From nail biter to nail care teacher - tips that work

I was a nail biter from a very young age. Now, I teach others how they can have beautiful nails, without spending a fortune. All you need is a little basic nail care. Soak your nails in oil for 10 minutes each day for one month. Whatever oil is in the kitchen pantry will do. Massage each nail in a circular motion (not back and forth) with the ball of the thumb. After the first month, this treatment is only needed once a month .

The next step is to treat nails weekly for the next six weeks . Cleanse them with a nail polish remover, again starting at the end of the nail bed and working down the nail to the tip. From here on, apply a simple protective barrier nail polish every day. In the beginning, the nail polish builds up as you are learning - do not worry or be concerned about that - just only do the nails once a week. Every week also file and buff the nails. Only do this once per week, as one can over process the nails (just as you can do with skin and so on).

I have ended up teaching nails care for 20 years and all of my clients who have followed handling correctly as well as the process are the proud owners of beautiful nails and hands!

Lower price promise saved on a new cistern

I saved an easy $40 recently on a new cistern by price shopping between competitors! I first checked the prices at both Bunnings and Mitre 10 and found the latter to be the dearer option. Seeing as they promise to better the lower price on the same item, I showed them the proof of the cheaper Bunnings price. They did indeed hold true to their promise and charged me another 15% less than the lower Bunnings price!

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 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.