A sticky end to nail biting

We found a low cost and easy solution to helping our daughter stop her nail biting habit. We used good quality sticking plasters and stuck them to the ends of each finger, cutting to fit where needed. It's best to use a 'good' brand like Band Aid, which will stay on for a while. These days, Kinesiology tape would probably be my go-to, as I think it sticks best (when heat activated). Sometimes I would paint the bitter tasting polish over the top of the sticking plaster as a reminder if her fingers got to her mouth. She was motivated to stop, and we promised she could have nice nail polish on when her nails grew out, so there was a carrot as well!

'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!

Better food, less vet trips

We have found that changing our brand of dog food from a 'cheap' supermarket brand to a vet-only brand has effectively saved us $5,000.

We used to feed our pets a good quality but cheap brand of food, costing around $20 per week in two kilo bag lots. We decided to experiment and switched to an ultra premium brand that is only available from veterinary hospitals and some pet shops. At $35 for a two kilo bag, it was quite a shock and we thought this was a mistake! However, we stuck it out for a month as planned and came to the following conclusions:

1. They gained condition, coats were shinier, softer and thicker and whiskers grew longer and stronger.
2. They had more energy but lost their tendency to behave like children at a five year old's birthday party!
3. They 'pooped' less and the odour of their urine and faeces was reduced by at least 75%.

The biggest realisation was that they only ate their way through half a bag every week, meaning we were now saving $10 a month just on food alone. Plus, we no longer had to feed supplements and we saved money on litter and both time and money on litter tray cleaning.

In the long term, we have found that their odour has decreased so much that they only need a shampoo bath every six months, not every two weeks as previously.

We have also had less trips to the vet and some chronic conditions have disappeared or become easier to manage without medication. A saving of close to $5,000 per year for us. We love our local vet and so do our pets, so we still visit regularly - but only for a cuppa and a chat!

A lesson in responsibility

I've saved money and taught my daughter a valuable skill at the same time.

My twelve year old daughter has a passion for fashion, but little realisation that everything costs money. It seemed that every time I went shopping, there would always be something my daughter just had to have. It can be difficult determining if a request for something new is a necessity or not, so to stop myself sounding like the 'no police', I put the decisions back on my daughter.

I opened up a bank account in her name, with a key card attached. I worked out how much per year I would need to spend on her clothing, including shoes and accessories, but not school uniforms. I divided the yearly cost by 12 and I now deposit her monthly clothing allowance on the first of every month.

My daughter was so excited to have her own key card, and new responsibility. I did have to explain that when winter approached she would have to have enough money saved for new winter clothes and that she couldn't just spend her entire allowance every month.

Now, when we go shopping and asked 'Can I have one of those?' my answer is, 'Sure, can you afford it.' I am amazed at how many times something is picked up off the shelf as something she just has to have, yet we end up leaving the shop without it. And, I'm thrilled that I no longer have to be the one who says 'no'.

It has only been a few months but I have already saved a small fortune and my daughter is learning how to budget.