Sorry if these have already been said Danni but here are my tips:

1. Grow your own vegies - it sounds daunting and I had no clue when I started but now I have successfully grown capsicum, lettuce, tomatoes, herbs, zucchini. Oh and they taste great too!

2. Make extra repayments onto your mortgage, even if only a tiny bit every week. This reduces your interest and gives you a 'cushion' if you are struggling to make a repayment.

3. Shop at Aldi or similar

4. Usually petrol is cheaper on Tue/Wed and beware long weekends when prices tend to sky rocket

5. Target/Kmart often have 20% off clothing/shoes etc so it pays to wait for those specials before you buy something

6. Plan your meals every week and don't buy lunch if at work

Um I think that is all I have right now, good luck and congrats hun!!!