Tap into the answer to no nail biting

If you are a nail biter, you may find the solution to quitting the habit by working on the sub-conscious mind. 'Tapping' is also known as the Emotional Freedom Technique. More information is available at www.thetappingsolution.com They are the best I have found. They have some free videos you can watch and follow along online, as well as books which you may find at your local library. Worth checking out!

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!

Use it or lose it

As part of my $21 Challenge to use all the food in the pantry, I have set up a 'use up soon' basket containing items getting close to their use-by date. This way, I will remember to use things before I have to throw them out.

Take a break from paying the bills

This simple bill payment system lets you take a holiday from paying bills at Christmas time.

Every time I receive a bill, I pay $10 more than the amount required. For example, if the monthly phone bill is $50, I pay $60. This has worked really well for me, and come December I am able to stop the phone, internet, power and rates payments. I use this money for Christmas gifts, safe in the knowledge that my bills are covered.