Sock it to draughts with cheap 'door snakes'

With every winter, it's important to make our heating systems as efficient as possible. Draughts under doors (both to outside and to rooms not currently being used) let heat escape, driving heating costs up. Door snakes are often advertised at around $10 each. This means for a whole house you may be looking close to $100. Instead, you can use a pair of men's long, knee-high socks! These can be filled with rice (or sand if you have easy access to it). Either tie a knot or see the top to seal. You can purchase ind the socks at cheap shops or ok shops, use the cheapest rice you can buy and you can make a house-full for less than the price of one commercially produced door snake.

Put your nail biting habit to sleep for good

For most unconscious habits such as nail biting, hypnosis is often the best, cheapest and environmentally friendly cure for nail biting. No drugs, no chemicals and usable by any member of the family providing they are receptive to hypnosis. Some people cannot be hypnotised but they are very few and far between. A single personal session might be all that is needed, but there are some very good programs available in various formats for home use. Worth a go!

Declare war on the mortgage

We decided to get rid of the $96,000 mortgage on our home within three years. The massive load of interest we would pay to the bank was over the top and we felt that the bank owned us. The entire family bought into the project one hundred percent.

1) We replaced the nice modern cars with older, less costly ones. The net difference and any savings we had and $700 from a garage sale were paid off the mortgage.

2) We agreed to budget as if we were in a life and death war and the war had to be won in three years. I developed an Excel budget spreadsheet and we tweaked the numbers until we had a 'do-able' weekly saving of $220 extra to pay off the mortgage. Clothes purchases would be done exclusively at 'Harrods', our Salvation Army shop, until the war was over.

We decided to run any item not budgeted for over three 'hurdles'.

The first hurdle was 'could it shorten the mortgage war?'

The second hurdle was 'is it a health issue?' and if so what was the least-cost workable solution?

The third hurdle was 'could it wait until the end of the three years?'

3) As time progressed we became pretty smart at reassigning money to reward ourselves for enduring the war. This meant we could have a low cost take away sometimes, or spend on an out of budget item we had set our hearts on.

It took nearly four years to knock off the mortgage. Yes, we won the war a little later than hoped, but we won. If it had taken eight or nine years to win, it would still have been worth it.

The legacy of our war against the mortgage is that we have developed great money saving skills for life. And life is great.

Dishcloth keeps vegetables fresh

We buy our vegetables every week at our local Sunday market. Occasionally, we fail to get through all the produce by the end of the week, and we're left with some sad looking vegetables in the fridge. I just hate waste!
 
We've found that putting a Chux dishcloth, or any absorbent dishcloth, in the bottom of our veggie drawers makes a huge difference. It absorbs any moisture from the bottom of the drawer, and leaves our vegetables fresh and crisp for a whole lot longer. Every week, we wipe the drawer, throw the dishcloth in the wash and replace it with a new one for another week of fresh, crisp vegetables. By doing this, we save around $7.00 per week!