Find the reason behind nail biting online

If you are spending money on solutions to put an end to nail biting, it could pay to instead get to the bottom of WHY you are doing it! Nail biting is associated with anxiety, because the act of chewing on nails reportedly relieves stress, tension, or boredom. People who habitually bite their nails often report that they do so when they feel nervous, bored, lonely, or even hungry. For more information, visit this link:

https://www.psychologytoday.com/us/conditions/onychophagia-nail-biting

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!

Don't lose sight of your goal

I am 22 years old and on a low income, but am well on the way to saving for my first house! I developed a simple system that keeps my savings goal at the forefront of my mind and encourages the support of those around me.

I've always found it hard to save, but one day I got a big piece of cardboard and wrote 'My House Deposit' at the top. On the right hand side I cut out images of a house, a kitchen and a loungeroom that I would love to own one day. On the left hand side I drew a giant thermometer and on the side wrote the figures $0 to $40 000 ascending, just like on a real thermometer. Whether or not I need $40 000 is irrelevant; I look at this table every day and whenever I save another $500, I colour in with a red crayon up to the amount on the tally. I use hints from Simple Savings, such as making my own lunch every day and not buying clothes if I don't need them and now whenever I make a purchase I think of my house deposit and how much I want it far more than a coffee or new shoes!

An unexpected bonus of having this chart is that I've found my family and boyfriend have become aware of my goals and I get lots of support along the way. This visualisation technique really does wonders, and most importantly you are making a concrete agreement with yourself and you stop losing sight of your goals. I'm already a quarter of the way to reaching mine!

Bickies in a hurry

I have just read the recipe for nut and oatmeal bickies on this site. I have used a similar recipe many times and find that six dozen bickies in one baking session are just too many. So, I only bake one dozen, shape the rest of the batter into balls, lay them in a single layer on a plate or roasting dish and place in the freezer. Once frozen, I put them into plastic sealed bags so they are free-flow and I can cook as many or as few as I need at 18 minutes notice - a couple of extra minutes since they are frozen to start with.
 
This is great for unexpected visitors, kid’s afternoon teas or $21 Challenge weeks. My friends think I'm so clever!