Keep nail bitten hands busy doing good

I have found an easy way to stop biting my nails and do a good turn for others at the same time! I have bitten my nails all my life, and especially do so when I sit down to do something like watching TV, when my hands are idle. A couple of years ago however, I began crocheting for charity and gift giving during these times. While being more conscious about what my hands are doing, I am also creating things to bring happiness to others. My nails grow and are stronger than they were, my hands are away from my mouth and I don't have the same urge to bite my nails!

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!

True wealth comes in many forms

I am richer than I've ever been thanks to my Simple Savings outlook. When I first joined SS I made a number of small but significant changes to my life and the savings and benefits immediately began to add up. Here are a few of them:

I almost halved my grocery bill in a month - it went from $815 in February to just $430 in March when I started shopping at Aldi and carefully tracked every cent. I discovered my 'inner baker' and instead of buying cakes and biscuits, I baked them from scratch at home. When my washing machine broke down, instead of having to pay out $700 for a new one my wonderful boss gave me an old spare machine they had and no longer used. I made two calls to my insurers, one for my car and one for my house, and found I could save $150 and $400 respectively on my yearly payments. I checked my mobile plan. Because I hardly use it, it was not working in my favour. I changed to a prepaid plan and now what I spend is what I use.

And, finally, I stopped looking for another job to earn extra money. Every dollar I save means time I don't have to work. I am now building my 'wealth' every day in more ways than one.

Many of my friends I used to envy have new cars, impressive houses, expensive clothes - and huge credit card bills. They holiday in Bali or Queensland but work 40 hour weeks in order to do so. They pick up tired and stressed children from after school programs and feed them take away foods because they're too short on time and energy to cook from scratch.

I have a 13-year-old car, a 1980's house, cheap clothes - and NO credit card debt. We holiday three times a year for a week at a time in our trusty 80's caravan and I work 20 hours a week, during school hours, for four days a week. I have one day just for me (or housework). My children walk to and from school and come home to baked goods, home-cooked meals and a happy relaxed household. I'm there to oversee and help with homework and I watch all their sports games.

Ask me again if I want another job to have the 'stuff' I once thought I wanted/needed and my answer will be a clear, precise, 'No way'. Thank you Simple Savings for helping me to step back and see what's really important in life.

Hubby accepts money troubles after wife resigns

Swapping roles with my husband forced him to start budgeting and to learn to take control of our finances!

My husband and I are happily married and are about to celebrate our 50th wedding anniversary, but there was a stage in our lives when we were raising three children and our finances were incredibly stretched, yet he refused to accept it.

One day there was no bacon for his breakfast (he likes bacon every day) and he lost his temper. Rather than get angry back, I wrote him a letter resigning as housekeeper, mother and wife and gave it to his secretary.

He finally agreed to talk and I got him to agree that for one month he would take responsibility for running the house on the budget I had been working on. It wasn't long before he asked 'How on earth do you manage? We need to reassess our finances'.

Since then we have always cooperated when it comes to getting through a tough period.