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!

Lock in fuel savings and make them last!

Our household has found a super easy way to make the most of cheap fuel prices. We watch the fuel cycles with the ACCC petrol price cycles website (https://www.accc.gov.au/consumers/petrol-diesel-lpg/petrol-price-cycles). When it is getting to the lowest point of the cycle, as well as our vehicle, we also fill up five 20 litre fuel containers. If it is inconvenient to do so, we prepay and lock in the fuel price on both of our phones on the 7/11 app. This guarantees that locked price for seven days. We then use that fuel through the next 3-4 weeks (the length of the fuel cycle generally). It's like having our own petrol station at home!

Fuel containers cost around $20-$25 at BCF and the savings per cycle paid for each container. Now it's pure savings of $30 per cycle. Petrol works out around $520 per year less for us, for very little effort! At first, my husband was concerned that the fuel may not last (he is a qualified mechanic), but I showed him some tests BP had done on this matter, finding that six months later, the values were still the same. We notice zero difference in fuel consumption, km/L, or parts wearing out any faster.

Everyone we tell thinks this is an amazing idea, we find it strange that no one else seems to have thought of it!

Chef's tip keeps avocado from turning brown

I am no longer wasting leftover avocado, thanks to this simple storage tip! I have always loved avocado but could never use a whole one in one go. I would use about a quarter for my lunch but by the time I went to use the rest it would have gone brown and didn't look very appetising! Avocados can be quite pricy so the expense of wasting so much was very annoying. Then my new partner, who is chef told me how to stop the browning! I didn't realise but the longevity of avocado is due to light. He advised me to wrap the avocado in aluminium foil and then wrap it in cling wrap and put it in the fridge. To my surprise it really works! Now I get to enjoy ALL my avocado and save heaps too!

Positive thinking lifts pressure

My husband and I are soon to become parents and our income has been cut in half. Now that we're on a tighter budget, I have realised how much we were caving in to outside financial influence from friends and family. From innocent dinner invitations to suggestions on 'must-have' products for the new baby, the dollars were being seduced right out of our pockets. At the same time, it quickly became uncomfortable saying 'We'd love to, but it's not in our budget' in almost every conversation. It made me feel constantly deprived and I would actually end up spending money to make myself feel better. My husband stopped wanting to talk about our finances at all because he felt stressed out.

After thinking long and hard about our spending habits, I decided there were three main ways that outside influences were sabotaging our budget: social invitations, gift giving, and pressure to buy. Once I specifically identified these influences, it became so much easier to combat them.

Instead of declining every dinner invitation, and feeling bad about constantly telling our friends we didn't have the money, we organised a monthly dinner party for the entire group. We rotate hosting duties, and guests just bring a bottle of wine. Instead of eating out once a week with one or two friends, we now have a festive gathering once a month with everyone all at once - but only pay for a home-cooked dinner a couple times a year! It puts us back in control of how much we spend. I've also realised that people essentially just want to spend time with you, so you can feel free to counter suggest a cheaper and more creative option than going out to dinner. Instead of 'it's not in our budget', I now say 'Would you be up for a picnic on the beach instead? The weather is supposed to be beautiful'. If the plans are set in stone, I say 'We already have a commitment for dinner, but can we meet up with you all for a drink afterwards?'

I also noticed that giving gifts was really adding up. It was so simple to start making my own gifts instead. My favourite is to make chocolate covered strawberries and wrap them up in a beautiful gift box.

To stop caving in to pressure to buy, I've had to change the way I go shopping. It used to be a leisure activity to go with friends on the weekends, but I know I am too easy to influence. It's just inevitable that they will say 'You look great in that, you should buy it', or 'I had this with my first baby, you definitely need it'. Now I shop alone, with a list! I've also stopped taking the bait in conversations. If someone is recommending a $700 mountain buggy stroller, I ask if they know of a more economical brand of similar quality.

The most important way I've stopped outside influence from wrecking our budget is to talk openly about things with friends and family. Through this I've learned that most people are in the same situation. A friend confided that she was deeply in credit card debt and didn't know what she was going to do. Now instead of meeting her for a weekly manicure and lunch date that costs at least $60, we have opened up and become a real support system to each other for reaching our financial goals. It's often perceived as taboo to talk about money with people, but I think our friends have been just as relieved as we are!