"Secrets to Saving Money in New Zealand" Free Newsletter - March 2008

This issue includes:-

  1. Sad Sally, Happy Hanna: Who's Going Nude?
  2. April is No Landfill Month
  3. Sophie Gray: Waste Not, Want Not
  4. Best of the Forum: Renew, Reuse and Recycle
  5. Penny's Blog: A Fool and His Money are Soon Parted
  6. Homeopathy Corner: Reducing Landfill
  7. From Last Month: Jam and Chutney Preserving
  8. This Month's Help Request: Wasteful Housemate Drives Me Crazy!
  9. Savings Story: Simple Steps to Get Organised Reaps Huge Rewards


How are you going? I hope you are doing really well. This month is going to be fun. It is No Landfill month - a great opportunity to improve ourselves and our lives. A couple of months ago I had the pleasure of meeting Vonnie (aka Fairy from the Savings Forum) at a Simple Savings meeting. Wow! What an inspiration she is. Vonnie grows most of her own food, washes her plastic bags in a bucket of hot soapy water, then hangs them on the line to dry and reuse. Her household only generates one very small bag of rubbish a fortnight. That is impressive. So this month, let's all see how much we can lift our game. If Vonnie can do it, so can we!

It is wonderful how almost everything that saves you money and helps you get out of debt also helps the planet and slows global warming. Together we can achieve marvellous things. Thank you for your help and thank you for your support. You are part of something amazing. Please read the following and give yourself a huge pat on the back. You deserve it!

"I'm sure you get emails like this all the time - but WOW! I'm so glad I joined. I've learnt so much already, and it's only been about 2 hours. My only problem is that I can't tear myself away from the computer to go to bed!" (Amy Currie)

"I just wanted to write in and thank you for this wonderful site. I have been increasingly careless with my money over the past few years, not looking at the prices of things in the supermarket, eating out whenever I didn't feel like cooking and clothes shopping as a hobby. Simple Savings has made me very conscious of my spending and wasteful day-to-day habits (using the fridge as a storing place for fruit and vegetables between the shop and the bin, buying coffees every day, buying magazines and newspapers just to throw them out a few hours later...). Simple Savings is a new way of life for me. I now only shop once a week (at the local markets and then the supermarket) and whatever I have forgotten or run out of, I try and do without until the next week. I bring lunch every day and my diet has improved amazingly - last week's menu was roasted capsicum and basil pizza, sweet potato risotto, salt and pepper prawns with Asian greens, Indian dahl with rice and hummus and tabouli wraps - less than $45 for a week's food. When I went to the ATM the other day, for the first time I knew exactly how much money I had in my account! I have just started working this year after being a uni student (and heavily financially subsidised by my parents). Now I know that I am not going to fritter away my first year's wage. I am saving up for a home deposit instead! Thank you to all the Simple Savings team for their emails and support." (Joanna Longley)

"My membership is up for renewal and I just wanted to let you know I have been thrilled with your site. I have implemented endless suggestions and feel SO in control of my money. My happiness and contentment have also escalated. Thank you and all the SS's for giving me the encouragement and motivation to set goals and see them slowly being achieved. I see myself being a SS forever. Best wishes and congratulations on a job well done!" (Jenny)

"We found the Savings Diary a real eye opener and are now going to continue the exercise at home by adding it to our Excel budget. The great thing for us was that we were budgeting for bills and have no debt but kept wondering where the extra went. By being a third party, SS has helped us be able to discuss and be accountable for all spending with no emotional hangups; being answerable to a computer makes it hard to argue. My husband used to scoff at spending money to save but now he's extolling your praises. We also love the Save-O-Meter; that has been a big winner with our daughter who loves to see something she has come up with on the meter - like a SS gold star!" (Melody)

GO Crazy girls in Hobart!

Who are the GO Crazy girls? They are a group of friendly super-motivated members who started their own club within the Forum more than a year ago to help each other get organised (the G.O. in GO Crazy means 'Get Organised') They travelled all the way to Tasmania for their first get-together in person recently and had a ball! It was very cold in Hobart but the nine of them had so much fun and got along so well, they're planning the next meeting already!

For a full report go to the thread

Pictured here are Carol, Rachel, Judith, Fairy (Vonnie) and Tracey having fun on Saturday night in Hobart!

With Aussiemaid, Vicki and KH at the market, proudly displaying their SS bags!

Have a great month!!
Fiona Lippey

PS. If you enjoy this newsletter make sure you forward it on to your friends. We may end up with a nude revolution ;-)

1. Sad Sally, Happy Hanna: Who's Going Nude?

Hanna walked purposefully into the office and set a large box down on her desk. She turned to her colleagues with a mischievous grin and announced, "Good morning everyone! I need your help to make a few changes around here. You see - I'm going nude and you are all going to join me!" Jaws dropped all around the room, just as Hanna had hoped. "That's got their attention!" she giggled to herself.

Sally was the first to recover. "Hanna - I know you want to save money and reduce your water consumption but walking around naked to avoid using the washing machine is NOT the answer," she glared reproachfully. "And as for us joining you! Are you trying to get us all fired?" Hanna almost collapsed into hysterics at the sight of their worried faces and decided it was time to put them out of their misery.

"Don't worry Sal, I'm keeping my clothes on - and so are you! I'm talking about nude food - that is, food with no packaging, or at the very least no throwaway packaging. I want you all to join me in transforming our office lunches. We spend a fortune on food packaging and containers in the workplace and throw most of it away - but not any more! Let's all have a go at seeing how much we can reduce our waste this month. No takeaway coffee cups - bring a flask or mug to work. No cling wrap or disposable rubbish whatsoever - we all have to recycle or invest in reusable packaging this month. I've brought along a few things to give you a few ideas - feel free to come and take one so you can get started!"

Hanna's box of goodies contained all kinds of things from empty plastic ice cream containers and Tupperware boxes to coffee cups and paper bags. Everyone took a turn and was soon swapping ideas as to what they could all be used for. "Thanks everyone! It's great to see you all so enthusiastic," smiled Hanna. "I just have one more question. Who's going to tell the boss we're all going nude?"

2. April is No Landfill Month

Many people would describe modern packaging as a massive leap forward for mankind - but I'm not so sure. While all our technological advancements have made cooking easier (I love my oven and blender), when it comes to the quality of the food I think we have gone backwards. The introduction of disposable packaging means that instead of eating fresh food from the yard, our food is now several days, weeks or even months old by the time it gets to us. My favourite example is vacuum packed meat. It might look lovely and fresh in its fancy plastic bag but thanks to that bag the meat can be three months old and full of amines - yet sold to us as 'fresh'!

Once upon a time all our food was rudie nude. That is, food with very little clothing. No disposable plastic, no pretty labels, no sneaky tricks, just fantastic 'fresh' food. The wonderful thing about nude food is that it is fresher, tastier, cheaper and more nutritious than its heavily packaged counterparts.

So this month let's see if we can avoid disposable plastic and fancy packages. The less of these we buy and use, the less of them will end up in landfill. Doing this isn't just great for the planet. It is better for your health and will save you money.

Nude food is wonderful because it is cheaper. It costs money to package food; they need processing plants, transportation, petrol and all these costs add up and are passed on to us, 'the consumer'. So this month set yourself a goal to stop paying premium prices for earth vandalising, expensive packages by making the effort to learn how to grow some of your own food. This month prepare yourself a patch of soil, buy some sturdy food plants and give growing your own food a go. After all, food you grow yourself is virtually free.

Nude food is fresher. The whole point of packaging is to extend the shelf life of a product. That's jargon for making sure the food rots slowly. Well to be frank I don't want to eat rotting food, even if it is only partly decomposed. I love my food fresh! Biscuits taste the best snatched from the baking tray after they have come out of the oven, not from a throwaway plastic tray taken from a throwaway plastic wrapper. So this month set yourself a goal to bake everything yourself. Don't buy anything you can easily bake at home.

Nude food is tastier. The most delicious meal I have ever eaten was completely nude. It was nine years ago in Thailand. We were travelling down a river in tropical heat without a fridge. So instead of bringing chicken fillets, our guides brought the whole 'live' chook. At tea time it was discreetly dispatched, plucked and barbecued on an open fire. No seasonings, no herbs, just fresh cooked meat. It was divine! Even nine years later I still salivate just thinking about it. That chicken made me realise how much we have lost. The older the food is the less natural flavour it has and the more things we need to do to it so it tastes nice. All the seasonings and flavours we add are just trying to cover the fact that the food we are eating is old. I really want to eat fresh food - but I can't bring myself to kill a chicken! So instead I'm going to go to the local wharf once a week this month and buy the morning's catch, right next to the trawler. If you live inland, get some freshly slaughtered livestock. Let's see if we can all eat one really fresh meal a week this month.

Nude food is healthier. Nude food is so delicious and fresh. It doesn't need preservatives or chicken salt to give it flavour. It tastes divine just the way it is. When it comes to fruit juice, it's the phytonutrients in plants that contain most of the flavour and a lot of the health benefits. Once a plant is juiced it oxidises very quickly and the phyto-nutritients are lost. So even though buying orange juice at the supermarket is convenient, getting out the juicer is much better for you. So this month avoid store bought juice, instead treat your taste buds and squeeze yourself something nude. Then taste the difference!

The only down side to nude food is it takes longer to prepare. When you are learning how to cook nude it takes a bit of thought and mental energy but the benefits are huge. My family is definitely going nude this month!

3. Sophie Gray: Waste Not, Want Not

Every working day in Mumbai, India, approximately 170,000 tiffin boxes are delivered by Tiffin Wallahs to office workers all over the city. The boxes are collected from individual homes, to be delivered to the owner at their place of work in time for lunch.

The tiffin box is a stack of round metal tins that clip together, and contains a selection of home-made foods; bread or rice in one, daal or meat and gravy in another, vegetables in another. 170,000 of them a day, fresh from the recipient's own kitchen!

I adore Indian food. I love that the company that delivers the tiffins in Mumbai employs 5000 illiterate workers to deliver the boxes. And I think it's brilliant the service is so efficient that in 140 years they've only had a hundred odd complaints. So impressive is this operation, the Tiffin Wallahs have featured in 'Forbes' magazine. They don't even use a computer. Even more marvellous are some of the other things they don't use:

No styrofoam, plastic cling wrap, plastic bottles, cellophane and foil wrappers, plastic cutlery or disposable plates. No paper napkins, paper boxes, plastic bottles, Tetra Pak or any other of the inorganic or non-renewable paraphernalia that is so much a part of Western lunch culture. Those of us in the habit of taking food from home will already be enjoying the money saving benefits. But have you considered the planet saving benefits of how you package the food you take from home?

Kids' lunch boxes:

Decant: If you buy chips and pre-packaged snacks, change to buying a big bag and decant into reusable containers. Not only is it cheaper, there will also be fewer plastic bags in circulation.

Yoghurts: Kids love little portions, but those dinky little yoghurt pots add up to a big mountain of plastic every year. Buy cute re-useable containers and fill with yoghurt instead.

Sandwiches: Plastic sandwich wrap may look more appealing, but paper wrap will decompose swiftly (along with its uneaten contents).

Drinks: Refillable water bottles are the best option. Tetra Paks will be a long time in landfill; even when shredded, some tests have shown that after more than a month the cartons haven't degraded even slightly, due to the polythene layers inside and out.*

Fruit: Fresh fruit comes in its own biodegradable wrappers (called skins). Fruit snack foods produced by commercial manufacturers are hygienically packed in non bio-degradable wrappers. Choose the apple, not the plastic bag of apple snacks.

Pack home prepared snacks such as popcorn or baking, raisins or crackers in renewable paper or reusable containers.

Why not challenge the school to a 'no landfill' month? Offer a class prize such as a water fight, party, or extra playground time to the class with the emptiest bin. Kids are brilliant at teaching their parents, and it might also stop them nagging for the latest snack trends.


Think tiffin: What have you got at home that you can have hot for lunch? If 'made at home' is not an option, consider how and where you buy your lunch. Yup, that sushi is a healthy choice, but the plastic box is an environmental nightmare - choose your sushi from the cabinet and have it placed in your own reusable box.

Eating irons: Keep a knife, fork and spoon in your office drawer and say no to plastic spoons and forks.

Hot food: Invest in a wide mouth Thermos and use it to make instant noodles in the office, take soup or leftovers from home even hot chocolate in winter. You'll feel spoiled, eat healthier and add nothing at all to the landfill.

Coffee: Support the coffee shop that uses sustainable paper coffee cups or skip takeout and have your morning coffee in good old fashioned crockery. Buy some cheap mugs for the office canteen and blacklist the Styrofoam; it makes the coffee and tea taste funny anyway.

Sometimes you have to spend to save, a little outlay now can save you later on. A selection of plastic containers with snugly fitting lids is essential. You can go for pricey but long-lasting Tupperware type products or cheaper Gladware, either way you'll use less plastic wrap. A Thermos, if properly looked after will last a lifetime of lunches and picnics, just don't drop it! When choosing a lunch box, choose a big one so you can fit your containers in it; the insulated kind help keep the food cool in hot weather.

Below are some recipes you can make for dinner, then eat for lunch!

Magic Chicken Pies

These pies are called Magic because the single piece of chicken goes so far it's amazing. Pies of all descriptions make great 'lunch box' food.

Preheat oven to 200°

1 single chicken breast (either roasted or equivalent quantity of 'leftovers' or poached in water with some peppercorns, parsley stalks and half an onion. Save the 'stock' for soup or gravy).

25g butter

1 leek, sliced

A handful of mushrooms (about 5), sliced

2 tbsp flour

250ml milk

300g cooked potato, cut into small cubes

1 tsp thyme

2 sheets of frozen pastry or equivalent quantity of flaky pastry or short crust

Salt and pepper

1 beaten egg

Sauté the leeks and mushrooms in the butter till soft, stir in the flour and gradually add the milk until a thick sauce is formed. Add the potato, thyme and the chicken breast shredded. Season with salt and pepper and allow to cool. Grease a medium muffin pan with cooking spray. Line muffin pans with pastry. I find an empty 800g tomato tin or 400g tuna tin cuts just the right size circles for the muffin pans. Press the pastry in gently (re rolling the pastry until all the pans are lined). Spoon in the chicken filling. Using the pastry trimmings cut strips of pastry - four for each pie, and lattice the pastry strips on the top of each pie. You will need to dab a little cold water onto the ends of the pastry strips and press them down firmly so they don't pop up as the pastry cooks.

Brush lightly with beaten egg and bake for 20 minutes or until golden.

Satay Pork Balls

Mince is one of the least expensive cuts of meat, and as it is quick and easy to work with it is great for those with little time or culinary experience. This simple flavour combination is savoury and very more-ish, the recipe can easily be increased and the balls are great in pita bread with salad for lunch.

400g lean pork mince

2 slices of bread, made into crumbs

1 clove garlic, crushed

2 spring onions, sliced

1 tsp grated ginger

2 tbsp soy sauce

3 tbsp peanut butter

¼ cup sweet chilli sauce

Fresh salad leaves

Pita bread

Mix all the ingredients together in a bowl or food processor, use wet hands to form into balls and bake in a non stick pan for 20 minutes, shake the pan during cooking so the balls turn over. When they are cooked they will be golden brown and crunchy outside and inside should not be pink.

Serve with a salad, bread and a little sweet chilli sauce or chutney for dipping.

*Research on Tetra packs from Appalachian State University.
The compost pile was very aerobically active, held at a constant 130-140 degrees F, and was about 20' wide, 8' tall, and 10' deep. Even shredded to different size strips at widths from 1/8" 1/4" these cartons, after more than a month haven't degraded even slightly.
In municipal compost waste management systems, where the cartons probably won't be shredded and where time constraints exist, the carton, due to its polyethylene layers both inside and out, may outlast the other materials.

4. Best of the Forum: Renew, Reuse and Recycle

We've said it many a time but saving money and saving the planet really do go hand in hand. Not only are our Savings Forum members a money-conscious bunch; they're constantly striving to be kinder to the environment too. Check out some of these Forum threads for eco-friendly inspiration!

Ways to recycle those plastic bags

Even though many of us are making a conscious effort to use environmentally friendly shopping bags these days, we still manage to end up with a few pesky plastic bags. The good news is, there are dozens of ways to put them to good use, rather than adding them to landfill. This thread will give you heaps of ideas, from stuffing beanbags to even making a blanket!

100 ways to recycle an old shirt

Paula's husband has FINALLY given up his old shirt collection from the 80's and Paula is keen to recycle them - but how? With the help of other members, she aims to come up with 100 different ways and as usual, there is never a shortage of creative ideas!

Recycle your old mattress and save on disposal

When Amanda wanted to dispose of her king-size mattress, she found a much better solution than simply dumping it. She came across a company which will either recycle unwanted mattresses or donate them to charity. Find out more in this thread!

Reuse worn bedding

Unwanted or worn-out bedding takes up a lot of space in a landfill - but what else can you do with it? Turn them into something new and very useable, with some ideas from this thread!

Make use of throw away packaging

Who says you need to use rubbish sacks to throw your rubbish away in? Lesley-Ann shares her clever method of disposing rubbish while recycling other items and saving on plastic sacks all at the same time!

5. Penny's Blog: A Fool and His Money are Soon Parted

Mar 19, 2008

Noel and I are getting very cynical in our old age - it must be the Simple Savings mentality that's causing it, but that's a good thing, I have to stress! Being cynical is certainly saving us a fortune anyway. We have really come to detest people and organisations which try and use their wily ways to get people to part with their money - even watching TV makes us sick lately. Take last night - a commercial came on the telly for Michael Hill Jeweller, advertising a diamond necklace, ring and earring set. 'You WANT it...' the voiceover breathed enticingly. 'You NEED it... you HAVE to HAVE it'... and all at the 'bargain' price of ONLY $1295 each! 'Ooh, what a bargain! Shall we buy two?' Noel and I sneered at the TV. I mean, here we are in a recession for goodness sake. The media is full of it; there are families everywhere struggling to put food on the table and companies like this are still throwing themselves and their products at people. Well forgive us Michael Hill if diamonds aren't exactly top of most people's shopping lists at the moment. Hot on the heels of that nauseating ad came a promo clip for 'What Not To Wear' where Trinny and Susannah were transforming geeky teenage girls into stunning, confident young women. I have nothing at all whatsoever against boosting a young girl's self-esteem - good on them - but what I didn't like was the other message they were portraying - that you've got to spend a lot of money to look good. Sure, it was lovely to see these young girls being pampered but the whole 'transformation' process would have cost a flipping fortune. I couldn't help but wonder what sort of shopping habits Trinny and Susannah were teaching at such an impressionable age.

I'm also waging a personal boycott against what I call 'Stuff Shops'. These are shops which sell nothing but stuff. Beautiful and usually completely useless stuff which nobody needs but looks so lovely it makes people want it. I used to be the Queen of Stuff Shops and I know how dangerous they are, which is why I loathe them so much. I would have wasted literally thousands of dollars in Stuff Shops in my Sad Sally days. I never need to buy another knick-knack for my house and wouldn't want to; it's too cluttered thanks to all the crap I bought as it is. Our tiny town has only one main street and it used to have no less than three Stuff Shops in it; now it has two and I do my utmost to keep the heck out of them. In fact I take an absolute pride in NOT going into one of them; they probably think I'm really horrible for always walking past and waving hello but never actually going in! What on earth's the point though? It's not as if I need anything.

Another thing I have decided I definitely don't need to buy again too is a water bottle. My recent experience of people watching in the city while everyone rushed past with takeaway coffees and bottled water put me off for starters, but after reading an article at the weekend entitled 'Waging war on the mighty water bottle' I'm determined never to buy another of the blasted things again. I also recently cancelled our water cooler hire, which probably sounds very extravagant to even have one in the first place but our drinking water was horrible and full of all sorts of nasties. The water from the cooler was lovely and we drank much more of it which was better for our health but it was costing us over $70 a month in bottled water and machine hire from the company! Can't think for the life of me why we put up with it so long now but they did us a favour in the end, when they neglected to deliver us any water for two months, during the school holidays. The hottest time of the year and when we all needed it most! I had great pleasure in writing to inform them that thanks to their crap service, we realised we didn't need their posh water any more - especially not at a cost of $840 a year. They begged us to reconsider but no way! Instead, Noel went to Bunnings and bought a permanent water filter for $200. Just wish we had done that in the first place!

I'm still finding interesting reading wherever I go too. I really enjoyed an article in That's Life! this week about a Kiwi family who have undertaken a 'No Trash' challenge. They have vowed not to contribute more than ONE BAG of rubbish to landfill for an entire year and have been doing an absolutely brilliant job of recycling. I thought I was a pretty good recycler but these guys are really going the extra mile. I learned all sorts of things can be recycled that I never even knew of! The article really got me motivated and I'm determined to think even harder now before putting anything in the rubbish bin. One new thing I do admit to struggling with at the moment is the launch of a new book. It's most definitely a 'want' of mine but I'm not sure it's a need! It's called 'Change the World for Fifteen Bucks' by an organisation called We Are What We Do. At this stage the book is only available in NZ and costs, funnily enough, $15. It contains heaps of environmentally friendly tips, many of which save money and all result in making the planet a nicer place to live. The thing is, I learn so much about saving money AND saving the planet from Simple Savings, half the time I buy these other things and find there's nothing new in them!

I'm describing my March so far as not exactly No Spend, but certainly super-frugal. I'm really happy with the decisions I've made and the things I've bought and don't feel any of them have been unnecessary. I'm also getting a lot tougher with the kids about buying food and drink when out. We always have a treat after the boys' swimming lessons because they work hard and swim around 25 lengths so I reckon they deserve it but that's all from now on. They're learning that their Mum cannot be swayed! Mind you, there's so little they can eat in the junk food department now between the two of them with all their allergies, there's hardly any point in even looking. Ice creams have been swapped for healthy fruit ice blocks and most other sweet things are off the allowed list now. So it was a bit unfortunate when I won a box of 24 Mars Rocks bars on the radio yesterday! I guess Noel's going to be eating a lot of chocolate!

March 2008 (for Vault members)

3rd - Try, try and try again

10th - The Power of One - one website!

17th - You can't always get what you want

24th - OCD (Obsessive Consumer Disorder)

6. Homeopathy Corner: Reducing Landfill

Many people know Homeopathic remedies are safe and very cheap to make, but few realise they are also much better for our environment than mainstream medicine. Mainstream medicines do a lot of environmental damage. There are the obvious problems such as plastic bottles and glossy boxes adding to landfill. Then there is the far more insidious problem of what happens to the antibiotics, active ingredients and various chemicals they are made from once they leave the body and return to the environment. The world is now experiencing contaminated water supplies, antibiotic-resistant super bugs, and side pollution from the manufacture of these medicines and the problem is a growing one.

Homeopathic medicines have none of these problems. They are safe (made from sugar, water and alcohol), cheap (simple manufacturing methods) and environmentally friendly. Most medicine is even dispensed in re-usable glass dropper bottles. If you already have homeopathic medicine at home this is how you can re-use your existing glass dropper bottles.

How to Reuse your Bottles

Before you try to reuse empty homeopathic bottles, be aware that there is a right and a wrong way to clean them. Just rinsing or washing will not necessarily get rid of the old remedy - energetic traces will remain in the bottle. The best way to eradicate this is to boil them. Let's look at how easy this is to do:

Step 1. Slap on some rubber gloves to avoid getting an accidental dose of the remedy through your skin as you clean your bottles.

Step 2. Separate each bottle and cap and rinse. If your bottle has a glass dropper, it can be separated from its rubber top and cap as well.

Step 3. Place all your separate pieces into a saucepan of water, making sure the bottles are upright and filled with water. Bring to the boil for twenty minutes to destroy any energetic traces of the previous remedy that may still be clinging to the pieces. (Note: the rubber tops will tolerate boiling just as well as the glass pieces so make sure you throw them in too.)

Step 4. Drain the pieces and allow them to dry. This process will be quicker if you gently warm them in an oven but do be careful not to overheat them!

Step 5. Reassemble your bottles and dropper tops and, Voila! They are ready for reuse.

Now you can use these bottles to mix your own remedies or as mentioned earlier, extend the life of your homeopathic home use kit.

7. From Last Month: Jam and Chutney Preserving

Last month Melissa Daniels asked:

"I would love some advice and tips on preserving and jam/chutney making. This has always appealed to me and I currently have a surplus of wonderful fruit and garden vegies but I have had a couple of failures in the past, (mould getting in or things not 'setting') and I'm too scared to give it a proper go now! Do I have to go out and buy all the proper 'gear' or are there cheaper ways I can get set up? The preserving jars and accessories all seem quite pricey in the shops and I'm wondering how cost effective a method of storing my excess produce this really is? Thanks!"

Thank you everyone for your tips and instructions for Melissa. It sounds very cost effective and easy to turn your fresh produce into yummy jams and chutneys. Well done!

Use jars from other products for fruit preserves

For storing fruit preserves I re-use jars from products we use at home such as tomato sauce, mayonnaise and so on. Then to ensure they are sterilised I use my old baby bottle steriliser. You can buy sterilisers second hand on eBay for about $20, sometimes less. If you really want nice jars for gifts, shop around next time you are buying anchovies or similar products that often come in nice jars with metal fastenings.

Contributed by: Maggie Woijciechowska

Natural pectin for setting jams

When making apricot jam (or other stone fruits), add the seeds to the saucepan as you simmer according to recipe. The seeds contain 'pectin' which is a setting agent - much cheaper than buying it from the shop.

Contributed by: Renee Halcrow

Kill mould and bacteria with secure lids

One of the main causes of mould growing in your home preserves is that the jars have not been sterilised properly. Simply pre-heat the oven to around 160 degrees Celsius and thoroughly wash the jars, lids, rubber seals, or whatever you are using in hot soapy water. Make sure they are spotless and rinse in clean hot water. Then place the jars in the oven for 20 - 30 minutes to kill all bacteria. When filling the jars ensure you fill them all the way to the top and fit the lids securely. Store the jars out of sunlight in a cupboard or pantry until opened then store in the fridge.

Contributed by: Cathy O'Connor

Yummy microwave jam

Here is an easy recipe my mum uses to make jam in the microwave.

1 1/2 cups of white sugar

500g of fruit, chopped

1 lemon (juiced) then keep the rind

Place fruit, lemon juice and the rind halves in a large microwave safe bowl. Cook, uncovered, on high power, stirring occasionally for six minutes. Add the sugar and cook on high power for approximately twenty minutes or until it reaches setting point. To check if it is set just cool a little jam on a chilled saucer. If the jam wrinkles when you touch it and stays separate it is ready to bottle. Don't forget to remove the lemon rind and spoon the hot jam into clean jars.

Contributed by: Danielle Geyash

Use free sources for preserving recipes and tips

When I had an extra glut of vegetables from my garden I searched online and in my local library to find books and information on preserving. I borrowed a few books at a time and found the recipes I liked that didn't involve any special equipment. Currently we are eating a fabulous zucchini, tomato and apple chutney that the family love. All it cost was a few extra ingredients and some jars I bought in the supermarket which can be re-used. Just pop a layer of gelatine on top of the contents before you put the lid on. This will ensure no air gets in during storage. One of my favourite online sites is (www.bestrecipes.com.au). Try the oven dried cherry tomatoes in oil and pickled egg recipe!

Contributed by: Marbecc Webb

Turn unset jam into fruit topping

If you are experimenting with making jam for the first time and it doesn't work, don't fret! We can get so hooked up on naming things sometimes it's good to think outside the square. Call it fruit topping for ice cream instead and ask your friends to save their empty jars for you. You can thank them by sharing some of your home-made produce.

Contributed by: Sharon Songhurst

Three Fruit Marmalade

This a tried and true recipe for Three Fruit Marmalade. Marmalade is an easy jam to make because it is high in pectin which ensures that it is easier to set.

3 kg white sugar

3 oranges

2 lemons

3 grapefruit

2 1/2 litres (10 cups) cold water

Wash fruit. Cut unpeeled fruit in half lengthways, cut halves in thin slices (I do this with the food processor). Discard seeds. Place in bowl (not a metal one), add water and stand covered overnight.

Next day, put fruit and liquid into a large saucepan (at least 15 litre capacity), bring to boil, reduce heat and simmer covered for 30 minutes or until fruit rind is tender.

Add sugar, stir over low heat until dissolved. Bring to boil and boil uncovered for about 40 minutes or until jam jells. To test this, put a saucer in the freezer for about five minutes then place jam on saucer back into freezer for a few minutes. If it thickens to jam consistency it is cooked enough. Be careful not to burn at this final stage.

Pour into hot sterilised jars (put clean jars without lids into a warm oven for about 30 minutes to sterilise them).

This makes approximately 12 jars but if you do not have a large saucepan you can halve the ingredients.

Contributed by: Judith Long

Bottle fruit as well as preserves

As well as making sauces, chutneys and fruit preserves I can save $3.00 a week ($156 a year) by just bottling prepared fruit. Simply slice and prepare fruit, place in sterile jars well packed down, fill with a 2:1 water/sugar syrup, add sterile screw top lid and place in saucepan covered in water. Bring to boil and simmer for 20 mins to cook the fruit.

This works beautifully with tomatoes as well, saving $2.10 a week ($109.20 a year).

Contributed by: Melody Barrow

8. This Month's Help Request: Wasteful Housemate Drives Me Crazy!

This month Kate L asks:

"I am trying really hard to save money and pay off my enormous debt. However, my housemate is making it very hard for me! He never turns off ceiling fans, ALWAYS uses the air con turned on HIGH in his bedroom overnight even when it's not needed! He never hangs his clothes out to dry- only uses the dryer, and forgets to turn the TV off when he leaves the house. All of this electricity is surely adding up and unnecessary, yet because we pay half of the bills each in the household I have to pay for half of his unthoughtful habits. I have tried explaining to him that by doing all of these things it will cost more money in the long run yet he refuses to believe me. I can't work out how we would 'split' the electricity bill evenly to reflect each other's habits. When we do groceries he always puts in extra items which I am sure we don't need, so our pantry is stocking up with extra unneeded condiments. Again when I try explaining we don't need to buy the same things every week he doesn't listen. Do you have any tips to help me? My savings account is drowning in someone else's habits!"

If you have any tips which can help poor Kate we would love to hear them! Please send your suggestions here.

9. Savings Story: Simple Steps to Get Organised Reaps Huge Rewards

I have saved thousands of dollars since joining Simple Savings, just by getting organised. This has made my husband and I plan and budget much better, which has enabled us to pay off two credit cards, a long outstanding tax debt and for me to stay off work for one year with our first child. Here is how we organised our financial information so we can easily keep track of bills, receipts and our budget. We have 10 plastic folders labelled with a different area of our finances, for example, utility bills, credit cards, savings accounts and so on. Each folder is divided into more specific sub-sections using dividers. We have a document on the computer that contains all our pay dates. I have this filled in right through until May this year. Every time a bill comes in, I look when it is due to be paid and enter the name and amount beneath the date of the pay packet the bill must be paid out of. The paper copy of the bill is filed in the appropriate folder. Every pay day, I open up the document to see what needs to be paid, and pay it as soon as possible. This means no bill ever gets paid late (in fact most get paid early) so I no longer pay the hundreds I used to pay each year in overdue account fees. Also, being able to see what will be going in and out is a huge help when budgeting. We keep all bills for one year, then shred the ones that are printed double-sided and re-use the empty side of those printed one-sided.

We also have two shoe boxes labelled 'grocery receipts' and 'other receipts'. The receipts for everything we buy are saved in the relevant box and at the end of the month I place that month's receipts in an envelope and put it back in the box. That way if something breaks or goes off before its use-by date I always have the receipt, so I can always get my money back or a replacement. This year we have also organised birthdays. I have written up a list of all the family birthdays we need to buy presents for and keep a copy of it in my wallet. If I spot any bargains that would make good presents when I'm out shopping, I can get out the list and see who it would be suitable for. No more last minute shopping and going over the $20 to $30 per present budget we have set. As well as all this, we plan our menu a fortnight in advance, regularly use the $21 Challenge and I bake a lot, all adding more to our household savings. It just goes to show that being organised goes a long way.

Contributed by: Rebecca Aziz