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!

'Gentle reminder' can lead to a lifetime of saving

Often all it takes is the smallest reminder to make a huge difference. Having just turned 65 and now "eligible" to retire, I am not ready to do so either physically, emotionally or socially. I'm also frequently with younger people, who don't necessarily have the same basic foundation of budgeting that I was brought up with. With that in mind, I have taken to carrying around a subtle reminder of the cost of living which not only works for me, but will hopefully rub off on those around me.

My card wallet has a 'sticker' reminder, which says "$20? Is it worth one hour of work?" It's small and discreet, but effective! It also serves as a talking point when I am out and about with some of the younger ones and buying coffee or lunch. It's simple to make the label on the computer or by hand, then clear tape to the card wallet. Here's to some improved lifestyle options as I age further!

Add light and warmth with 'magic' mirrors

We have saved hundreds of dollars on making our daughters' room cosier! We are living in a rental property which we really like. However, our daughters are in the front bedroom and although it has a window, the room itself it doesn't get a lot of sunshine. This makes the room rather gloomy and feels damp in winter. We have a small heater which we use to try and take the chill off the bedroom before they go to bed but using it makes us feel we're watching money disappear before our eyes!

The perfect alternative would be spend hundreds of dollars on installing a skylight but since we're only renting, this really isn't an option.

A couple of weeks ago, I bought a couple of mirrors for $4 each to stick on the inside of a wardrobe. While I was preparing the area, I put the mirrors on the windowsill and to my astonishment, noticed how much brighter the room was when the sun hit the mirrors and bounced off the ceiling. It was as though I'd switched on a light!

By using those two mirrors and angling them slightly, I was able to bring sunshine and some warmth into the room. I have since purchased two more mirrors to make sure I take full advantage of the entire time that the sun hits the windowsill. The room is heaps brighter and feels more cheerful and warmer. It only cost $16 and it was all done with mirrors!

Quick hint about slow cooking

I leave for work at 7.30am and get home at 6.30pm, but I still need to prepare dinner for my husband who starts night shift at 5pm. If I turn on my slow cooker at 7.30am, the food is sometimes overdone by the time he gets up at 3.30pm.

To solve this problem, I have purchased a cheap plug-in timer, just like the one people use to turn on their lights when they go on holiday. My cooker now comes on during the day and dinner is perfectly cooked by 3.30pm! This saves on power because the slow cooker is not turned on all day.