Different name, different attitude to saving!

A simple change of tactic can make the world of difference when it comes to getting the family on board with saving! Our family recently did a $21 Challenge. To begin with, I was talking with my daughter, when the children started carrying on about the challenge, (the eldest child in that household in 21!). The other adult in the house said nothing, but his expression said everything. What was I going to do to get them on board? I had a lightbulb moment and told them that I was playing SURVIVOR, with help from my fridge, my freezer and my garden. Did I get any more criticism? No way. What I got was discussions on which family member would be able to survive with what is available at home, and for how long. This discussion went on for a week or more. I heard no more complaints and we spent just $2.99 over a fortnight! Next goal is a $41.00 challenge for a whole month. I just need to set a date, and get my support team going again!

'Gentle reminder' can lead to a lifetime of saving

Often all it takes is the smallest reminder to make a huge difference. Having just turned 65 and now "eligible" to retire, I am not ready to do so either physically, emotionally or socially. I'm also frequently with younger people, who don't necessarily have the same basic foundation of budgeting that I was brought up with. With that in mind, I have taken to carrying around a subtle reminder of the cost of living which not only works for me, but will hopefully rub off on those around me.

My card wallet has a 'sticker' reminder, which says "$20? Is it worth one hour of work?" It's small and discreet, but effective! It also serves as a talking point when I am out and about with some of the younger ones and buying coffee or lunch. It's simple to make the label on the computer or by hand, then clear tape to the card wallet. Here's to some improved lifestyle options as I age further!

20 kids' party gifts for $30

When my daughter started school last year, she had birthday after birthday to attend, which meant present after present. Last year, each present cost $25 to $35 and I couldn't afford to pay that much this year. So, I planned ahead!

Before every school year starts, Big W has a huge stationery sale, where I purchased the following:

• 100 writing books at just $0.01c each, total cost of $1.00
• 20 packs of 24 colouring pencils at $0.49c each, total cost of $9.80
• 10 twin packs of safety scissors at $0.49c each, total cost of $4.90
• Five eraser 4-packs at $0.99c each, total cost of $4.95
  - Five pencil sharpener 4-packs at $0.29c each, total cost of $1.45
  - Two 10-page sticker booklets with 150 stickers per page at $2.00 each, total cost of $4.00
  - Four sheets of contact paper in girl and boy themes at $0.99c each, total cost of $4.00.

Total for all this is just $30.10, and I'm able to make 20 presents! That's just over $1.50 per gift! At every birthday party, my daughter has presented the birthday girl or boy with the following gift:

• Three books covered in contact paper
• One pack of colouring pencils
• One pair of safety scissors
• One eraser
• One sharpener
• One page of stickers.

Both parents and children have loved this present because, unlike a toy they soon lose interest in, they can continue to use their imagination to create drawings.

Families work together

With a combined effort, we have been able to purchase the majority of required household items for several families in our community, without incurring any extra debt. By using a common practice from our country of Papua New Guinea, we have been able to join together as families to help each other with basic needs.

Along with other women from Papua New Guinea, we have moved to Paraburdoo, a mining town in Western Australia, due to our husbands'
jobs. In the first month, all families contribute to buy one family's basic need; like a washing machine, freezer, dryer, lawn mower and so on. The next month we contribute and pay for another family and cycle goes on until all families own one item each. Whilst waiting for our turn to come around, the first family that has the item allows us to share it until we have our own and so forth.

The next big project will be assisting each family to obtain a second hand vehicle for starters, then when we have settled in and are mobile enough, we can trade-in the second hand vehicles for brand new ones to suit the timing of each family.

By putting in the effort as a group, we are able to achieve our dreams within a reasonable time and without going into debt. Our culture embodies this practise of sharing and helping each other, and it has worked just as well in Australia as it did for us in Papua New Guinea. A positive outcome which may invoke similar thoughts among close friends and neighbours in other communities.