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May 2016 Journal Index
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From Cath's Desk
Hello Cheapskaters, Every year when we pack the Christmas decorations away I vow to get them sorted and tidied up, and every year they just get packed away in the same boxes and cartons they came out of. There are decorations there from..... read more..... |
Cheapskates Tip Store
Saving on Bank interest If possible pay your interest early. Instead of paying monthly or fortnightly in arrears, pay in advance. Even if you have to raid your Emergency Fund. This saves a lot of interest over the years, well worth it in the end. read more..... |
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Feature Article
The Minimum Wage Challenge Have you tried the minimum wage challenge? The national minimum wage is currently $17.29 per hour or $656.90 per 38 hour week (before tax). Could you and your family live on the minimum wage? read more..... |
5% Discount off your Groceries at Woolworths
Did you know that you can get 5% discount off your Woolworths Gift Card if you are a member of the NRMA. If you buy the gift card with the 5% discount you can then use the gift card to buy your groceries. Therefore you instantly are in..... read more..... |
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A Thoughtful Moment
Potatoes, Eggs, and Coffee Beans Once upon a time a daughter complained to her father that her life was miserable and that she didn't know how she was going to make it. She was tired of fighting and struggling all the time..... read more..... |
Cheaper, Healthier Breakfast
I have oats every morning. 1/3 cup oats and 2/3 cup water. In the microwave for two minutes. Never have to worry about it boiling over if your dish is big enough. I then add a dash of milk. Always feel like this for breakfast :P very economical and healthy :) I was also buying..... read more..... |
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Articles
How to Keep your Food Pantry Organized When you open the door of your food pantry and kitchen cabinets, what do you see? Can you locate what you need or do you have to lift and shift things first? Keep reading to find out a few valuable tips when it comes to organizing your..... read more..... |
Degustation Dinner, Another Way to Use up Leftovers
Have your own degustation dinner…seven courses of very small meals, slowly served with good dinner conversation. Course 1: Soup in a ramekin, 3 small croutons. serve with ramekin on a larger plate with the 3 croutons. Course 2: Chopped up left over roast..... read more..... |
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Habits of Financially Successful Singles
Some of us enjoy being single and some of us don’t. But there’s no arguing with the fact that being single can be more financially challenging. An additional income is a great advantage, and two people have relatively similar living expenses as a single person. Being single..... read more..... |
Query Bank Fees and Save
When it comes to Bank fees I always query fees on my account . I have always managed to get the Annual Credit Card fee waived by contacting the bank. This can amount to nearly $100. I always pay my Credit Card in full and on time. This helps when I query any late payment fee..... read more..... |
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How to Shop Monthly, Save Money and Love It!
Most of us whether we are singles, couples or families routinely buy the same basic supplies every time we shop. Therefore, it’s a simple matter to create a perpetual shopping list. Just make a master of your perpetual list and then use a copy of it when you are preparing your..... read more..... |
Mobile Phone Prepaid Payment Plan
Every time I come home from shopping, I check the balances of both our mobile phones. We use prepaid and renew $30 when needed. However much each phone is beneath this value, I put the balance away in an envelope. When it comes time to renew the $30, I have it saved and..... read more..... |
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Dating on a Budget - It Is Possible!
When you're single, going out on dates is a way of getting to know potential partners. When you're in a relationship or married, it's a way to enjoy the company of the one you love. In either case, dating can be very expensive.I was asked by a young man just recently how he could..... read more...... |
Budgeting Made Easy
I have a separate account for bills. This covers every single recurring bill including electricity, mortgage, rates, house insurance, car loan, car insurance, car rego, mobile phones, Netflix, EVERYTHING. I added up all these bills and worked out how much they would cost per..... read more..... |
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Saving Money when on Maternity Leave
My tip for preparing for a baby and toddler is to peruse Ebay for bundles. People use so little of the small gear and can often package it all together more cheaply than pop shops or sales. Also, look locally. We got some great bargains that way. My most important tip is to beware..... read more..... |
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Saving Big on Dental Bills
After having to get rid of my health insurance last year due to rising costs I have been dreading going to the dentist and I knew it would cost me a lot more than it had in the past. After an emergency appointment late last year when I was on holidays in Queensland the dentist I..... read more..... |
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Menu Planner
Fill in the meals you plan to eat for the week, fortnight or month and put the plan somewhere prominent: stick it to the front of the fridge with a magnet, blu-tack it to the.... read more..... |
So Many Ways to Use Cabbage
Look out for cabbage on special at the supermarket - you might pick it up for 2 or 3 dollars and it lasts for at least 4 weeks in the fridge. It can be used cut up and added to stews, rissoles and almost any dish you cook. (Even family who don't like cabbage don't know its..... read more..... |
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On the Menu
The Perfect Dinner Roll These light, fluffy dinner rolls are perfect with any meal. You can even use the dough to make cinnamon rolls..... read more..... |
MOO Plant Pots
I have been motivated to start a veggie garden but didn't want to spend too much on containers. Milk bottles are the answer! I use 3 litre ones as they are the ones we have. You can use them to start off with as a place to germinate seeds:- read more..... |
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Quote of Note
Go confidently in the direction of your dreams. Live the life you have imagined. ~~Henry David Thoreau~~ read more..... |
Extending the Life of your Razor Blade even Further
One of the biggest reasons that a razor blade has to be changed so often is because it rusts when left wet. To keep this from happening after shaving rinse the blade, shake it off then blow dry it with your hair dryer or set it on your heat/air register so get the air flow to dry..... read more..... |