var quotes=new Array()

//change the quotes if desired\. Add/ delete additional quotes as desired\.

quotes[0]='Don\'t drink bottled water\. Tap water in every large town or city is perfectly fine\. Buy yourself a cool-looking water bottle \(if you don\'t want to sport an embarrassing kid\'s one\) and fill it every time you\'re near a tap\. Flavour it with mint leaves and off you go\.<br> Save $2 - $3 a day, $10 - $15 a week, $520 - $780 a year\.'

quotes[1]='Taking a thrifty approach to life means giving yourself a pay rise\. Before tax\. In other words, saving $300 a month is like earning an extra $400 - $550 a month, or $800 - $6600 per year\. Now that\'s a pay rise\.'

quotes[2]='Have you ever seen the \'home brand\' factory in your travels? No? Mostly because the \'home brand\' products are made in the same factory as the branded stuff\. You\'ll just pay less for the privilege of not having a familiar label attached\.'

quotes[3]='How many items do you have in your wardrobe you\'ve worn 2-3 times at best? The solution is to only buy clothes you really like, that really suit\. by leaving it until the next day\. If something has impressed you so much that you\'ll bother returning, it\'s probably worth having!'

quotes[4]='The time to get ready for Christmas is now\. You know who you have to buy for so make a list and do it when things are on special\. Being organised means when you finally see the thing you need, you can get it\. Instead of the week before Christmas with every other desperate shopper\.'

quotes[5]='Do you use a clothes dryer? Think again\. It\'s the second highest user of energy per hour in the house\. Use the clothes line or a drying rack\. Even in winter, a small rack in one corner of the warm lounge is a small price to pay for quite large energy savings\.'

quotes[6]='Banish slugs and snails from your garden without poisons \(that are dangerous to your pets\)\. Strategically place dishes of stale beer near plant stalks and the pests will make a beeline for it, drowning in the process\. Much cheaper and better for small children and pets\.'

quotes[7]='Are you on top of all the tax refunds and claims you can make? We have a complicated system and it may pay to employ a tax accountant to do your return\. Their fees are tax deductible and its odds on they\'ll find a few things you weren\'t aware of\.'

quotes[8]='Getting a loan these days is no longer a vanilla, one-size-fits-all process\. A mortgage broker might make more sense for you\. They\'ll listen to your requirements and then scour the products \(what banks call loans these days\) for you\.'

quotes[9]='VoIP might make a difference to your phone bills\. If, like many people, you\'re increasingly reliant on your mobile and don\'t use the landline as much, investigate VoIP \(just google it\)\. You can do away with line rental, call costs and charges for caller ID etc\.'

quotes[10]='Sick of losing buttons on shirts and blouses? So many clothes seem to be poorly finished so protect your clothing investment with a tiny dab of super glue on the threaded area of the button\. It\'s dry clear and stop buttons dropping off at the most inconvenient time\.'

quotes[11]='Credit will kill you\. Go to cash for every purchase you can\. Two things will happen\; you\'ll be aghast at how much you actually spend on a daily basis without even thinking about it because of the convenience of cards\. And 2, you\'ll reduce the gobsmacking interest overdue amounts attract\.'

quotes[12]='Credit cards are too easy\. If you wonder where on earth all the money goes every month, you\'re not alone! When you see hard-earned cash going across the counter you\'ll start to question the value of the goods you\'re buying\. \'Is it really worth it\', you\'ll say\.'

quotes[13]='Don\'t buy new shoes, just repair the old ones\. If you loved them in the first place, chances are you still like them, so repair those worn out soles for a fraction of the price of a new pair\. Same goes for handbags and other leather goods\. You\'ll be amazed at the skills of your local shoe guy\.'

quotes[14]='Spend what you\'ve got, not what you can borrow\. This is the number one tip in a life of thrift\! Our parents saved for everything and so can we\. If we all spend, spend, spend without the save, save, save sooner or later it\'ll all end in tears\. \(Hang on, that sounds vaguely familiar\)\.'

quotes[15]='If you\'ve ever lost a recharger unit for a phone, camera or toy, you\'ll know how expensive, time consuming and difficult they are to replace\. Look after the household\'s rechargers by placing all of them in one convenient storage container close to a power point\. They don\'t move from there\!\.'

quotes[16]='Water and fresh fruit for the kids after school is a much healthier and less costly snack than biscuits, chips and fruit juice\. Or if they must have biscuits, why not bake your own on a Sunday afternoon for the week ahead\. Teach the kids and they\'ll also have a skill for life\.'

quotes[17]='Buy magazines in concert with your friends and share them around rather than all buying the same magazine\. They\'re getting expensive and in most cases the reading isn\'t time sensitive so reading the January issue in February won\'t kill you\. And the swap over is a good excuse to catch up with friends\.'

quotes[18]='Become a tightwad at the movies and take in your own snacks\. The candy bar prices can be double, even triple the cost of the same stuff in the nearest supermarket\. Carry your snacks in a small bag and leave the candy bar to its own devices\. Movies are expensive enough\.'

quotes[19]='Block those crazy \'premium\' SMS services\. Call your mobile telephone company and have them block the 19 prefix numbers to and from your mobile phone\. This is particularly relevant on children\'s phone, many of whom don\'t understand that the \'services\' are priced at $5 and more per text\.'

quotes[20]='Do your teenage kids charge through the shampoo and conditioner? Wait until each bottle has been used a little and then top up with water\. The children will squirt the same amount into their hair, they won\'t notice the difference and you\'ll save a third of the cost of shampoo over the year\.'

quotes[21]='Plan your meals and save a fortune\. Spend a quite Sunday generating a list of 21 meals that are tasty, reasonably easy and not too expensive\. Take a list each time you shop and buy just what you need for meals, not all the other impulse buys that end up in the back of the cupboard, wasted\.'

quotes[22]='Does Fido really need a fancy collar, expensive toys and gourmet foods? A robust collar, old tennis balls and plenty of cheap bones from the butcher will generally keep every dog as happy as Larry\. The bones plus leftovers from the table and a bowl of dried food every day is all he needs\.'

quotes[23]='Car sense\. If you belt away from the lights and are generally a bit of a lead foot, you\'re costing yourself an extra 30% in fuel each year, not to mention brake pads and stress for your fellow motorists\. Careful, easy driving saves money and costs you just minutes of extra time\.'

quotes[24]='Get organised! Yes, yes, harder than it sounds but being organised will cause less stress and save money by reducing double up trips, stop you re-buying things you already have \(but have left at home\) and more\. Get into the habit of using a diary and notebook to organise your life\.'

quotes[25]='Would you like a pain free $365 cash in your hand? Put a dollar from your loose change into a piggy bank every night\. You won\'t miss $1 and at the end of the year you\'ve got $365 to spend \(maybe on Christmas?\)\.  If you\'re feeling particularly generous, put away $2\. And get your partner to do it as well\. That\'s $1460!\.'

quotes[26]='Bottles of salad dressing can often sit around in the fridge only to be thrown out six months later half-used\. Make your own each week or whenever you need it quite simply with a little olive oil, a squeeze of lemon, some balsamic and a crushed garlic clove\. It\'s quick, delicious, cheap and fresh\.'

quotes[27]='Buy quality\. It\'s more expensive but the item will generally last longer\. Just make sure the item is of genuine quality, not just a triumph of marketing fluff\. A beautiful Cashmere jumper for example will keep its shape and look great for years – much longer than cheaper ones\.'

quotes[28]='Don\'t buy more expensive Playstation or X-Box games\. Get your sons to swap games with their mates for a month or so\. Carefully label the games and have regular swaps with all the kids who have the same system\. They lose interest in each game fairly quickly anyway\.'

quotes[29]='Shop to a list\! Impulse buying is the thrifty shopper\'s mortal enemy\. Impulse buying just ends up at the back of the pantry after you\'ve arrived home and wondered what on earth possessed you to buy that strange stroganoff mix that needs 15 other ingredients to make a meal\.'

quotes[30]='Freeze each night\'s left over vegies in an old ice cream container\. At the end of the week, puree the vegetables and make a hearty soup out of quality food you would have otherwise thrown away\. A crusty bread roll with a homemade vegetable soup is a joy on a cold winter\'s Sunday night\.'

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