Going vegetarian has saved all round

Going vegetarian has been a great move for me in every way. For me, it was an ethical decision as I no longer wanted to eat animals but as an added bonus I have found it saves a lot of money. Pasta sauces don't need meat; beans and lentils are just as tasty and filling and cost a fraction of the price of meat. These days I make all kinds of delicious vegetarian dishes such as pasta bakes quickly and easily, for less than $1!

Many meals from one rolled roast

I have found a way to get maximum meals and value from one single rolled roast. I bought a rolled pork roast which was way too big for just the two of us. Not wanting to be living on leftovers all week, I decided to cut it in half before cooking it. As I was about to place the uncooked half in the freezer, I decided to cut it into thinner slices and use the meat as pork chops instead. This has worked well! I also plan to cut the rolled roast into chunks in future, to use for stir fry, sweet and sour pork and so on. Normally you could never get pork chops or stir fry for $7.99 a kilo! There's no reason why you couldn't use this method with other rolled roasts too.

Declare war on the mortgage

We decided to get rid of the $96,000 mortgage on our home within three years. The massive load of interest we would pay to the bank was over the top and we felt that the bank owned us. The entire family bought into the project one hundred percent.

1) We replaced the nice modern cars with older, less costly ones. The net difference and any savings we had and $700 from a garage sale were paid off the mortgage.

2) We agreed to budget as if we were in a life and death war and the war had to be won in three years. I developed an Excel budget spreadsheet and we tweaked the numbers until we had a 'do-able' weekly saving of $220 extra to pay off the mortgage. Clothes purchases would be done exclusively at 'Harrods', our Salvation Army shop, until the war was over.

We decided to run any item not budgeted for over three 'hurdles'.

The first hurdle was 'could it shorten the mortgage war?'

The second hurdle was 'is it a health issue?' and if so what was the least-cost workable solution?

The third hurdle was 'could it wait until the end of the three years?'

3) As time progressed we became pretty smart at reassigning money to reward ourselves for enduring the war. This meant we could have a low cost take away sometimes, or spend on an out of budget item we had set our hearts on.

It took nearly four years to knock off the mortgage. Yes, we won the war a little later than hoped, but we won. If it had taken eight or nine years to win, it would still have been worth it.

The legacy of our war against the mortgage is that we have developed great money saving skills for life. And life is great.

Natural sanitiser

I have been receiving your fabulous emails for ages and I thought I'd share a favourite saving hint of my own.
 
My naturopath gave me a tip which saves money and is better for our health too. She said that most hand sanitisers contain chemicals and antibacterial properties that not only kill bad bacteria but also kill off essential good bacteria. The good bacteria on our hands helps to fight off infections and acts as a barrier, so hand sanitisers can compromise our ability to protect ourselves.
 
My naturopath gave me a natural alternative. She told me to buy some small atomisers and a bottle of water-soluble tea tree oil from the chemist. I would then pour about 20 drops of oil into each atomiser, and fill with water – that's all it takes to make your very own antiseptic.
 
These natural sanitisers are cheap, effective and have a lovely scent. An atomiser easily fits into a handbag, and is very handy if the kids get scratches and scrapes after playing – a quick spray on the affected area is all it takes.
 
Tea tree oil really is the best antiseptic around and there are so many uses for it. Happy natural sanitising!