My uni studies STOPPED me biting my nails!

I've been enjoying long, beautiful nails for 30 years, thanks to a method called behaviour modification! I was required to do it as part of a psychology unit at university. It is a method which rewards good behaviour and punishes bad behaviour. This is the method:

1. You determine what you want to change: I want to stop biting my fingernails.
2. You determine what would be a good reward. I will give myself $1.00 coin.
3. You determine what would be a good punishment. I will give $2.00 to charity. Note: It is best that the punishment is worse than the reward, so you can obviously achieve your positive goal ASAP. The simpler your rewards and punishments are, the better. I used the money to purchase a scarf but you could do it for anything.
4. You work out what you need to motivate yourself to achieve that positive outcome. I used hand cream daily, I used oil to massage the cuticles daily, I painted my nails with nail hardener and once the nails grew past my fingers, I got manicures regularly.
5. Draw up a table as shown below, to keep track of your progress daily to get to your eventual goal:

Day 1 – Outcome: I put my fingers in my mouth So you put a cross in the negative box and take the punishment. Negative Positive Punishment Reward x $2.00 paid to charity

Day 2 – Outcome: I didn’t put my fingers in my mouth So you put a cross in the positive box and take the reward Negative Positive Punishment Reward x $1.00 paid to myself

From memory I stopped biting my nails after the second week and kept going until I grew my nails to the length I wanted them. I found that it took about 10 weeks to achieve the outcome I wanted. I didn’t think I would get long fingernails, but I did and continue to do so!

No more shopping lists with free app

We have eliminated paper shopping lists by using a free app called Our Groceries. You can link the app via entering one email address, so everyone who does the shopping at your house has the up to date grocery list at any time. The best thing is, you can customise the list to be very specific about what you want. There is a paid version of the app but we have been successfully using the free version and love it. No more wasted paper and no more forgetting things as the list is always with us!

Asking for damaged stock saved a fortune

When shopping for large furniture items, it's well worth asking the furniture retailers if they have any damaged stock. We saved over $400 on our beautiful new dining table. Thanks to putting into practice some hints from Simple Savings, my husband and I found ourselves with enough money saved to spend on a new kitchen/dining table.

We shopped around for a long time. We knew we wanted something big - an eight-seater preferably, with a beautiful wood grain and lots of character. We looked at second hand as well as new, then finally found one we loved. But the price, at $930 was still beyond our budget. We sadly let it go.

Several days later I had a thought and I convinced hubby to go with me back to the shop again. We got talking to a sales person and I decided to be completely honest. 'We love this table but we just can't afford it at that price - can you do a better price?' He did a few calculations but the answer came back 'No'. I said we'd even be willing to consider a damaged table if they had one.

He thought for a minute, and then rang one of the guys out in the warehouse. Sure enough they had the table we wanted, in the eight-seater size, with a scratch on it. He arranged for us to go and look and - we got our beautiful mahogany table, imported from India, for half price (a saving of $465).

We don't mind the scratch at all - in fact, when people admire our gorgeous table (which they do all the time), I proudly point out the scratch to them (which they would probably not even notice otherwise) and tell them the story of how we would never have got the table if it weren't for the scratch!

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.