Bundle up your bags and don't get caught short

I have come up with a super easy way to solve my shopping bag dilemma! Like many people, I was sick of trying to organise a whole bunch of bags of different shapes and sizes in the back of the car, ready for shopping trips. I really like my car to be free from clutter, so wanted a thrifty and simple solution, I decided to use an old cosmetic purse and filled it with 99c reusable nylon bags from the supermarket. These roll up tiny and fasten with a elastic tab, making a neat and tidy little roll. I can fit eight of the tiny rolls into my cosmetic purse and this in turn fits nicely into my handbag or centre console of the car. These days I never get caught without a bag and these ones can get used over and over again. Being made of material, they can also be thrown into the washing machine if they have had meat or something drippy in them and are soon as good as new again!

Put your nail biting habit to sleep for good

For most unconscious habits such as nail biting, hypnosis is often the best, cheapest and environmentally friendly cure for nail biting. No drugs, no chemicals and usable by any member of the family providing they are receptive to hypnosis. Some people cannot be hypnotised but they are very few and far between. A single personal session might be all that is needed, but there are some very good programs available in various formats for home use. Worth a go!

'Nothing' feeds us for weeks

My husband is self-employed and over Christmas and New Year we were waiting on a payment that had been due in November. I had not done any shopping for over a month, and we felt like there was nothing in our pantry, especially my five kids who repeatedly moaned ' there's nothing in here!’

Of course, that wasn't the case. It's amazing what you have stashed away in containers or hiding at the back of each shelf. On a closer inspection, we found dried beans and lentils, flour, sugar, cous cous, rice and lots of other bits and pieces.

We managed to feed our family of seven on the 'nothing' in our pantry for another two weeks. We are lucky enough to keep chickens, and have a very basic vegetable garden, so all I really needed to purchase was milk. We made pancakes, pikelets and scones, and even a chocolate cake with the cocoa we found - these snacks kept the kids, and hubby, very happy!

We survived until our very overdue payment finally arrived. We have now decided that we will eat the cupboard clean every month, as this encourages us to save money by using what we already have and by not allowing things to go out of date.

A series of (un)fortunate events

I had been living beyond my means for some time and knew I needed to trim my spending. For the last couple of years, I had been pretty careful with purchases, but was not succeeding in 'cutting my coat according to my cloth'. About eight or nine months ago, I decided I would only spend cold hard cash. I withdrew what I could afford to once a week from the bank and forced myself to make do with that until the following week. What a shock! The first couple of weeks, I was penniless within 24 hours and had long lists of unpurchased 'necessities'. My grocery shopping barely covered the bottom of the trolley. (What a joy when it came to unpacking it!) I discovered I could do without many things and started making all food (including bread) from scratch. Most things tasted better and I enjoyed cooking. I started buying vegetable seedlings and growing them, but have had to trim that back to seeds to supply us with enough. The junk food and alcohol are long gone - the money never makes it that far. I lost weight! But I still wasn't making ends meet, so I had to cut back on contents insurance. The result has been that I am more careful with what I do have and am becoming less concerned about material possessions as I am not acquiring expensive new ones anyway. I had more free time on the weekends as I didn't 'have' to scour the newspaper for the best buys and then rush around putting them on the credit card. However I still needed to trim my expenses, so I had to forgo my medical insurance. I find I am now so much more careful with my lifestyle, diet and exercise and I suspect it is because my subconscious knows that there is no comfortable private hospital or top specialist waiting for me if anything goes wrong.

Petrol is still a thorn in my side and I am very conscious of the percentage of my hard-earned money that is going on harming the environment just to get me to work. Tomorrow I have an interview for a less 'glamorous', but otherwise similar job within walking distance of my home. This would also increase my exercise. So far, the follow-on effects of spending only cash I have in my hand have not ended. But each time I have had to make a tough decision about which 'necessity' to forgo to live within my means, I have discovered that going without is not as bad as I feared and that, oddly enough, I am now healthier, happier, less rushed, more in control of my life and proud of my resourcefulness than I ever was when I had everything I thought I needed.