy/girl/mum/dad gets to choose dinner and tonight we are having homemade hamburgers - Wayne's favourite mock takeaway. Making burgers at home is so much easier than buying them from the fish and chip shop and only a fraction of the price. Instead of costing $7.50 each they cost under $2, depending on how generous I am with the salad. To get the burgers just like bought ones I use my Tupperware burger press. It's one of those gadgets that can be pushed to the back of the cupboard and forgotten but is actually quite handy. If you have one lurking in your kitchen dig it out, it will save you money and everyone will think you are a burger maker extraordinaire.

We like wedges with our burgers and they are so easy to make I don't know why anyone would bother buying them. I use one potato per person and scrub it clean. Then I cut them into quarters and then cut each quarter in to three or four pieces, depending on how big the potato is. Toss the pieces in a bowl with a little olive oil and some paprika (1/2 - 1 teaspoon depending on your taste). Bake them on a flat oven tray in a hot oven for about 20 minutes, turning after 10. They may need a few minutes longer, test with a fork to see if they are cooked through. Again, the savings are big: 1 kilo of potatoes cost around $1.00, add approximately 50 cents for the oil and paprika and the saving is at least $2 on the bought product.

I also make a secret 'burger sauce' that everyone loves. It's a secret because it's so easy to make I'm almost embarrassed to tell you how I make it. Well not really. It's super simple, very cheap and makes burgers extra special. I add two tablespoons Kraft Coleslaw dressing to 1/2 cup tomato sauce, stir to combine and spread it on the buns. It's that easy.

Well if I am going to make a birthday cake and burgers and wedges as well as send the newsletter and help Allan with some revision I need to get moving.

I hope you all enjoy Melbourne Cup Day, wherever you are.

I've been on a shopping spree

Just after we were married my sister-in-law told me that I would need to replace all the linen every five years. Her theory was that sheets, towels, tea towels, tableclothes only lasted five years and then they had to be replaced. So, if the linen you were using was all wedding presents, then around your fifth anniversary you'd be up for replacing your entire linen cupboard and that could be expensive.

Well we've been married almost 20 years - how time flies - and I am just now coming to the stage where I need to replace sheets, towels and tea towels. With this in mind Mum and I went on a little shopping spree to refill my linen cupboard yesterday.

Towels were the most important thing on my list. I had made bathmats and hand towels from some of the older ones so the supply of towels for the bathroom was sadly depleted. We went to The Towel Shop, a fantastic outlet in Bayswater and I had so much fun choosing colours (colour schemes have changed somewhat in 20 years!) and sizes.

I bought four new bath sheets for just $5 each (RRP $19.95 each) and another four bath towels for $5 each (RRP $14.95 each) along with 4 new bathmats for just $3 each (RRP $11.95 each) and 20 face washers for just 50 cents each. Face washers make great cleaning clothes so I now have five burgundy for the bathrooms and five navy blue for spills and floors. The other ten are for us to use. All up I spent just $60 with a saving of at least $135.40 (I have no idea what the RRP of the face washers is). Now the linen cupboard is full again, everyone is happy with nice new towels to dry off with and I am pretty sure I won't need to buy new towels again for a good few years.

Oops, nearly forgot to tell you where this great outlet is. You'll find The Towel Shop at Factory 12, 52 Corporate Boulevard, Bayswater. Corporate Boulevard runs off Dorset Rd, just down from the Mountain Highway intersection. It's a fairly new estate so it may not be in your street directory.

Success at last

If you heard rumbling this morning it wasn't thunder or an earthquake, it was me doing a happy dance around the house! I finally managed to get the newsletter to do what it is supposed to do (or at least what I want it to do) and get it sent out. I really miss sending the newsletter, it has become a part of my weekly routine. It's amazing how something so simple as getting an email to actually go can change your whole outlook.

It's amazing just how satisfying getting what you want can be. I can tell you I have not been happy these last few days while we were trying to fix the newsletter. I don't mind having to do something a couple of times to get it right but over and over and over becomes tedious and frustrating. And then, out of the blue, everything just falls into place and all's right with the world.


It's a bit like saving. Getting that first thousand dollars tucked away seems to take forever, the deposits are slow to add up, you are tempted to give up it's taking so long and then one day you've reached your first thousand. The trick is to keep plugging on. Don't give up. Everyone experiences set backs now and then. The winners pick themselves up and keep on going because I can tell you from experience that before you really know it you'll have two, three, four even five thousand dollars safely saved. And that is satisfying.

The week that was...

Tuesday
Today is usually newsletter day for me. For whatever reason the wretched thing just won't do what I want it to at the moment and I am beyond frustrated! To paraphrase: when technology is good it is very, very good, but when it's bad it's rotten! Of course not being a techy type person I just expect that what I want is as simple as striking a few keys and Julie tells me that it's not quite the way things work. Ho hum, but I want it too so badly.

Perhaps being up extra early two days in a row could have something to do with it. Hannah left for her first ever high school camp this morning and she made sure she wasn't going to be late for the bus. The alarm went off 45 minutes earlier than it needed to! But she was on time. I was a little teary which is strange because she is always off somewhere or other for sleepovers or on camps with youth club so I totally did not expect to be sad waving her off this morning. Not that I was allowed to stay and wave her off. The only thing I was allowed to do was help her carry her things to the bus and then leave! I was told in no uncertain terms to go, she could manage just fine. So go I did - straight home to a 99.9% fat free hot chocolate. Doesn't quite have the same oomph as my coffee but I am being good and trying to cut right down to just one cup a day.

I'm getting there slowly but it's hard to find a hot drink replacement that I like. And I really like my hot drinks. So far I've tried tea. Not a huge success, I'm just not a tea fancier. I've tried hot lemon drinks and while I love the lemon zing they remind me so much of head colds and winter flu that I don't think they will be the replacement I need. So far the 99.9% fat free hot chocolate is winning but another few weeks and my head will be telling me it's way too warm for hot chocolates. If you have any suggestions for a replacement let me know. I'm getting desperate.


Wednesday
A busy day. Of course. The day I have planned to play catch up turns into a busier than ever day. Ran the boys to school and while I was over that way zipped up to my Auntie's to try and get their car started. They've been away for six months and get back tomorrow night and I thought it would be nice to have the car at least running for them. No luck. Jolly thing was as dead as a dodo so I rang Wayne. Upshot is we went back over on Wednesday night with the battery charger and ended up calling the RACV. The lovely RACV man was able to get it started and Wayne put it on the charger overnight.

Raced home and put the washing out, it was a lovely windy day and I wanted to get it in before I had to head out again. Managed to get some office work done, not much as I was sidetracked by emails, but the basics were covered at least.

Left again for a meeting at noon, had to turn around and race back home because I had left a folder on the desk. Finally managed to get there on time but only because I found a parking spot right outside the door. What a blessing that was. It was just a parking spot, but it was where I needed to be and available right when I wanted and needed it. It made me think about all the single, little things that happen that are blessings just as much as the big things. In fact when I thought about it I realised just how blessed I was each day. So many things just "go right" that I have been taking them for granted and I shouldn't. It's time to start a thankful list I think. A reminder of just how blessed we are.

So today I am thankful for:
Wayne and the kids
Our home
Safe travelling to and from school and meetings
An oven that works so I can prepare food for my family
A fully automatic washing machine for saving me time and energy
A lovely warm, windy day for drying washing
The Internet so I can work from home
Incredible teachers who are prepared to give up their time to go on camp with 40 odd 12 and 13 year olds
My bed - it's a running family joke that if I could just get a fridge and microwave in the bedroom I'd never leave it. I love my bed, it is so comfortable and cosy.

Thursday
I've given up on trying to get the newsletter to do what I want. It will be a very boring looking newsletter this week, but it will still have all the news. Just not look as nice as I want it to. Working on getting it back to normal next week. Actually working flat out on getting it back to normal next week.

I picked my first sugar snap pea this morning. It was very nice and I felt a little tingle of excitement as I pulled it off the trellis. The crunch as I bit into it was so loud, that one little pea was the nicest I've ever had I think.

There are so many flowers on the tomato bushes and if all the baby zucchini actually mature then we'll have zucchini coming out our ears. I can foresee lots of quiche and zucchini pies and hopefully enough for more pickles. We are almost out of the lot I made last summer. The cabbages and cauliflowers have set and little tiny heads are developing. And I have started to pull the leaves off the lettuce and add them to our salads too. With plain old iceberg lettuce being $2.96 each this week that alone will save us about $10 a week!

I sprayed them with dish detergent and water this morning. I noticed something has been eating the eggplant and the capsicum so I gave them a squirt in the hope that whatever it is will disappear and leave my garden alone.

While I was outside I made a mistake. I saw a weed and pulled it out. Then I noticed another one and pulled it. And then there were more. Before I knew it there were so many I had to go and get the garden bin. And then sweep the pavers and the path. That's when I noticed that the bushes in the end garden were getting a little out of control and so I quickly grabbed the secateurs and trimmed them back. It did make it easier to sweep the path. With all the dust whipped up by the sweeping the table and chairs had to be wiped over. And before I knew it I had been outside for an hour and all I really intended was five quick minutes to look at the veggies. But the pergola is looking very nice and tidy and the garden is in tip top shape.

Today I am thankful for:
The RACV being able to get the car started last night
Mum being allowed to go back to swimming, it means her health has improved
Sons who are happy to help out at home without being asked, especially when they know I am feeling swamped
A nice clean car, it's amazing what 15 minutes, a vacuum and a duster can do
Good freeways so I can get from home to the airport easily and relatively quickly
The Internet so I could look up flight information and know that the plane was half an hour early
Meals in the freezer so everyone can help themselves for dinner tonight

Friday
NQR has opened a new shop at Forest Hill so I called in on my way home from the morning school run. It's a lovely shop, a much better lay out than the one I normally go to. And lots of lovely bargains to be had. Valencia fruit juices (2 litre bottles) for $1.89 each, cheese slices $2.79/500g (this equates to $5.68/kg, not a bad price for sliced cheese) and frozen stir fry veggies $1.99/kg, again a good price and they are good to keep in the freezer for quick dinners.

As I was already in the area, actually in the same street, I popped into the Lions Den, one of my favourite op shops. I splurged on a 50c tea cup for a craft project I want to try out. I was tempted by a very cute cut glass savoury dish but bravely put it back. What I did buy was another curtain to make some more veggie bags. Mum wants some made so I've been looking for a cheap curtain. This one was only $3.50 and I'll think I'll be able to get at least 15 bags from it. The girls at the fruit shop just smile at me now when I hand them my "green" veggie bags but they were a little bemused for the first few times. It would be so nice if they caught on. Imagine how many plastic bags wouldn't end up in landfill if everyone used fabric veggie bags?

Hannah is back today and I can't wait. I have missed her so much this week. I've only had to answer one question all week. The boys just don't seem to say "Mum, can I ask you a question?" the way she does. One thing I did notice, apart from the quiet (it's amazing how much extra noise one child can make, you don't miss it until it's not there), is that the house stayed so much tidier. It's amazing just how much stuff one girl thinks she needs to be using at the same time. All week the family room has been tidy, nothing on the floor, no piles of paper or books or craft on the table or stacked on a chair. The boys are planning on giving her a good teasing about it. They emphatically announced that it is Hannah and only Hannah that makes the mess. That's not quite true, they do help, they just don't have as many things on the go at once as she does.

Well it's 2.45 and I don't want to be late for pick-up today. I want to be on time to get my girl and see how much she's grown and changed in four days at camp.

Today I am thankful for:
Discount grocers to help me stay on grocery budget
My girl getting home safe and sound and very, very tired, but full of exciting news
Teachers who cared enough to make sure she put the ointment in her eye each night before bed
Op shops so I can use our money wisely on things we need and on things we just want
Friends who make me laugh and smile with their tales and antics
Daylight saving so Wayne can see what he's cooking on the bbq without using the lights

This morning I had to be in the city, at Docklands, by 7.45am for this mornings Sunrise segment. This meant an extra early start for me and the kids, who very kindly woke and dressed without a grumble so we could leave home by 6.30am. Yes, it takes at least an hour, oftentimes longer, to get from home to Docklands in the morning peak hour , and me being me, I like to have a little spare time up my sleeve in case of hold-ups. We had such a good run in this morning I was signing in at Channel 7 by 7.25am. I was grateful, the few extra minutes gave me time to catch my breath before the segment started.

Another reason I wanted to leave a little earlier is that AJ was driving. He's only a few weeks off getting his licence and it suddenly hit me that he has had lots of driving on residential streets and main roads and plenty of highway driving time but he had never actually driven in the city during peak hour. I apologise to anyone who was behind us this morning but he did a great job and wasn't at all concerned about the huge amount of traffic around him or all the stop/start driving, even the trams didn't seem to bother him. He also managed a couple of square turns without blinking an eye too, I am very proud of him.

We have been drumming into him the 'drive to conserve fuel' routine - you know the smooth take offs and braking, keeping the revs under2,000, watching the traffic ahead and anticipating, driving at a consistent speed because I noticed the petrol bill creeping up once he started driving. It seems to have made a difference. He drives to and from school and trains and anywhere else he can and I haven't increased the petrol money and we haven't run out so I'm hoping the habits will stick once he's in his own car (and paying for his own fuel will help with that I'm sure).

There are a couple of apples going wrinkly in the fruit bowl that need using up. Because the kids had to get up so early I am going to make them apple fritters for afternoon tea, as a thank you for being so tolerant of their mother and her work and just because they are great kids and I really love them to bits and like to spoil them. They are really easy to make but if you want to have the best apple fritters you need to make the batter a couple of hours beforehand to give it time to rest.

~Apple Fritters~

Ingredients:
2 cups self rising flour
3 tablespoons sugar
2 eggs, well beaten
1 cup milk
2 cups tart apples, chopped (I use whatever apples are in the fruit bowl but Granny Smiths are the best if you are a purist)

Method:
Whisk flour and sugar together. Beat eggs and milk together until light and fluffy, gradually add to the dry ingredients, mixing well to avoid lumps. Refrigerate batter for about 2 hours. Stir in the apples. Drop tablespoonfuls into hot oil and fry until golden brown. Roll in icing sugar or a sugar/cinnamon combination. Yum!

It's an odd day here today. Quite warm but looking out the window it could be the middle of winter. It's so grey, not a patch of blue sky to be seen and no sunshine at all. It's also very window, I had to go through the house and close the windows when I came home, the blinds and curtains were blowing all over. I've put the washing out, Hannah decided last night that she wanted to take the jeans she was wearing on her camp tomorrow so I put the washing through last night and hung it out early this morning. Now I am just watching the weather, they'll be dry soon and I don't want it to rain on them, although the rain would be a blessing.

Sunday happenings

This morning was such a lovely sunny Sunday morning I couldn't stay inside. I crept out of bed at 6.30 and with coffee in hand slipped out the back. It was so warm, the warmest morning we've had in ages. Sunday is our day to water so I gave the ferns a good drink and sprinkled the veggies and pots while I had the hose out. Now the weather is warming up the ferns are going to need more regular drinks or I fear I'll lose them and I would hate that. The ferns and the veggies are really the only things in the garden that I look after. Thank goodness natives are used to drought conditions and can look after themselves but I look out the kitchen window straight into a tropical forest of tree ferns and even on the hottest of days it looks so cool and green that I feel better straight away so I will have to make sure I'm up and out watering by 6am on Wednesdays and Sundays for the rest of the summer.

While I had some quiet time this morning I was able to update the Tip Sheet for the week and it kind of made me feel a little guilty. Getting Fit on a Budget is something I really need to pay more attention too. Actually getting fit at all. I ride my bike almost everyday and I enjoy it so now daylight saving has started I should push myself to go a little bit farther each day and get a little more exercise. It's free after all and I really do feel great when I get back home so I'll think on it and see what I decide.

I managed to get the school uniforms washed on Friday afternoon, but I didn't do the boy's shirts. When I first realised their uniform shirts were white I almost had a fit but really they are much easier to look after than the blue ones they wore in primary school. I can soak white shirts in a little nappy soak or give any marks a rub with a bar of soap and they come up beautifully white and clean. This morning I filled the laundry tub with hot water and soaked the shirts and a few pairs of white sports socks that looked a little dingy for an hour before I put them into the wash. They are on the line right now and boy are they white! I'll be able to get them in and ironed in a little while too, the wind is blowing nicely so they will be dry in no time.

I've swapped the menu around today. I found a leg of lamb languishing at the bottom of the freezer so it can go on the bbq for dinner tonight and then lunches for the week. I've already pushed cloves of garlic into the skin and sprinkled it with rosemary. Before it goes onto the rotisserie I'll pour lemon juice over it and then it can cook slowly until it's done. I must remind Wayne to keep basting it with the lemon juice too, it gives it such lovely subtle tang. The chicken we were going to have can do for another night.

The coming week is going to be a busy one. Already everyday has something out of the ordinary booked in. Tomorrow morning I am on Sunrise at 8.15am so that means an extra early start to be in at Docklands by 7.45, then back out to get the kids to school by 9:00am. They'll come with me into the city so it will be an early start for them too. I must remember to get the breakfast things out tonight so they can just get up and eat in the morning. There are a couple of bananas in the freezer so I'll make them some banana pancakes to have instead of toast and that should save a little time too.

Tuesday Hannah is off on school camp, so another early start. Then Wednesday the car is going in to get some work done (thank goodness for a mechanic we can trust). Thursday is a trip out to the airport to pick up my aunty and uncle who are returning from visiting family in the US. I can't wait to catch up with what everyone is up to, I miss my cousins and their families terribly. Thank goodness for email, Picassa and Skype. We chat via one or the other almost everyday and share photos back and forth regularly so it's almost as good as being face to face, although I'm just getting up when they are going to bed. Friday is shopping day and my girl will be home from camp too. And that's the coming week. Throw in the usual chores and it will be busy, busy, busy.

Reading on a sunny spring Saturday

Why is it that on the mornings I don't need to be up and at 'em at first light I can't sleep and yet on the mornings I do I can't wake up? Murphy must have permanent residence at our house I think. I could have slept until 7.30 this morning and still have plenty of time to get up and organized for the day but would you believe I was awake, wide awake at 5.45am? By 6 o'clock I couldn't stay still so out of bed I climbed.

I'm so glad I did. It was a beautiful dawn, the light was just magical. And as a bonus I looked out the lounge room window and the apple tree that has been bare for so long has come into blossom and it is so pretty. I'm sure it didn't have blossom on it yesterday but it certainly has today. Oh, and the tomatoes have loads of flowers on them and the sugar snap peas are starting to flower too and I can hardly wait to start picking. There's something so satisfying about picking and eating food you've grown yourself and it always tastes better too.

I lashed out a couple of weeks ago and bought a mushroom kit from Aldi. We love mushrooms and I use them a lot in salads and quiche but at around $9/kg they can be an expensive addition to the grocery bill so I am going to try my hand at growing them again. I think that under the back verandah will be the ideal spot for the box. It's dark, cool and damp and I can get to it easily enough. Here's hoping it will give me at least two kilos of fungi, then I will have recouped the initial cost. Any over that and I'll be in front and very happy.

We had a simple lunch today - homemade pies with chicken casserole from the freezer as the filling. I changed the pastry this time and it was a big hit with everyone. I cut the bases from shortcrust and used puff for the tops - yum! Hannah made some little jam popovers from the scraps and they were a treat with cream for dessert. No waste from this meal at all.

Hannah has gone off to youth group early today. They are doing their community service badge and collecting for charity for a couple of hours this afternoon and then they'll have their usual get together this evening so it will only be four for dinner tonight. We are having tacos and I'm planning on the leftovers for lunch tomorrow. If I add an extra can of beans to the mix there will be plenty left for nachos tomorrow and they'll taste even better after being in the fridge overnight.

Well I have a new book I am itching to get into so I think I'll go get it and settle down for an hour (or two) or peaceful reading. I can't think of anything I'd rather do on this gorgeous spring afternoon.

Friday is my at home day. It's the one day of the week where I deliberately don't make plans to go out, meet anyone, do any interviews or make any other appointments. Friday is cleaning day. It was cleaning day when I was growing up and I'm not sure what would happen if I changed it but I sure as heck am not going to risk it.

Every Friday I clean our home from top to bottom and it positively sparkles by lunchtime, in my eyes anyway. Today was an especially nice day for cleaning, bright sunshine, stunning blue sky and just a light breeze to dry the washing. The gorgeous day prompted me to start washing the winter blankets off our beds ready to put away until next April. Two down, two to go. They may get done on Sunday.

I'll let you in on a secret: cleaning has become easier for me as I've eliminated products. Nowadays I have white vinegar, bi-carb, laundry soap and lots and lots of microfibre cloths. Put those together with a bucket of cool water and there isn't much that can't be cleaned, and cleaned quickly. There's not a lot of residue to clean off anything when you use simple cleaning solutions. There are some recipes for simple but really effective homemade cleaning solutions in the October Journal if you are not sure what to use to clean things.

I've even changed the way I polish the furniture. Mum found some gorgeous orange scented beeswax furniture polish when she was a way and bought a tin for me. It is so nice to use and gives the furniture a lovely glow - patina I think the antique dealers call it. It's the glow built up over time by repeated polishing. Whatever it's called the timber has never looked lovelier.

One thing I noticed as I was cleaning out the fridge is that there weren't any leftovers lurking anywhere this week. I usually find at least a couple of odd things hiding at the back and use them to make a mufti soup or stew or pie or something but not this week. It was a little off-putting until I realised that I have been extra careful with portions and recipes to try and keep the grocery bill down. Don't get me wrong, no one has been hungry and there is still plenty to eat if they are, but I have been making sure that absolutely nothing is being wasted. Hopefully it will show when I go shopping next.

Another thing I've gone back to doing faithfully is tracking our spending. The kids have even been telling me what they've been spending their money on so it's been going into the notebook too. So far this week we have had three days with no spending by any of us, so that was neat.

I picked up a jar of Tandoori powder at the greengrocer last week, it was only $2.25, must less than the jar of paste I usually buy (I haven't tried making my own yet). By my estimate it is the equivalent of 20 jars of the paste so that's a considerable saving. If you're interested it is GFresh Tandoori Seasoning, Spicy. The company is SA Spice, 64 Wood Ave, Ridleyton. Ph. 08 8346 0688.

There were some bbq lamb chops languishing in the freezer so I mixed 1/2 teaspoon with 1/2 cup plain yoghurt (homemade of course) and it was just lovely. I brushed them with the tandoori and put them in the fridge for a couple of hours. Then Wayne cooked them on the bbq while I made a salad like the one we get at our favourite Indian restaurant. It's a simple salad - torn lettuce, diced cucumber, diced tomato and thinly sliced onion tossed together and seasoned with sea salt and ground black pepper. Hannah made some naan and we had a really nice "Indian" dinner and for about a quarter the price of eating out.

Our kids have had lots of questions this week about money and banking and how a bank in another country can cause such trouble all over the world. Hopefully we have been able to reassure them that as a family we will be fine. They understand that we don't have any debt, I think I've told them often enough that credit cards are not for spending so they know we don't have any cc debt and they know we bank regularly into a savings account that is just for saving. They also know that when the gas bill came in this week I was a little unhappy, it was slightly over what I had budgeted for this bill and I wasn't happy until I worked out that the price has actually gone up, we haven't used more than usual, so we are all working on ways to cut back on using gas. We are trying to get the next bill down to the minimum charge.

If it is to be it is up to me

Well what a week the past seven days have been. If you have been watching the news, reading papers or listening to the radio you'll know that our world is in an absolute financial mess and that mess is going to have a huge negative impact on each of us if we are not aware of what is going on and take action to protect ourselves and our families.

The events of the past few weeks have been enough to have a lot of Cheapskaters asking "what does this mean for me?" Now that I have stopped stomping and grumbling and getting upset and muttering about greed and stupidity and incompetence and over inflated egos I can tell you that as Cheapskates we are in a great position.

There are ten little words that will make you strong: if it is to be it is up to me.

I believe that there are four things we can all be doing that will cement our financial future regardless of what happens. Firstly we need to keep on building our savings. Pay yourself first isn't just something I talk about, it is something I do and I want you to do it too. I know it might seem wrong to be building savings when you have debt (and I'll get to that in a minute) but it's not. You need to build an emergency savings account of at least three months (preferably six, even better twelve) total living expenses. To do this you need to be saving regularly. Even a small amount banked regularly and left will grow quickly and considerably. Remember in Mary Poppins when they were at the bank? Compounding interest really is magical.

Secondly, as Cheapskates we know how to live below our means and we know how to pay down debt, and pay it down quickly. My advice to you is that right now, if you have any debt at all, you should be paying it off as fast as you can. Now is not the time to be paying minimums on anything. Get your Payment Push going and put every spare cent you have onto paying down your debt. You'll be saving yourself a heap of interest and you'll be gaining security that can't be taken away from you. If you owe no one you can't lose.

Thirdly, think before you spend. Stop spending if you can. This is where the $100/24 Hour Rule can be applied. Think long and hard before you buy things that aren't strictly necessary. And look at cheaper alternatives to the things that are necessary. Now is a good time to be cutting expenses.

And lastly, get rid of those awful credit cards. Take a pair of scissors and cut them in half. And don't try to tell me you might need it in an emergency. That's what your emergency fund is for. You do not want to have your credit cards paid off and no money saved, only to have to resort to using them again if the car breaks down or the washing machine stops spinning. If you have built up an emergency fund then you will have the cash to cover the emergency and you won't be paying it off forever.

Kids in the kitchen

Here's a fun recipe the kids can try during the holidays (or you can just make it for yourself). It was sent to me by Jeanette Tomlinson, and I can tell you that even the boys had a go at making it.

Three Minute Chocolate Cake

Ingredients:
1 large coffee mug
4 tbsp plain flour
4 tbsp sugar
2 tbsp cooking cocoa
1 egg
3 tbsp milk
3 tbsp oil
Small splash of vanilla

Method:
Add dry ingredients to mu, and mix well. Add the egg and mix thoroughly. Pour in the milk and oil and mix well. Add the vanilla and mix again. Put your mug in the microwave and cook for 3 minutes at 1000 watts. The cake will rise over the top of the mug, but don't be alarmed! Allow to cool 2 minutes and then eat or gently run a knife around the edge, tip out onto a plate to eat if desired. You can get two serves from the one cake if you cut it in half vertically. Put it onto a plate, add a scoop of ice-cream and enjoy.