'Gentle reminder' can lead to a lifetime of saving

Often all it takes is the smallest reminder to make a huge difference. Having just turned 65 and now "eligible" to retire, I am not ready to do so either physically, emotionally or socially. I'm also frequently with younger people, who don't necessarily have the same basic foundation of budgeting that I was brought up with. With that in mind, I have taken to carrying around a subtle reminder of the cost of living which not only works for me, but will hopefully rub off on those around me.

My card wallet has a 'sticker' reminder, which says "$20? Is it worth one hour of work?" It's small and discreet, but effective! It also serves as a talking point when I am out and about with some of the younger ones and buying coffee or lunch. It's simple to make the label on the computer or by hand, then clear tape to the card wallet. Here's to some improved lifestyle options as I age further!

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!

Hand sanitisers banish foot odour!

We are saving over $600 a year on shoe deodorisers! My husband has terribly smelly feet and is very embarrassed by the problem. It was costing us approximately $12 every week to buy different shoe inserts and powders, all of which were only temporarily effective. Now it only costs us $2.00 every two months! My husband has discovered that just a few drops of waterless hand sanitiser on each foot kills all the bacteria that causes the feet to smell. It takes just a few seconds to apply and evaporates very quickly, meaning no mess on his feet, socks or the carpets. He buys the large bottles of sanitiser for only $2.00 in the bargain stores and they work brilliantly. All his shoes, including his work boots, are now completely odourless!

Anti-pimple treatment that works!

I save over $50 per month on skin care preparations for my children's teenage skin. With four of them, I have spent a fortune over the years on pimple creams, Panoxyl at $12 a tube and the latest Diprovan cream at $52 per month.

Once, we ran out and in exasperation I advised my daughter to use bicarbonate of soda and lemon juice. It works! Cut a lemon in half and save one half covered in the fridge for later use. Rub the other half on affected areas and use as a cleanser. Rinse, then cut a slice off the top, wrap in cling film and place in the fridge. Then mix one teaspoon of bicarbonate of soda with a small amount of water to make a paste. Dab onto affected pimples and leave for half an hour. Then rinse off. (Perfect for evenings when doing homework!)

The lemon acts as an astringent and is antibacterial. The bi-carb dries up the excess oil causing the pimple.

For a cheap and effective moisturiser we use Vaseline Intensive Care at $8.00 a bottle, which lasts six months. A total cost of $26 (lemons from the garden) per year and my daughter has recommended this to all her friends. Much better than $600 spent at the chemist each year!