Get every last cent out of your powder foundation

I have found an easy way to use up every last bit of make-up powder foundation. You know when you have almost got to the end of your powder compact, and all that is left is the powder on the rim? It's sad to waste, but so hard to use. Not any more, however! I've discovered it can easily be removed using a small spoon or lolly stick, then transferring it into another container. From there, you can simply apply it with a brush, like a loose powder! From now on, every time I buy a new compact, the left over bits first get mixed together and used. These days I never run out in between buying my more expensive foundation. Better still, I get to use the crushed foundation powder for 'everyday' and keep the new compact for special occasions, making it last even longer!

Online tips and tricks to stop nail biting

To prevent nail biting, let your fingers do the walking online to find some 'handy' solutions! These nail cover rings are one way -

https://www.ebay.com.au/itm/1pc-Finger-Nail-Art-Crystal-Fake-Nails-Decoration-Design-Ring-Jewelry-Crown/143196160954?hash=item21572803ba:m:mQfsbiR-zn8wkg769J1yrCw

Or you could even try Thai Dancers tips with a little modification -

http://www.ramthai.com/ramb007.html

http://www.ramthai.com/ramb059.html

Self cast tips would be more costly, unless you know someone in the business; or invest in a set of silicone tips if you can stop the nail biter from peeling them off!

https://www.ebay.com.au/sch/i.html?_from=R40&_trksid=p2047675.m570.l1313.TR1.TRC0.A0.H0.Xsilicone+finger+protector.TRS0&_nkw=silicone+finger+protector&_sacat=0

$21 Challenge helps two families

I took on the $21 Challenge, and won! However, my husband was a rather grumpy participant; he loved the savings but not the lifestyle during Challenge week. As he goes away regularly, I decided that every night he's not home for dinner would become a $21 Challenge night for the kids and I - all meals must be made from ingredients I already have at home, and I can only use ingredients that have not been allocated for other meals. This saves money and gives me a night off cooking, as my Challenge meals are usually simple affairs, sometimes as easy as pancakes or toasted sandwiches.

The true value of the $21 Challenge became apparent when a friend was recently diagnosed with a severe form of leukaemia. She is a married mother of four boys and is embarking on a long therapeutic journey that will hopefully lead to a full recovery. As a way of helping her family, the parents at our school have banded together to make all their meals for the next three to six months. As they are a large family, with an above average food requirement, I was unsure how I could afford to help feed them each week. Thankfully, my husband was away the week my friend was diagnosed, so the kids and I lived off the $21 Challenge that week and all leftover money was put into making meals to freeze for my friend's family.

We now do the same thing whenever my husband is away – it's a great gift over the Christmas break to know that I can afford to cook and freeze meals for my friend's family, and look after my family at the same time. Thank you.

The real cost of spending

I have turned my love of a good bargain into something far more valuable! Whenever I am tempted to buy something I could possibly do without, I first calculate how much we would save by paying that money into our mortgage instead. For example, I recently saw a new dress on sale for $49.99 - a bargain, right? However, I paid a quick visit to a mortgage calculator website and discovered that if I didn't buy the dress and put that money onto our mortgage instead, it would take a whole month off the loan term and save us $334.39c in interest. In other words, my 'bargain' dress would really cost me over $300!

Looking at my purchases this way has become a really easy and effective way to curb my spending habit. Now I carry a piece of paper in my wallet with various prices on and I can see how much I would really be spending. It's amazing how much stronger my willpower becomes when I check my piece of paper before buying something and find out what its real cost is!