​Julia writes
"I've just joined Cheapskates (in November), so am relatively new and loving every minute. I'm a little overwhelmed at all the information and struggling to really start. My DH and I have set goals to clear our CC debt this year and to increase our mortgage payment by $120 a week (an extra $6,240 paid off this year!) and on paper we should be able to do it, but our money just seems to disappear - hence joining (we need the inspiration and the motivation). Do you have any suggestions to new members where to start? For example, I have the forum always open, joined the Saving Revolution and bookmarked Tip Store pages so I can refer back to them. Does anyone have any other suggestions we can use to reach our goals this year? What do other members do to get the best out of Cheapskates?"

Do you have the answer?

If you have a suggestion or advice for Julia, let us know. We'll enter your answer into our Tip of the Week competition, with a one-year membership to the Cheapskates Club as the prize too.

Kate writes
"My husband and I have two small kids – 5-1/2 and 2 years old.  I work 3.5 days a week and my husband works full-time.  We have an investment property (we're paying interest only on the mortgage as our accountant advises) and we live in a rental property.  My question is, do any of your members have any recommendations about how to save and create harmony when I VERY much want to save money to buy a family home for us to live in and my husband, who is a spender, isn't prepared to have a conversation about budgeting or saving?  I know that $$ is one of the main things that people argue about and otherwise our relationship is great, but I want to have security for our kids and build towards our retirement."

Do you have the answer?
If you have a suggestion or idea for Kate let us know, by leaving it in the comments below. We'll enter your answer into our Tip of the Week competition, with a one-year membership to the Cheapskates Club as the prize. And keep an eye open, you may even see your answer in next week's newsletter.

Dianne asks
"My husband and I have been married for five months, and are currently living with his parents. This is their wedding gift to us, so we can save as much as possible as a deposit on a home of our own. They offered us rent and utility free living for two years, which we are grateful for. The problem is grocery money (of all things!). Because of our work schedules, my MIL also does the grocery shopping and cooking (she's a great cook, I'm learning heaps) and we split the bill 50-50. Here's the rub: she does all the grocery shopping Coles and refuses to go anywhere else. She doesn't look for markdowns or specials, and flatly refuses to even consider generic brands. Last month our share of the grocery bill was $1,365 - even living rent free, we can't afford that! How can I , at 25 years old and a newlywed,  tactfully introduce the idea of smart and frugal, budget shopping without any offence to my mother-in-law, who has been a housewife for 30+ years and has never needed to budget?

Do you have the answer?
 
If you can help Dianne let us know, by leaving it in the comments below. We'll enter your answer into our Tip of the Week competition, with a one-year membership to the Cheapskates Club as the prize. And keep an eye open, you may even see your answer in next week's newsletter.

Ingredients:
2 flour tortillas or Mountain Bread*
2 corn tortillas or Mountain Bread*
2 tomato & basil tortillas or Mountain Bread*
2 spinach tortillas or Mountain Bread*
Nonstick cooking spray
garlic salt
onion powder
chili powder
 
Method:
Preheat oven to 200 degrees Celsius. Put tortillas on a clean surface and spray with cooking spray, then sprinkle with seasonings to your taste. Flip over, spray and season the other side. Pile the tortillas up on a cutting board and cut into quarters using a sharp knife, forming 4 triangles. Put the cut tortillas on baking sheets, being sure not to overlap any. Bake in preheated oven until crisp, about 5 to 7 minutes. Remove from oven and slide off onto a cooling rack. They will get crisper as they cool.

*Mountain Bread can be bought at your supermarket or online. You can order online from www.mountainbread.com.au There is a minimum order of 8 packets of Mountain Bread. If 8 packets sounds a lot Mountain Bread can be used for wraps, as lasagne sheets and in place of tortillas as well as making really nice chips. Bear in mind that it has a shelf life of 60 days, and can be frozen for up to 12 months. You can also share an order with a friend, delivery is free.

From the October 2011 Journal

We have become very used to using fabric grocery bags in the last few years but we are still using millions of veggie bags each year (veggie bags are the plastic bags on the roll in the fruit and veg department).

Even if we re-use them over and over they still end up in landfill and they take a very long time to breakdown. If they end up in our waterways the potential damage is even worse. A solution is to use fabric veggie bags and keep a supply on hand, just as we do with the grocery bags.

When I first started using them I'd get some odd looks at the check-out. After an explanation of how I am trying to reduce my impact on the environment and avoid using plastic bags, and that I was prepared to pay the two or three cents more to cover the weight of the bag, it was OK.  In fact these days my regular market stalls and orchards know me and don't even comment any more. Sometimes other customers do though, and I just go through the explanation again.

I’ve made mine out of tulle that I had in the cupboard, left over from our fairy party days and just waiting for another use and an old net curtain. You can use any light weight, sheer fabric. Remember, it has to be light  weight, as it will add to the cost of your produce if it is too heavy. You can use old sheer curtaining (pick up a curtain or two at the op shop, mine cost $1.50 and made dozens of bags, or a garage sale if you don’t have any) or lace if you have it.

To make a veggie bag you will need:
Sheer, light weight fabric measuring 70cm x 50cm – use light tulle, lightweight curtains, nylon etc
1.5 metres of ribbon or strong twine

1.  Cut the tulle into a rectangle measuring 70cm x 50cm

2.  Fold in half widthways – your rectangle should measure 35cm x 50cm

3.  Measure down 2.5cm from top edge on both sides and mark with a pin

4.  Stitch down first side, starting at pin, and along the bottom to the fold. Turn bag inside out.

5.  Starting at the pin, stitch around the bag again, this time along the seam. This will strengthen the seams and make the bag a little stronger.

6.  Make the casing for the ribbon by turning the top edge down 2.5cm and stitching in place.
This makes a casing on the top of the bag.

7.  Thread the ribbon through the casing, leaving a length at each end. Knot the ends together. To close the bag, pull up the ribbon and tie a slip knot.

This makes a bag a little larger than a large plastic veggie bag, perfect for family sized quantities of fruit and vegetables.

I keep my stash of veggie bags in one of the green grocery bags and they live in the boot of the car ready for shopping.  Oh, and you can wash your veggie bags too when they get a little grotty (as they will with use).  I toss them in with the towels or the sheets and line dry and they are as good as new.

It may seem silly to you to be using bags I've made myself, that will add to the final cost of the produce I buy (it's only a couple of cents, the bags are very light) when I'm trying to save money and live to our Spending Plan. I think of it as my contribution to saving the environment.

Plastic bags take a very long time to breakdown, even the ones made of organic material. And they do an almost incomprehensible amount of damage if they get into waterways. Animals get caught up in them, or eat them. If they make it to rivers, streams or the ocean then sea life suffers.

If I can not use just 5 bags a week, that's 260 less plastic bags to destroy the environment. Now imagine if every Cheapskater stopped using just 5 veggie bags a week - how many millions of bags would that keep out of landfill each year?

What an impact one simple, painless little action could have on our world!

Shared from Debt Free, Cashed Up and Laughing

I stopped jotting down back in 2007. I'm not sure why; life became busy when Debt Free, Cashed Up and Laughing was published, the kids needed more attention (teenagers are such a lot of work - fun, but a lot of work) and I'm sure there are a dozen other reasons excuses I could find.

I still shift money from spending plan categories to our Emergency Fund, only these days I do it at the end of each month.

My lovely friend Annabel over at The Bluebirds are Nesting started the Vicky Challenge last year. It's pretty much doing what I used to do - giving every task a dollar value and calculating the savings when it is MOOed instead of outsourced or bought.

I was thinking about this yesterday when I was in NQR (a discount grocery clearance store we have here in Victoria). A couple of months ago Wendy blessed us with some gravy sachets. Now, I normally make gravy from scratch using the pan juices, stock and plain flour, so I had no idea just how much these sachets cost. Hannah used them one Sunday when she cooked dinner and again when she prepared a meal with rissoles and it was very nice tasting gravy. So, when I saw them in NQR today I thought I'd get a couple as a treat. Until I saw the price! The discounted price at NQR was $1.89! I haven't been able to find them at Coles or Woolworths to see how much they are regularly.

When we started out on this journey it was all about frugality, with a little survival thrown in. Over time though, it has morphed into something else entirely. Yes, frugality is still a big part of our Cheapskates lifestyle, but it's not the main part.

I have come across and even met people who are so focussed on frugality that they have lost the joy in living. They are so focussed on saving money that they miss out on the things they would truly enjoy just to save a dollar.  In their quest to save money they have become mean, and not just with their money, but with their sense of charity, their humour, their compassion, sympathy and empathy. They have forgotten why they chose to live a frugal life and live in loneliness and despair, scared to enjoy the fruits of their frugal ways.

That's not what we're about. Yes, we deliberately look to save money. That's just commonsense. Why pay more than you have to for something? But we don't sit in the cold because it's not cold enough to turn the heater on (when is it by the way? I always say not before Mother's Day but that's just a guide). We don't strain our eyes by only having one 40 watt light bulb burning, and we don't risk stubbing a toe because we only have one light on at a time. And we most definitely don't starve ourselves or run the risk of rickets because we only eat mince and rice.

Yes, I make my own washing powder (and if you haven't tried it may I suggest you do?). That's just commonsense. For around $10 and 5 minutes I can have enough of the best washing powder I've ever tried to last for a year. Why would I pay six or more times that price for a washing powder that makes my daughter itch unbearably and that causes us all to sneeze when we put clean clothes on?

And I cook from scratch. I actually like it these days. Pre-Cheapskates I didn't enjoy cooking at all. These days I take pride in serving delicious meals to my family, knowing they are budget-friendly, as well as nutritious. When I look at the shelves and see the jars of jams, apricots, tomatoes and sauces sitting there I feel a little satisfaction, knowing that the fruits of my labours (literally) will feed my family in through the coming winter.

So often the perception is that if you live life the Cheapskates way you don't buy anything new.  You don't eat out or go to the movies, you don't have holidays, all your clothes are secondhand and your home is sparsely furnished with rubbish. 

We don't eat out every week, but we do eat out on special occasions. And we always enjoy the meal. I think it's because it is special, something different to our normal meals.  There is the saying that what you don't cook yourself always tastes better, I think that's because it's a treat, something out of the ordinary.  When we eat out we can afford to go somewhere fantastic because we don't do it regularly, we haven't used all our money on run-of-the-mill meals. We've saved for one truly special meal. And you know what? Most of the time it costs under $50 for the two of us, often with a voucher, sometimes without.

Living frugally isn't about going without. It's about having the things you want, without the commonly associated debt. It's about seeing the difference between saving for a purpose and just saving. It's about understanding what is important to you and what is not.

I see no point in saving the shards of soap, just to boil them down and re-mould them into another cake when I'd much rather have a nice bar of my favourite shea butter soap and really enjoy my shower and my itch-free skin. I do see the point in keeping them to grate into my laundry powder - they're being used up and saving me money.

So, yes, it is about frugality. Frugality is important, without it we wouldn't be able to live the way we do. But it's not the most important part of our lives. We watch our pennies and look for ways to trim expenses because we like the end result - a debt free, cashed up life, where we laugh with joy every day.

What I'm trying to say is that living the Cheapskates way isn't just about saving money. It's about changing your priorities so that you can live life debt free, cashed up and laughing too. 

​Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we're paying every month, it's easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to find out just how much they amount to.

It's easy to dismiss cutting back on little things. A few dollars a month won't make a significant difference in the big picture. But a few dollars here and a few dollars there adds up to a few more dollars. When you cut back in a lot of small ways, you could end up with a lot more money at the end of the month.

From Debt Free, Cashed Up and Laughing