Full strength DIY 'Dettol' spray for just 2c a bottle!

A little supermarket research led me to making a huge saving on keeping germs at bay! When my two young children had a gastro bug, I needed anti-bacterial spray to clean up and stop the spread of germs, which vinegar didn't touch. The cheapest anti-bacterial spray I could find was Dettol anti-bacterial spray which cost $4.20 for 500ml. On reading the active ingredients it said it contained Benzalkonium Chloride 0.095%. Then, I saw that a bottle of Coles brand disinfectant was $1.40 for two litres. I read the ingredients and saw Benzalkonium Chloride 1%. The instructions said to dilute it in a ratio of 1:20, or 30ml to 600ml water. So I bought that one, made up the solution and put it in an old spray bottle I already had. It worked just as well and cost just over 2c per spray bottle of prepared solution, compared to $4.20 for the Dettol spray! While Coles brand disinfectant says it can only be used on “floors, walls, bathroom and toilet areas”, not in kitchen areas like the Dettol spray, for me these were the only areas that I needed to disinfect and worked a treat!

Make your own nut butters for a fraction of shop prices

I save a fortune on buying nut butters by making my own. Almond butter, cashew butter and good quality peanut butter can be fairly expensive to buy so instead I buy roasted almonds for about $4 at a bulk supplier (Bin Inn if you're in NZ) and blend it in my Nutribullet with the addition of a smidgeon of olive oil. This gives me twice the quantity of a shop-bought jar which would cost at least $12! You can also add a little honey or chia seeds to add variety. I use the same method to make cashew butter. I simply buy 200g of cashews for $4.80 from an Indian grocer, roast them in the oven and blend them with the addition of a little olive oil to start the process. At around $15 a jar to buy at health food stores, this is a terrific saving!

New year, new challenge

Christmas 2009 was the worst I ever had, having just separated from my husband. At almost 50 I found myself homeless with no money. On the 16th of December I found a share accommodation but had to borrow money from friends to pay for my bond and two weeks rent so that I could have a roof over my head. The only job I was able to do to keep me going was as a housekeeper, yet I could hardly pay for the petrol to get to work.

For four weeks, I avoided going to the shops. I am 90% vegetarian so decided to grow all the vegetables I like to eat at my rented home. I collected some seeds, seedlings and cuttings from friends and customers and decided to spend my last $10 for chicken wire to protect my homegrown herbs and vegetables from possums and bush turkeys. I am spending time tending my garden every day and I now have lettuces, beans, cucumbers, cherry tomatoes, herbs and so on for salads and stir fries every day. I even have enough to give some to my friends and customers to thank them for helping me to stand on my own feet and living a healthy life. This week I only spent $16 for organic eggs, milk, a tin of pink salmon and a loaf of bread. These with my homegrown herbs and vegetables will give me a healthy diet for the whole week. I am saving heaps to pay my debts as fast as I can.

At soon-to-be-50 and with no savings, I bought The $21 Challenge book to challenge myself. I am so excited because I spent years of feeding a family of four and now I am alone I have absolute control of what I spend and what I put in my mouth. I feel liberated, I feel young and full of energy. Having less money in 2010 is more enjoyable than my stressful life in 2009!

$1.00 a thousand times over

We had the chance to travel overseas several years ago but had to save $1000 to make it happen. On one income with two small children it seemed impossible. Then I had the brainwave - I didn't have to save $1000, I had to save $1.00 a thousand times! This was so much easier - a generic brand product at the grocery store, a chocolate bar at the petrol station and so on, soon added up and the savings contributed to a great family holiday.