My health insurer saved me hundreds on travel cover

I have saved $400 on my travel insurance, thanks to my health insurer! I’m going to Europe for six weeks and know the importance of travel insurance. I have a credit card that offers complimentary health insurance, but the underwriter has changed and now NO pre-existing condition is covered. I’ve had a few accidents and illnesses that their previous underwriter covered previously; but the new underwriter said No to ANY pre-existing injury, even if it was healed and needed no further treatment or medication. So I had to independently take out cover for $620 for the six weeks I’m away. In an attempt to offset the cost, I phoned my existing HEALTH insurance. After talking with them, I have suspended my insurance for the time I’m away, and a few weeks when I’m back in Australia, which is two months in total. This has saved me $400 for two months, therefore reducing the cost of my travel insurance to only $220. My annual credit card fee is $150, so I will be cancelling that as well, as it no longer is worth the money if I am not eligible for cover with their travel insurance. So all up, a saving of $150 plus $400 adds up to $550 in total. No small amount and will certainly help fund my travels!

A bitter end for bitten nails

To stop biting nails for once and for all, try bitter nail polish. There are a few brands that can easily be purchased in Australia. I’m not a nail biter myself but I worked with someone who used it. The polish tasted so awful so she simply stopped putting them in her mouth and eventually the habit was broken! Check out these links for more information on available products:

https://mavala.com.au/all-products/mavala-stop https://www.priceline.com.au/manicare-bite-no-more-12-ml https://www.google.com.au/search?q=nail+polosh+for+bikint+nails&ie=UTF-8&oe=UTF-8&hl=en-au&client=safari#imgrc=kVOEVCjLBbc5eM:

Oven cleaning made easy

I wanted to share this excellent method for cleaning your oven.
 
Heat your oven to 250C and place two casserole dishes filled with water on each oven rung. Leave for one hour, ensuring the casserole dishes do not boil dry. Turn oven off, remove dishes and let the oven cool for a few minutes. Remove rungs, then wipe oven clean with a soft cloth. The rungs may need a light rub with a Scotchbrite cloth.
 
The new cloth I used was black in no time but my oven was sparkling clean without the use of chemicals, and only for the cost of heating the oven! An impending visit from the oven repair man motivated me to clean the oven. He commented on how sparkling clean it was – he even wrote down the cleaning instructions!

A wee piece of good advice

Toilet cleaning, deodorising and water conservation has never been easier.

You can kill three birds with one stone by piercing a few holes through the lid of a bottle of vinegar and putting the bottle in your toilet cistern. The weight of the bottle displaces the water meaning you use less water with each flush. The vinegar will slowly seep out, leaving your loo smelling nice and making cleaning easier. When the bottle is empty, simply refill it with homemade vinegar which is simply half a bottle of cheap white vinegar topped with rainwater. Leave for 24 hours and it will be full strength and ready to use.

Now, if we could only get men to leave the toilet seat down...