No need for takeaways with home 'auto replen' system

I have finally found a grocery system that works for me! My husband calls it 'auto replen' grocery shopping. First, I buy discounted Woolworths e-gift cards from the Entertainment Book (saving 5%). Then, having downloaded the Woolworths app on to my phone, I purchase a delivery saver, $50 for three months of deliveries. This works out about $2 per delivery for us.

Whenever we run out of something, or it is getting low, I add it to my shopping list on my phone. Once we reach $100, I then purchase the groceries. Woolworths has the same prices in store as online and the same specials. I have found this reduces takeaway significantly, as we order 2-3 times per week (I have three adults and three children in my household, plus frequently two to four young children or teenage guests. If we want something in particular, we need only wait one day for it.

We liken it to the automatic replenishment system that the larger department stores have. It works for them and it works for us too!

4 simple and effective tips to stop nail biting

For some low cost and effective nail biting solutions which just might work, I can recommend trying the following:

1. For those who have a UV light for gel polishes, get 'IBX Strengthen'. This is a product you can put on underneath the gel (still using the lamp to set) to also help strengthen the nail. It won't get rid of the habit, but may allow for better results when they get any kind of length to them.

2. Carry a nail file. I would bite mine to 'neaten them up' so if there was a sharp bit or a daggy bit I would even them up. This was a never-ending cycle that led to very sore quicks! By carrying a nail file, you can make sure there is nothing that can snag or anything.

3. I actually think that a few months of artificial nails (I like 'Prescription Nails' by GO30 as they don't damage your natural nails as much) while you are breaking the habit is helpful, as they are very hard and you can't really bite them. I do find I still put them in my mouth or tap my teeth with them so I really need to break that habit too! But after that, refer to tip1.

4. This article is also a good one to read! https://hellogiggles.com/beauty/how-to-stop-nail-biting-10-steps/

'E-money jar' perfect for cashless society

I have saved $50 in virtual coins in just a few weeks, since I started using my online money jar! I like the idea of emptying out my purse at the end of every day and placing loose change into a money jar to help me to save. The trouble is, I don't really carry any cash on me any more! Whenever I need to buy something I transfer the exact amount onto my debit card then go out and buy it. This ensures I never have excess cash to spend but it makes it difficult to save loose change. So I came up with this idea. Every time I log on to Internet banking I check all my savings accounts and transfer all the cents into a separate savings account called my 'e-Money Jar'. It's working perfectly and is amazing how quickly those few cents soon mount up!

Break your expensive shopping habits

We've saved at least $10,000 this year alone, simply by changing our shopping habits!
 
Almost every day, we'd stop at the supermarket on our way home to buy fresh ingredients for dinner – however, we'd also buy a couple of impulse items while there. The daily grocery bill was at least $30; an extra $150 each week on top of our weekly 'big' grocery shop!
 
To reduce the number of trips we made to the supermarket, we analysed our spending habits. We looked at all the grocery items we purchased and separated them into three categories:
 
1. Perishable items that need to be used within a week or so, for example, milk, bread and vegetables.
 
2. Items that had a longer shelf life or could be stored so they last longer, for example, meat that could be frozen, canned items, pasta and rice.
 
3. Items with an extended shelf-life such as toilet paper, detergent, toothbrushes and so on. We then estimated how much of each item we would use in a year.
 
We looked at what we could make or grow ourselves, for example, bread baked in the oven or herbs and vegetables grown in the garden. That left a limited number of items we needed to buy on a weekly basis including milk, fruit and vegetables; at least until the garden was established. These were all items we could buy from the local fresh food market, avoiding a trip to the supermarket, which meant lower prices and fewer impulse buys.
 
The next step was to develop a monthly meal planner - five meals per week with two nights of leftovers or 'invention' cooking using whatever was in the fridge, freezer and cupboard. We put all the recipes in a folder and worked out a monthly shopping list based on these recipes. All non-perishable ingredients are now purchased in this monthly shop. Meat is also purchased monthly from a butcher who offers bulk purchase discounts; the meat is frozen in meal lots ready to be thawed in advance for each meal.
 
We don't tend to cook in bulk, as we enjoy the process of creating fresh meals each day, but we do cook enough to provide the next day's lunch and occasionally cook a couple of casseroles or 'one pot' dishes at the same time and put them in the fridge - the flavour seems to build and is even nicer after a day or two.
 
Our menus also change depending on the season and what produce is available at that time. We're in the process of developing 'summer', 'autumn', 'winter' and 'spring' meal plans with enough recipes to get us through each season.
 
Finally, during each monthly shop we'd buy extended shelf-life items when they were on special until we had a year's worth. It takes up some extra cupboard space but we never run out of essentials and don't have to duck out to the supermarket.
 
Our ultimate goal is to reduce our 'big' shops to once a quarter rather than monthly – this will save us even more time and money by further reducing our exposure to the supermarket.
 
We have saved $150 a week by eliminating daily shops – this adds up to $7800 annually. We've saved even more by shopping at fruit wholesalers and butchers, buying in bulk or taking advantage of specials. By changing our shopping habits, we estimate we've saved at least $10,000 this year!