​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.