1. Write down your expenses, day by day - If you could actually see what you are spending everyday then it might shock you into not wasting so much money. If all the expenses are written on a board on the wall it is even worse. This is a real eye opener that everyone needs to do.
2. Never go shopping on an empty stomach - If you go shopping  with starving stomach then you will end up collecting extra junk foods that you may not have bought if you were not hungry. Everything looks good when you are hungry. We all know what it feels like. Even if you are thirsty you start buying lots of drinks. Fill yourself up before you go shopping and you will save loads of money.
3. Make a list of errands before you leave the house – This is good because you will go by a planned path and save your petrol and travel expenses. If you have not decided where to go then you will end up going in circles and wasting your time and money. If you stick to a plan it will also stop you from making unshedualed visits where you could spend more money.
4. Limit the number of cleaning products you use – Many people use different types of cleaning products for different appliances and devices which is not a good idea but only waste of money. It is better to use natural cleaning products and save your money. Cleaning products are a rip off. We do not need them at all. Try vinegar and bi card soda for cleaning the toilet and bathroom, water, eucalyptus oil and dish washing liquid for spray and wipe, and more…
5. Look out for a free car wash – There are several service stations that provide free wash for cars if you spend a specified amount on petrol. This sounds a bit scabby but I pay for water where I live. Washing the car can take a lot of water and if its for free then why not use it. Just make sure the price of the petrol isn’t jacked up to compensate the free service.

I personally like writing down the expenses on a board on the wall for the whole family to see. My children will not ask for money if they see that I have already spent huge amounts of money that day. It works a treat! This method is also good for seeing those hidden expenses that you forget about and just pay. You will be able to see where to cut down and stop wasting money.

Why buy expenisve mossie spray when you can make it yourself very cheaply. I make may own homemade mosquito repellant and it keeps the mossies, sand flies, and flies away.

I am one of those people that always get bitten by insects, when everyone else can’t feel a thing. Here I am scratching and slapping myself while other people are just standing there watching.

I seriously thought that this homemade recipe for mosquito spray would not work…But I am telling you that it really works.

Here is the recipe for the homemade mosquito spray:

1. 1 part Dettol
2. 3 parts Baby oil

Shake the bottle and away you go. I usually put mine in an empty pump spray bottle. Actualy an old aeroguard one. This stuff goes a long way too. It seems to last forever.

I will never go back to paying $5 or more for a chemical ridden can of mossie spray.

1. Make a list, and check it twice

Obvious? Yes. Predictable? Yes. Pointless? No. Making a list of the people you need to buy gifts for, and working out what you are going to get them before you leave the house means you are less likely to overspend on a person. How many times have you gotten carried away collecting the perfect gifts for your sister, only to realise your brother’s present now looks too small and you need to spend even more on him now too?!

2. Make a budget and stick to it

This should be done when you make your gift list because it allows you to see just how much you are spending on the festive season and chances are you’ll be inspired to curb your spending and set a limit. Setting a limit also stops you from over spending because when you reach the budgeted price ceiling, you know you need to stop shopping. If you are struggling for csah and are going to use your credit card, consider applying for a 0% purchases card before you spend. Its going to save you some serious interest.

3. Do not wait the last minute

Shopping earlier than December can save you money on your Christmas gifts. Firstly, there is more demand for all kinds of gifts and their prices increase and their availability decreases leading shop assistants to say things like ‘I can get it in before Christmas but you’ll have to pay the extra rushed shipping costs…’ Secondly, shopping in the Christmas rush is expensive for parking, petrol and incidentals like coffee and lunch breaks in your shopping marathon, but if you pace yourself, you can save on your entire gift buying experience.

4. Shop for Christmas bonuses

If you are shopping in the Christmas rush you can still save on gifts by seeking out those great seasonal bonuses. Around Christmas time many retailers will package up products and gifts to offer gifts with purchase. While you may be tempted to boost the original recipient’s gift, you can instead use this gift with purchase as a gift for someone else on your list.

5. Make and bake

Making gifts is a sure fire way to save money so if you are handy with a sewing machine why not whip up some Christmas stockings for your nieces and nephews, or if you want to give out hampers, bake the cookies and make the jam yourself, there are hundreds and thousands of free festive recipes online.

6. Secret Santa gifts

Instead of buying gifts for all of your friends and family, why not set up a Secret Santa draw within your gift buying groups. This is as simple as putting everyone’s names in a hat, and each person draws out one name, and buys one gift, with a budget set for the gifts by the group.

7. Shop online

This is another way to save on the parking, petrol and snack costs of Christmas gift buying because you don’t have to leave the house. Plus, you can often find the same products from the stores in the mall, in online stores for much cheaper because online stores have lower overheads and staffing costs – savings they can pass onto you.

8. To wrap up…

Skip the expensive wrapping paper. Glossy Christmas patterned paper can add hundreds of dollars to your final gift budget but simple brown or white paper with coloured ribbon can make an equally impressive gift – the paper will just be ripped and recycled anyway. Or you can use non-traditional gift wrapping tools as part of the gift – why not wrap gifts in tea towels or bath towels, or make a ‘Santa Sack’ from a pillow case?

Written by Fred Schebesta. Fred writes at Savings Account Finders. He offers advice on how to compare savings  accounts and make the most of term deposit accounts

Most people presume that having fun at christmas time involves having money, however it does not. In the good old days, fun was for free and you didn’t need to be rich to have a good time at christmas.

Here are some of my ideas on what to do:

1. Get the kids to make xmas decorations. Colored paper at the local newsagaent is still cheap enough. I pay about 80 cents a sheet for a huge piece of cardboard. You can also use bits and pieces you usually keep for recycling. Also buy some glue, sticky tape, and some glitter…It isn’t xmas without the glitter. If you don’t know how to make anything, Google it…There are loads of free ideas out there.
2. Instead of buying gifts, make some. People appreciated anything you give them, well they should, and especially something you have hand crafted. What about baking some xmas cookies, very cheap to make and look great when wrapped in clear cellofane paper. Photos are an easy gift. You can put a photo into an old frame, decorate it, stick a photo on a magnet, and more.
3. Print out xmas activities for the kids. There are heaps of free printable sheets on christmas and it keeps the children in the spirit of christmas just when you need a well deserved break.
4. Print out christmas songs and have a singing competition and give out small prizes for the winners. This can be very funny.
5. Make your own christmas bon bons, you know the things you pull or tug on to get gifts. This is a great way to have a laugh. You can put a message in there, a joke, or even a dare for the person to do.
6. Play christmas trivia, and let the person who answers a question pick a prize from a lucky dip. Prizes can be anthing you like…Could be a christams message, a small toy, or maybe a chocolate. People do not care what they get because it is fun. You can even find prizes at the $2 shop.

Of course there are so many others things you can do to make christmas fun, and asve money at the same time.

1. Leave in Conditioner and hair detangler – Mix your leftover Conditioner with water and put it in a spray bottle. Probably one part conditioner to 4 parts water. Maybe even less conditioner if it is a high quality one. Now you can spray it on your kids hair when you are brushing it to detangle and condition at the same time. If you make it a bit stronger it works as a leave in conditioner. Both a hair detangler and a leave in conditioner are very expensive luxuries that you will not need after you have tried this.
2. Hand Wash – Make your own antibacterial hand wash with your leftover shampoo and conditioner by adding water and dash of detol or even eucalyptus oil to the mix. Put it in a spare soap pump bottle and save a truck load of money. Its better to have more shampoo than conditioner. And when you mix it there will be bubbles but they will soon disappear.
3. Stain Remover – Use shampoo to get rid of blood stains from clothing, carpets, and almost any fabric. You can also mix a bit of shampoo with some bicarb soda for those tough stains on clothes. It is also a great degreaser.
4. Fabric softener – Put leftover conditioner into your washing machine and use as a fabric softener. You can also add a bit of eucalyptus oil to the mix to make it smell nice. I have also been known to put strawberry scented oil with conditioner for a fabric softener for my kids clothes.

Glitter Mix together 5-6 drops of food coloring and 1/2 c. salt, stir well. Cook in microwave for 1-2 minutes or spread out on a piece of waxed paper to air-dry. Store in an airtight container, as with all of the art supplies in this article.

Sidewalk Chalk 1 c. plaster of paris1/2 c. water2-3 T. tempera paintMix plaster of paris and tempera paint, then add water and mix well. Pour into molds and let dry for 24 hours. Remove from mold and let air dry for 2-7 days depending on size. You can use paper cups, plastic butter tubs or food trays, candy molds, muffin tins, or even toilet paper tubes covered with foil on one end.

Finger Paint 1 envelope unflavored gelatin1/2 c. cornstarch3 T. sugar2 c. cold waterFood coloringDishwashing liquidWhite shelf paperSoak gelatin in 1/4 c. warm water and put aside. Combine cornstarch and sugar in medium sized pot. Gradually add remaining water and cook slowly over low heat, stirring until well blended. Remove from heat and add gelatin. Divide into containers, adding a drop or two of d/w liquid and food coloring to each.

Paint 1 c. liquid starch6 c. water1/2 c. soap powderFood coloringDissolve soap powder in water, add starch and food coloring.

Edible Peanut Butter Play Dough This recipe is especially good for toddlers because they can play with the dough and then eat it. (Be sure to wash hands and work area!) It’s also one of my favorite candies, when made with peanut butter and powdered sugar!1 c. peanut butter1/2 c. honey1 c. plus 1/2 c. powdered milkMix ingredients and roll into balls. Cook Play Dough 1 c. flour1/2 c. salt2 tsp. cream of tarter1 c. water1 T. oilfood coloringMix first three ingredients together and then add last three. Cook on low heat, stirring constantly, until it forms a ball and becomes dull.

Kool-Aid Play Dough (no cooking required)3 c. flour1/2 c. salt1 pkg. unsweetened Kool-aid1 T. alum2 c. boiling water Mix together first three ingredients then add boiling water. Knead dough with up to an additional 1 c. of flour until it becomes the right consistency.

Jell-O Play Dough(no cooking required)4 c. flour1 c. salt2 pkgs. unsweetened Jell-O4 tsp. cream of tartar2 c. boiling water2 tsp. cooking oil or baby oilMix together first three ingredients then add boiling water and oil. Mix together well and knead until dough becomes the right consistency.

Sticky Putty 3/4 c. plus 2 T. water1 tsp. Mule Team Borax8 ounces white glueFood coloringHeat water over medium heat and add borax, stir with wooden spoon until dissolved. Add glue and a few drops of food coloring, stirring constantly until glue and water mix. Pour into a plastic bowl and cool.

Modeling Clay 1 c. cornstarch1 and 1/2 c. water16 ounces baking sodaCombine cornstarch and baking soda together in large saucepan. Stir in water and cook over low heat until the mixture becomes thick and forms a ball. Remove from heat and cool. Knead the dough on a countertop dusted with cornstarch until smooth.

Air Dry Clay 3 c. flour1 c. salt1/2 c. white glue1 c. water1 tsp. lemon juiceMix together until well blended. Mold into shapes or roll out and cut with cookie cutters. Let dry overnight before painting.

Papier-m?ch? Mix one part flour with about 2 parts of water until you get a consistency like thick glue. Add more water or flour as necessary. Mix well to get out all the bumps.

Goop 2 c salt1 c. water1 c. cornstarchCook salt and 1/2 c. of water for 4-5 minutes. Remove from heat. Add cornstarch and remaining 1/2 c. of water, then return to heat. Stir until mixture thickens. You can also add food coloring to this.

Multi-colored crayons Peel broken crayons and melt carefully in a small aluminum pan at 350 degrees for 15 -20 minutes. Cool and break into new multi-colored pieces, or carefully pour melted mixture into small waxed paper cups and remove paper when cooled.

Disappearing Paint Mix 1/8 tsp. “bluing” (laundry additive) with 2 cups water. Paint the sidewalk and watch the blue color disappear. Face Paint Mix poster paints with cold cream.

Cinnamon Clay This recipe is great for Christmas ornaments or scented hearts around the home.1/4 c. white glue1/3 c. applesauce3 T. cinnamon1 and 3/4 c. flour1/4 c. waterMix ingredients together until dough forms a ball. Knead dough for 1-2 minutes, adding a little more flour if needed. Roll dough out and cut with cookie cutters. Bake at 300 degrees for 10 minutes.

Crazy Putty (this putty bounces) 3/4 c. of white glueAdd enough liquid starch until a ball of dough is formed, then add food coloring and knead dough until it’s completely worked in.

Slime 1 c. glueLiquid starchFood coloring, if desiredAdd starch to glue slowly until mixture becomes the right texture; slimey!Lap Desk Make a pillow out of scrap material, fiberfill and some poly/plastic beads to make it squishy. Attach a lap tray or board with strips of Velcro.

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By planning a dinner party ahead of time is half the battle. Make notes of a theme you wish to center your party around. For example it’s about Easter. Then you may want to include hard boiled colored eggs. For a springy theme to your dinner table you can start with a plain while or ecru colored table cloth. Some votive candles or small pillar candles you can add. Remember its spring so think spring colors. Pinks are the best idea.

Next, buy a bag of Easter confetti or confetti that will compliment your dinner. Spread this confetti over your table cloth. The colors in this confetti will add flavor to your table. Put your candles on the table, and a few hard boiled eggs that are different colors. Remember now a day you do not have to boil the eggs to get colored eggs. Many of the stores carry the hard boiled colors eggs. You can also add different colored peeps to your table décor. This method of decorating a table is inexpensive but in the same token it will look like you have spent time and money to decorate. When cleaning up, well you know the peeps will be gone, just remove everything except the confetti. Take it to the trash can and just dump it, and now you are clean.

Author is Michele Rogers, owner of http://www.lilyputts.com Lilyputts Gift Baskets , an online gift basket retailer. Also hosted is a http://www.lilyputts.blogspot.com BLOG that reviews gifts and welcomes other comments as well. Please visit Lilyputts Gift Baskets for descriptions and product presentations. Please, if you use any portion herein be sure to email author first.
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1. Buy in bulk. One of the easiest ways to save money on art supplies is to buy in bulk whenever you can. Artist supply companies may give you a price break (sometimes as large as 30 percent) if you buy in large quantities. You may have to do some searching and asking around to get the best deal. Once you have established yourself as a repeat customer, the supply company may be more inclined to offer that discount.

2. Shop auction sites. Look for your favorite art supplies on auction sites such as Yahoo Auctions, eBay, or WeBidz, where you may able to find brand new art supplies for much less than retail prices. Some sellers may even have them listed well below wholesale.

3. Buy local. Check out local art supply or crafts stores, which generally have sales throughout the year, especially when new items are being added. Pay attention to unadvertised, in-store sales. If the store has a mailing list, make sure to sign up because the merchant will often announce special sales to newsletter recipients. If the store has a website, make sure to sign up for online newsletters and check for online coupon codes before you buy, as well.

4. Shop yard sales and estate sales. Quite often people will purchase art supplies thinking they’ll enjoy a particular craft. When they actually start the hobby they find they don’t like it after all and have spent quite a bit of money for supplies they’ll never use. You can often find some really good deals on art supplies like this.

5. Don’t throw out the Sunday advertisements. Larger national chains will often place coupons in Sunday’s papers because they know more people read newspapers during the weekend. Some coupons can be as much as 40% off a regularly priced item.

6. Make your own art supplies. You may be able to make art supplies cheaper than you can buy them. For example, make your own finger paint with unflavored gelatin, cornstarch, sugar, cold water, food coloring, and dishwashing liquid. Make your own modeling clay can be made with cornstarch, water, and baking soda. Search online for “homemade art supplies” and you’ll come up with a number of websites offering recipes, often using materials you have in your kitchen cupboards.

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