Different name, different attitude to saving!

A simple change of tactic can make the world of difference when it comes to getting the family on board with saving! Our family recently did a $21 Challenge. To begin with, I was talking with my daughter, when the children started carrying on about the challenge, (the eldest child in that household in 21!). The other adult in the house said nothing, but his expression said everything. What was I going to do to get them on board? I had a lightbulb moment and told them that I was playing SURVIVOR, with help from my fridge, my freezer and my garden. Did I get any more criticism? No way. What I got was discussions on which family member would be able to survive with what is available at home, and for how long. This discussion went on for a week or more. I heard no more complaints and we spent just $2.99 over a fortnight! Next goal is a $41.00 challenge for a whole month. I just need to set a date, and get my support team going again!

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!

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!

A birthday card for just a few cents

We no longer spend up to $5.00 on a birthday card. Now we spend $0.15c at the very most!

All we do is take a photo of the family holding up a sign that reads 'Happy Birthday'. I have had a pile of them printed off and we simply write a personalised message on the back of each photo.

This great idea can be used on any occasion, including Christmas. So say cheese and save bread!