My level headed method helps me reach my goals

My daily book has been helping me save my goals and achieve all year. At the start of the year I bought an A4 meeting book, with section dividers. This gives me a section for my goals, one for 'major lists' that will go through the whole year and lists of different levels. To give you an example, it's this one here: http://www.createl.com.au/buy/meeting-record-book-purple/2578P

I count general housework as Level 1, things like tidying up/sorting, paper cleaning as Level 2 and Level 3 as big things that need other help, such as tax or renovating/new major organisation of the house and so on.

I work full time at a job that has many night and after hour events, so find myself doing a lot of Level 1 on the weekends. However, unless I make a conscious effort, I do not get much of Level 2 or 3 done. Using this book both at work and home helps me to be really organised!

Laundry liquid makes the best handwash soap!

I stumbled upon the best hand soap ever by accident! I had a bottle of laundry liquid I didn't like the smell of. The perfume smell was far too strong but I didn't want to throw it away. Instead, I refilled the liquid soap bottle in the laundry with it. To my surprise, I have found it is the best hand wash ever! In fact, once I finished the laundry liquid, I bought some more, to fill the hand soap bottle with!

'Miracle' moisturising cream

For just $10 I've finally discovered soft skin. I had always suffered from dry skin and, over the years, had spent a fortune on moisturisers in every price range. I never really found anything that I could put on at night which left my skin soft and moist in the morning. It seemed my skin was always thirsty. Then I read in Vogue magazine, about a woman who used Neutrogena Norwegian Hand Cream as a facial mask. She also suffered from dry skin and her dermatologist had advised her to do this. Having nothing to lose, I decided to give it a go myself. It costs well under $10 and is available at Priceline and in most supermarkets. I chose the fragrance-free one and can honestly say it is the best moisturiser I have ever used. I use it every day under make-up and my skin looks 'dewy' all day long. I apply more in the evening before bed and my skin feels lovely in the morning. I even apply it thickly as a mask sometimes, with great results - and it beats a facial in terms of how my skin feels the next day. So if you have dry or mature skin - give it a try. It is also amazing on dry feet - it really is a miracle! It's amazing to think of how many dollars I will save from now on on my new, simple skincare product!

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!