You can heal your life - and your nails!

A book by Louise Hay helped me to put an end to 45 long years of nail biting! According to her book, 'You Can Heal Your Life', biting your nails may represent 'frustration, eating away at oneself, or spite of a parent.' It wasn't until I made the conscious connection to my unresolved feelings and nail biting that I stopped. What I found really helped me was downloading some free meditations from YouTube. These cost absolutely nothing to help relax and unwind. I also repeated some daily affirmations such as 'I enjoy having beautiful, long and strong nails'. I have also used homeopathic remedies such as Brauer's Nerve Tonic, which in my opinion is the best thing since sliced bread to calm a stressed nervous system!

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!

Free on-line classes for computer skills

Save hundreds of dollars on learning computer skills with Hewlett Packard. Their website (www.hp.com) offers free online classes. Become proficient in Microsoft Word or Excel, take better photos and learn heaps of craft ideas to use them with. There are assignments at the end of each part of the course and a short quiz. There is also a message board to leave messages for the instructor and see how others are finding the course or even share ideas. There are two lessons available per week and you receive an email to let you know when each lesson is ready. You even get to print a certificate at the end, stating you have completed the course.

There are various courses available - some for small businesses and others for hobbies such as scrapbooking. Another bonus is you can print each page of the lessons as you go and keep them for future reference. Similar privately run courses or through WEA can cost a minimum of $100!

A lesson in responsibility

I've saved money and taught my daughter a valuable skill at the same time.

My twelve year old daughter has a passion for fashion, but little realisation that everything costs money. It seemed that every time I went shopping, there would always be something my daughter just had to have. It can be difficult determining if a request for something new is a necessity or not, so to stop myself sounding like the 'no police', I put the decisions back on my daughter.

I opened up a bank account in her name, with a key card attached. I worked out how much per year I would need to spend on her clothing, including shoes and accessories, but not school uniforms. I divided the yearly cost by 12 and I now deposit her monthly clothing allowance on the first of every month.

My daughter was so excited to have her own key card, and new responsibility. I did have to explain that when winter approached she would have to have enough money saved for new winter clothes and that she couldn't just spend her entire allowance every month.

Now, when we go shopping and asked 'Can I have one of those?' my answer is, 'Sure, can you afford it.' I am amazed at how many times something is picked up off the shelf as something she just has to have, yet we end up leaving the shop without it. And, I'm thrilled that I no longer have to be the one who says 'no'.

It has only been a few months but I have already saved a small fortune and my daughter is learning how to budget.