Low cost fake nails stop me biting real ones

I have found fake nails are the best solution to stop me from biting my real ones. You don't have to spend a fortune on salon acrylics every four weeks either. There are DIY kits on AliExpress such as Belle Fille which look easy and are affordable. Making sure to use a cuticle oil or cream regularly during the day also helps to stop picking of said cuticles too!

Lock in fuel savings and make them last!

Our household has found a super easy way to make the most of cheap fuel prices. We watch the fuel cycles with the ACCC petrol price cycles website (https://www.accc.gov.au/consumers/petrol-diesel-lpg/petrol-price-cycles). When it is getting to the lowest point of the cycle, as well as our vehicle, we also fill up five 20 litre fuel containers. If it is inconvenient to do so, we prepay and lock in the fuel price on both of our phones on the 7/11 app. This guarantees that locked price for seven days. We then use that fuel through the next 3-4 weeks (the length of the fuel cycle generally). It's like having our own petrol station at home!

Fuel containers cost around $20-$25 at BCF and the savings per cycle paid for each container. Now it's pure savings of $30 per cycle. Petrol works out around $520 per year less for us, for very little effort! At first, my husband was concerned that the fuel may not last (he is a qualified mechanic), but I showed him some tests BP had done on this matter, finding that six months later, the values were still the same. We notice zero difference in fuel consumption, km/L, or parts wearing out any faster.

Everyone we tell thinks this is an amazing idea, we find it strange that no one else seems to have thought of it!

Confessions of a stay at home mum

I can hardly believe it but we have an extra $2000 sitting in our savings account! I have been a stay at home mum for 18 months. My husband earns a slightly above average salary, which allows me to stay at home with our son. We have a modest home, with modest furnishings and modest tastes. We haven't really had a financial plan since we got married two and a half years ago and have just been cruising along, saving a bit some months and spending it other months.

When I first left work I had full intentions of making a budget, planning our meals, organising our lives and generally being on the ball with our finances. Each month when pay day rolled around, I would say 'this is the month where I get organised!' But it never happened. I am the first to admit that I have been lazy, unmotivated, complacent and ostrich-like. I have been a member of Simple Savings for over a year and always thought we were doing OK and didn't really need to know all these ways to save money. I had heard of the $21 Challenge but wasn't really motivated to try it and we were ticking along as usual - until last month.

With baby number two arriving in three months we needed extra storage space so we extended our garage to make room for all our stuff. This extension made a dent in the savings account which although we knew it would, was quite depressing to see the balance dropping and dropping and not going back up. Lo and behold, motivation began creeping in!

I downloaded all our bank transactions for the month and was horrified to find that I had spent an average of nearly $260 per week on groceries for two adults and one toddler. There were lots of other things I was also horrified to see but I started with the groceries as it seemed easiest. Motivation knocked harder. I decided to take charge!

I read the first two chapters of the $21 Challenge on the website, put a copy of the book on my library request list and did a stocktake of my pantry, fridge and freezer. Imagine my shock when I discovered I had enough ingredients to plan meals for the next 19 days! That's not counting meals like scrambled eggs, pumpkin soup and the emergency baked beans on toast. We had enough food in the house to live on for over three weeks! We just needed fresh fruit and veges and that was about it. I didn't quite make $21 but my first grocery shop after doing the stocktake came to $61, down from $258 per week the previous month.

From then on I watched the bank account like a hawk and knew where every cent went. In previous months when the bank account got low, I would simply pull out the credit card and pay it off on pay day but not this month! This month it stayed in my wallet.

It's pay day again tomorrow and guess what? I have spent an average of $160 per week on groceries, saving us nearly $100 per week. By being aware and thinking to myself 'do I really need that?' and deciding 'no', the savings account has increased by a whopping $2250! That figure makes me weak at the knees! I can’t honestly say where the money has been going before now. We don’t have the latest gadgets, appliances or clothing. I am truly at a loss BUT I have to say I'm pretty proud of myself right now! At the same time, I feel a bit sick that I didn't do this 18 months ago, or even 12 or 6 months ago, but I've done it now. I am motivated to change my ways. I have goals. I have the energy to do this and I have Simple Savings to thank for giving me the tools to continue saving. THANK YOU!

Garage sales changed my life

We are retirees. We eat well, dress well, and live in a modern house, with an interesting flower and vegetable garden. Our income would probably be classed as poverty level, but we live like kings, because we have one shared vice. We are garage sale fanatics. Little in the house has been bought new. Older furniture has been restored, as my husband has clever hands. Once a year he sells the surplus at a huge garage sale, and it usually pays for a holiday.

We buy books, linen, furniture, new clothing, garden plants, sewing material and cottons, timber for building toy boxes and hall stands at garage sales. Our kitchen TV cost $25. The little one in the bedroom is 25 years old, so I bought a video recorder for $5.00 and can now get all the channels through the video. My three telephones and the answering machine are all from garage sales, as are my kitchen crockery, blankets and the beautiful satin embroidered bedspread that cost $5.00.

I am like a centipede with shoes as I buy good brands that have been tried on in the shop and are as new. It is the only place I can find the good comfortable shoes I favour. Likewise, many of my clothes are top brands. I bought a $168 pant suit for $10 because the lady's husband didn't like the colour.

The deep freeze, the two coolers, bed lights, beautiful big mats are all from our Saturday morning treks. We list the sales and use a street map to plan a route to save petrol.

Sometimes tinned food or home-made sauces are available, and if the vendors have fruit trees they sometimes sell the fruit by the plastic bag - picked yourself.

Nothing is sacred at garage sales, and provided you need the items there are some real bargains.

How about our home security system for $2.00, because the seller couldn't work it? A little investigation on the Net yielded full instructions.

My computer came from a government auction at one-third of the price quoted for a second-hand model at our local shop. Needed a bit of study to set it up, but I love puzzles, and so had it running with the Windows 98 program I bought for $10. I also keep the grandkids in Playstation games, and my daughter has been married for 20 years and has never bought any linen as I have kept her supplied with good quality buys.

My hobby started after my divorce when I found myself with an old 50's house to renovate and little furniture. So I started to buy 50's vintage furniture as well as renovating materials - paint, wallpaper, timber, doors, curtains.

Along the way I met a widower with the same ideas, so garage sales have provided a lot of rewards - a good life, enough money to enjoy ourselves, and a multitude of associated hobbies and friends.