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!

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.

Budgeting for all bills on a low income

I am on a very, very low income, so I budget for every bill and expense. I put away bill money every fortnight and that way I have all my bills covered as they arrive, and we seem to just spend the rest. Last year I decided to pay me as a bill, so every pay day I pay me first, just $50. I now have over $1200 in savings. I can't believe how easy it is; just pay yourself before everyone else. The first couple of pays it was an effort not to touch it, but as soon as I saw it mounting up, I got very excited. I tell myself all the time that money is power. While $1200 is not much to some people, to me it's a fortune. Try it - it empowers you.

Being frugal can be fun

Sometimes I feel as though I've lived on a budget all my life! I live alone in a second floor rented apartment - no yard or garden, just a concrete car park. To combat that 'locked in' feeling, I have endeavoured to bring the outside in for little cost.

I have several indoor plants; beautiful, green and healthy. My small cold water fish tank has two goldfish in it, they are healthy and lively and provide colour and movement darting around. Very cheap pets too, a can of fish food lasts for ages and you can get all kinds of tanks to suit any budget.

I conserve water by using the 'old' water from the fish tank when I change it to water my plants, giving them lots of nutrients! I also use the water left from steaming vegetables to water the plants too.

I have no car, so must walk to get my groceries and other needs. I tell myself this is all POSITIVE. Everytime I walk to the shops and back it is exercise and energy sustainable. I'm not creating any air pollution either!

Almost all my clothing comes from the local opportunity shops - guess you could call me Second Hand Rose! I have three good op shops in my area, which are also great for cheap books, kids' toys - just about anything you can think of!

Frugality is not about being 'mean'; it's often very necessary for those on a fixed and limited income - and it can be a lot of fun!