Cheap MP3 download helped me quit nail biting for good!

I found the answer to quitting my lifelong nail biting habit in a $15 app! Over the years I had tried everything from bitter aloes to spending a fortune paying for regular manicures, thinking if I paid someone I would be too embarrassed to turn up with bitten nails. I do not like acrylic nails at all, so that was not an option for me. Now in my 50's, I shudder to think how much money I have spent on manicures over the years! The only thing that worked for me and worked immediately was hypnotherapy - but not the 'go-see-a-hypnotherapist-at-$300-an-hour-for-five-to-ten-sessions', no way! I simply purchased a downloadable MP3 for $15 USD. I listened to it each night as I went to sleep. Normally it takes about 21 days to change a habit, but I found that it worked for me completely after five days. I have no desire to bite my nails at all. I continue to listen to it from time to time as a "top-up" to maintain the cessation of nail biting. I bought my download online from www.stevegjones.com He has MP3 hypnosis programs for everything from weight loss to writer's block. They vary in price and often he has flash sales from as little as $1 per MP3 program. I am not affiliated with his company at all, but can highly recommend!

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!

Cooking when the cupboards are bare

No more dashing to the shops to grab something for dinner when the cupboards are bare! I have discovered a great website to help make the best use of the food you already have in your fridge and pantry cupboard. It is (www.cookingbynumbers.com)

It gives you a list of ingredients and you tick what foodstuffs you have at home on the list, then it comes up with a range of recipes using those ingredients. It is amazing just how much you can make with what is already available to you! It saves on wastage and on buying extra ingredients.

Eucalyptus oil for cleaning

I used to buy a large can of air freshener ($42 per year) plus a can of Glen 20 each month ($71.52 per year) for my home and bathroom. On top of that I would also buy a large spray bottle of Febreeze quarterly ($54 per year). That is a total of $167.52 just for freshening the house each year.

On top of that, there was the additional cost of $9.00 a week on floor washing cleaners and disinfectant ($468 per year). A grand total of $635.52 per year.

Now I buy two large bottles of eucalyptus oil ($22), plus I have bought two very sturdy two litre capacity spray bottles (at a once-off cost of $18).

One bottle is reserved for carpet, bathroom and fabric deoderising and freshening, which now has us enjoying the additional benefits of no fluorocarbons or chemicals being used in our home, and eucalyptus oil is twice as effective when it comes to fighting bacteria. I use two tablespoons of eucalyptus oil per two litres of boiled, spring or filtered water.

The second spray bottle is used as a floor sprayer. I now don't use a bucket and mop. I just sweep the floors, wet the mop, spray the floor as I go with the eucalyptus and, hey presto, clean, deoderised and disinfected floors in one easy go. I use four tablespoons of eucalyptus oil per two litres of boiled, spring or filtered water.

The total cost saving for an entire year has been $448, which is now being spent on music lessons for our children. The house always smells fresh, the floors are cleaner and we've had fewer colds than ever before.