'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!

A bitter end for bitten nails

To stop biting nails for once and for all, try bitter nail polish. There are a few brands that can easily be purchased in Australia. I’m not a nail biter myself but I worked with someone who used it. The polish tasted so awful so she simply stopped putting them in her mouth and eventually the habit was broken! Check out these links for more information on available products:

https://mavala.com.au/all-products/mavala-stop https://www.priceline.com.au/manicare-bite-no-more-12-ml https://www.google.com.au/search?q=nail+polosh+for+bikint+nails&ie=UTF-8&oe=UTF-8&hl=en-au&client=safari#imgrc=kVOEVCjLBbc5eM:

Monthly get together without spending

My mother, sister and I have changed our spendthrift ways to help each other out and enjoy quality time and a regular meal together.

We used to spend our weekends shopping. Of course we bought things we did not need. Even worse, we spent tons of money on eating out in the mall! So, we changed our habits! Once a month we spend a day at one of our houses, taking it in turns. The hostess is responsible for lunch and the others help her with a project around her house.

For example, we have painted a playroom, done general cleaning, cleaned a garage, collected items for charity and more!

Bulk liquid hand soap the easy way

I found a way to save almost $50 a year on liquid hand soap with hardly any effort! Just take a bucket filled with four litres of water. Drop a bar of generic soap into it and let it soak for 24 hours. Give it a mix and pour into clean two-litre milk bottles. Just top up pump bottles when needed. For a little added luxury, add half a cup of sorbolene cream and a few drops of glycerine. Works a treat!