Shirley here. We, that's hubby and two primary age children, have been living in North Auckland since January.

We love living here, but the fly in the ointment is money.

There's a well-known saying from Charles Dickens, "Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

We're not miserable, but we're getting that way because we're spending a bit more each month than we earn. This can't go on, so we need to cut back. That's possible. We can eat less, drink less, go out less, not travel around New Zealand, and so on.

It seems such a shame to be here to improve our quality of life, and then cut back on some of these things that, for us at any rate, make a good quality of life.

Rather than start cutting, I wonder if the good people on this forum can help by sharing some of their tips for saving money without cutting back, if you understand what I mean.