Treating nails in a positive way keeps biting at bay

I have found the trick to keeping nail biting and picking at bay is to 'fiddle' with them in a positive way. I am 67 and have bitten my nails since I was about three years old. My parents tried bribes, threats, nasty brown stuff painted on my nails - all sorts. I grew my nails when I got married, when my daughter got married - and indeed have grown them since for various special occasions - so determination can help! I now have nails on my fingers, but still bite/pick at my thumbs. My dad said my fingers would become misshapen, and he was right. What helps me is to 'fiddle' with my nails in a positive way - emery boards, manicure tools, nail polish, the nail treatments to stop biting - the taste does stop automatic, thoughtless nibbling. I am not a chewing gum lover, but that can also help. I crochet too, which keeps my hands too busy to nibble at!

My level headed method helps me reach my goals

My daily book has been helping me save my goals and achieve all year. At the start of the year I bought an A4 meeting book, with section dividers. This gives me a section for my goals, one for 'major lists' that will go through the whole year and lists of different levels. To give you an example, it's this one here: http://www.createl.com.au/buy/meeting-record-book-purple/2578P

I count general housework as Level 1, things like tidying up/sorting, paper cleaning as Level 2 and Level 3 as big things that need other help, such as tax or renovating/new major organisation of the house and so on.

I work full time at a job that has many night and after hour events, so find myself doing a lot of Level 1 on the weekends. However, unless I make a conscious effort, I do not get much of Level 2 or 3 done. Using this book both at work and home helps me to be really organised!

Money tin savings work online too

I have discovered that regularly checking the balance of my everyday bank account and putting just a few cents away into savings each time adds up to some big savings. How it works is this - I check the balance of my everyday account online and then transfer every amount under a dollar showing on that balance, to my savings account. For example, if my everyday balance showed $300.45, I would transfer that 45c to my savings account.

If I transfer 5c every day, then I save $18.25 per year. But if I have as much as 99c to transfer each time, I save $361.35! The more often I log on, the more I save. It works on the same principle as the Money Tin Challenge - except that I had let this spare change slip down the back of the virtual couch for too many years - not any more!

Laminating without a laminator

I have saved a fortune on laminating costs over the years, by doing my own at home. I don't have a laminating machine though - I don't need one! I just buy the laminating pouches I need and get exactly the same effect using my household iron on a low setting. You just need to ensure you are working on a fairly rigid surface - if your ironing board is too 'spongy', strengthen the surface by adding a piece of cardboard, covered with cloth before laminating. When applying the iron, put a cloth or other fabric between the plastic and the iron. The results are just the same as using a machine and the heat will gently fuse the pouch together. I have done this for so long, that I don't know how much laminating costs any more, because I never pay to have it done!