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Taking the $21 Challenge

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Think you can survive on $21 a week? Find out how mum of three, Carrie Cox, managed it!

Carrie Cox

I have a confession. I stopped keeping a budget long before I had children. While not being reckless, I spend what I think is necessary to feed my family - me, my husband David, and our kids Emily, 13, Lara, five, and Carlton, three.

My weekly grocery shop is generally around the Aussie average of $320, so I guess we're not doing badly, but it's still a big weekly expenditure.

My shop includes cleaning products and toiletries, and I've watched it creep up steadily as the children grow older and consume more.

I'm often at pains to show my hubby where I've tried to save money - buying meat in bulk, taking advantage of two-for-one specials, cutting out snacks. But even if I'm saving $10 to $20 a week, the balance is still hefty.

So when that's life! asked me to road-test the new book The $21 Challenge, I was interested. It challenges you to live for a week on just $21, an idea I'd scoff at under normal circumstances. But, armed with my new bible and a website full of tips, I began to think maybe we could do it.

The idea isn't to do the $21 Challenge every week, just for one week. After that you'll have learnt money-saving tips that will enable you to save on shopping in future.

I discussed the concept with David and the kids. Hubby was happy. I was determined. The kids asked if they could stay with relatives for the week.

MONDAY
As the challenge outlines, I begin with a stocktake of my kitchen cupboards. This is a highly embarrassing exercise, because many of the condiments and cereals I find have expired well before the last change of government.

Among the still-edible pantry items I extract are dozens of pasta side-dishes, exotic couscous sachets, several half-empty cereal boxes, enough flour to bake a cake for England, and tin after tin of canned food (I'm always prepared for the next tsunami).

In the fridge are multiple fete-bought condiments, including chilli paste, pesto, lemon butter and mango chutney.

There are also staples, such as margarine, milk, half a pack of cheese and a few tomatoes, plus the kids' lunch stuff such as yoghurt and tinned fruit.

In the freezer is a large packet of mince, two packets of sausages, a bulk pack of blade steak, a small serve of chicken fillets and about six half-used packs of vegies.

I also have eight potatoes, three apples, four overripe bananas, two onions and one loaf of bread. Game on!

TUESDAY
In a perfect world, I wouldn't be starting this challenge in the week that my great-aunt happens to be staying with us, but she'll simply have to come along for the ride.

I try to explain the concept to her, but the figure of $21 sees her throwing her arms in the air and despairing for the wellbeing of my children. 'They'll starve!' she says.

I assure her the challenge is about expanding our diet by thinking outside the square and getting creative with the food we already have, but she's immovable.

Fortunately, the book accompanying the challenge has a whole section dedicated to handling naysayers, so I mentally file my great-aunt under the 'guilt tripper' category and press on.

Today would normally be my grocery-shopping day, so I'm happy to be gaining an extra two hours to get other things done around the house.

Realistically, yesterday's stocktake also showed me we don't actually need much food anyway. I've got a lot more than I thought. The only things we've completely run out of are sugar, juice, lettuce, lunch meat, eggs and coffee (argh!), but I'll hold off spending my $21 until I really need to.

WEDNESDAY
We all have cereal for breakfast and I make the kids cheese and tomato sandwiches for lunch, as well as throwing in a yoghurt and the last of the apples.

While the kids are at school I make a banana loaf with the overripe bananas, even though I don't have two of the key ingredients - sugar and cinnamon. After consulting the ingredient-substitution section of The $21 Challenge book, I learn I can use half a cup of honey instead of sugar, and ginger for cinnamon.

For dinner I stretch my small serve of chicken fillets by using them in a tomato-flavoured casserole. Some diced potatoes make it a bit heartier and I also add some mango chutney for flavour.

Unfortunately the kids aren't big fans of the wet-meat concept. But instead of pandering to them by making an alternative meal, which I too often do, I explain what we're trying to achieve this week. Much eye-rolling follows. WEDNESDAY

This morning I buy milk and bread for breakfast and school lunches, so I use $6.50 out of my $21. I'm tempted to buy coffee, but the cheapest jar is $5! I call into my mum's house for a mid-morning coffee instead.

The banana loaf helps fill the lunch boxes this morning and for dinner we have rissoles made from the mince, dried herbs, tomatoes and cornflour (a substitute for the egg that would normally hold the rissoles together). We have the rissoles between bread, hamburger-style, and I serve up a side of the couscous I'd found in the pantry.

The couscous isn't a big hit with the kids, but at least they're trying some different things this week.

THURSDAY
Disaster. My sister and her family call in this evening and although I haven't allocated enough food to feed 10, I ask them to stay for dinner anyway.

This means I need to defrost an extra packet of sausages and also the steak, so I'm left with no meat for the rest of the week. I serve it with oven-roasted potatoes and frozen veg.

This, I decide, is the only flaw in the $21 Challenge – its lack of flexibility. Planning every meal for a week will prove tricky.

Nevertheless, I'm determined to see it through. On the upside, my sister felt sorry for me and left behind a jar of coffee. I'd warned her I had none.

FRIDAY
I have to buy bread and milk again, so we're up to $13 now. My great-aunt is looking at me in a smug manner, aware I have no meat left. But I do have The $21 Challenge on my side, and it contains a swag of suggestions for making substantial no-meat dishes.

I use tins of four-bean mix and a tin of chopped tomatoes to fill hot jacket spuds for dinner. For this I need to buy six more potatoes, costing $3.20.

The spuds are a huge hit - a new family favourite.

SATURDAY
It's the weekend and I've got the kids (and the hubby) under my feet, piling on the pressure to make them something yummy.

Scrambling through the pantry, I dig out all the cake ingredients and whip up some muffins with a tinned-fruit filling. They go down a treat. Result!

Dinner is beans on toast, which I'd forgotten I could enjoy so much.

SUNDAY
I decide to make a big sweet-corn soup for dinner. I have tinned creamed corn, tinned corn kernels and chicken stock, but I need to buy another can of chopped tomatoes ($2.64) and so my total is up to $18.84. With the remainder I buy a French stick from our local bakery.

The soup is lovely, although my husband laments the absence of our usual weekend takeaway. Sorry dear, not in the budget!

I've done it. I've fed the family on $21, and I know that I could do it again. I've learnt lots of great money-saving tips and found a greater awareness of what I have in my kitchen, instead of focusing on what I don't have. Best of all, the experience has given me a fresh commitment to continue saving more money in the future.

Click here for more information about the $21 Challenge PLUS tips on how to start.

Have you taken the $21 Challenge? Let us know how you went by leaving a comment below.

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Related Links
Feed your family for just $21 a week!
Learn how to save your child's life
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Your comments

As a pensioner I would love to be able to live on $21 a week, will be looking forward to giving this a try.
I find cooking for 1 is harder than when I cooked for a family of 5.

Posted by christina from WA on 30/09/2009 9:25:09 AM

i was shocked to read that the average famly of 4 spend $320 on a weekly shop
I myself only spend $200-$220 a week and thats for a family of 5

Posted by sharon from VIC on 3/10/2009 1:16:59 AM

Carrie a fabulous effort on the $21 Challenge. I must confess I am a Simple Savings member, so I am biased. I think you did a great job, wouldn't it be boring if things always went to plan.

I tried the Challenge last week to celebrate the release of the book and I must say I came a bit unstuck. I ended up buying pizza one night when friends visited (they also contributed - not that I asked for it). And it's funny some would think that I failed the Challenge, but you know what I still won. As even though I didn't go under $21 I still had money left over to donate to the Tsunami victims in Samoa.

Posted by Sandra from QLD on 9/10/2009 5:17:53 PM

Fantastic now thats one book I would love to have. I am always looking for ways to save money and with will power and planning it is worth it.About a year ago I started buying extra stuff each week and now its at the stage where once a month I have to spend 50 dollars on stockups. This month its margarine the 4k tub cost 13.99 we need two of them and a 5k bag sugar 10 dollars. Each week we have cash left in the budget we decide what to use it for , this month we are lay bying drapes for our bedroom and they were on half price .
working to the want and need plan works
if i want it = its not urgent and can wait till things we need are taken care of
If I need it= how fast do we need it , can we get it on layby, or do a no shopping week and use the grocery money to get it.
We have no mortgage , we sold our wowo house and paid off all accounts and bought an old house in need of work and slowly as cash is available we get a bit more done and bartering gets us a long way too.
So we dont live in an upmarket house but we no longer have the stress of mortgage. We bank in a savings account what the market rent would be and this we use for the repairs and you know it is a wonderfull feeling to see the house starting to look wowo and know it was all our our efforts not the banks

Posted by Chris from OTHER on 29/10/2009 9:59:21 PM

I'd like to see KEVIN RUDD, OR MIKE RANN, OR PAULINE HANSON do the $21.00 challenge...... PLEASE EXPLAIN!!!

Posted by belinda from SA on 30/04/2010 2:17:36 AM

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