Treating nails in a positive way keeps biting at bay

I have found the trick to keeping nail biting and picking at bay is to 'fiddle' with them in a positive way. I am 67 and have bitten my nails since I was about three years old. My parents tried bribes, threats, nasty brown stuff painted on my nails - all sorts. I grew my nails when I got married, when my daughter got married - and indeed have grown them since for various special occasions - so determination can help! I now have nails on my fingers, but still bite/pick at my thumbs. My dad said my fingers would become misshapen, and he was right. What helps me is to 'fiddle' with my nails in a positive way - emery boards, manicure tools, nail polish, the nail treatments to stop biting - the taste does stop automatic, thoughtless nibbling. I am not a chewing gum lover, but that can also help. I crochet too, which keeps my hands too busy to nibble at!

Bundle up your bags and don't get caught short

I have come up with a super easy way to solve my shopping bag dilemma! Like many people, I was sick of trying to organise a whole bunch of bags of different shapes and sizes in the back of the car, ready for shopping trips. I really like my car to be free from clutter, so wanted a thrifty and simple solution, I decided to use an old cosmetic purse and filled it with 99c reusable nylon bags from the supermarket. These roll up tiny and fasten with a elastic tab, making a neat and tidy little roll. I can fit eight of the tiny rolls into my cosmetic purse and this in turn fits nicely into my handbag or centre console of the car. These days I never get caught without a bag and these ones can get used over and over again. Being made of material, they can also be thrown into the washing machine if they have had meat or something drippy in them and are soon as good as new again!

A Challenge for life

After reading The $21 Challenge, I thought I would see which other areas of my life I could apply the Challenge to.

First, I opened a separate bank account and now deposit $21 every week before I do anything else with my money. I see this as a type of retirement fund – it will be nice to see the funds in 30 years time!

My next $21 Challenge is to only put $21 worth of petrol in my car each week. I will park my car further away from where I need to go; this will save money and improve my fitness and wellbeing.

When my phone contract ends soon, I am going to challenge myself to spend no more than $21 on pre-paid phone credit each month - now that will be a challenge!

There are so many ways we can implement the $21 Challenge in our lives, thanks to Fiona and Jackie's inspirational book.

Simple equation helps pay mortgage

My husband and I have set a goal to pay off our mortgage within five years. We have a way to go, but keeping this goal in mind has helped us to curb our spending.

I worked out that any amount I put on our mortgage is actually worth five times that amount due to the saving in interest. So when I am thinking about spending $20 on a top, I multiply this amount by five and realise that I do not want to spend $100 on a $20 top! That $20 would be much better invested if it was put into our mortgage.