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!

From nail biter to nail care teacher - tips that work

I was a nail biter from a very young age. Now, I teach others how they can have beautiful nails, without spending a fortune. All you need is a little basic nail care. Soak your nails in oil for 10 minutes each day for one month. Whatever oil is in the kitchen pantry will do. Massage each nail in a circular motion (not back and forth) with the ball of the thumb. After the first month, this treatment is only needed once a month .

The next step is to treat nails weekly for the next six weeks . Cleanse them with a nail polish remover, again starting at the end of the nail bed and working down the nail to the tip. From here on, apply a simple protective barrier nail polish every day. In the beginning, the nail polish builds up as you are learning - do not worry or be concerned about that - just only do the nails once a week. Every week also file and buff the nails. Only do this once per week, as one can over process the nails (just as you can do with skin and so on).

I have ended up teaching nails care for 20 years and all of my clients who have followed handling correctly as well as the process are the proud owners of beautiful nails and hands!

$21 Challenge keeps the 'budget nag' at bay

School holidays are more affordable with the help of the $21 Challenge! Money seems to slip away so effortlessly while out having fun with my teenage kids. Budgeting is something I am trying to teach them about but it is hard to make it relevant sometimes. Then I had a great idea that would make them pro-active with the weekly budget over the holidays, without me being a 'budget nag'.

It is the $21 Challenge week, with a twist. THEY have to go and log all the food in the freezer and pantry, and make up the meal plan for the week. Then all the money THEY save us for the week can go towards some guilt-free fun. It's a great incentive and my kids are learning important household skills.

Confessions of a shopaholic

Transforming myself from a shopaholic to a smarter consumer has enriched my whole life. Not only am I saving money, my life has become deeper and more meaningful since I decided to live by the following rules:

• Keep away from the shops.
• Buy only what you need.
• Buy second hand if you can.
• Be stylish, not fashionable.
• Don't buy what you can borrow.
• Stop reading glossy magazines that encourage shopping.
• Borrow books and magazines from the library.
• Read about simple living.
• Do it slowly.
• Spend more time with your family and friends.

These rules may sound simple, but they have changed my life. For as long as I can remember, I have loved shopping. I could easily do it all day, every day and never tired of it. I enjoyed the quest to find bargains or something I had 'always' wanted or didn't yet have.

When I felt angry, sad, lonely, fat, old, poor, disappointed, rejected, embarrassed or simply 'not good enough' - I went shopping. It made me feel better.

When I felt happy, confident, rich, delighted, loved, appreciated and 'on top of the world' - I celebrated by going shopping.

Although I work full time, I had never paid off my credit card and financially I was always struggling. Then I heard about climate change and the impact my shopping was making on the environment. That's when I decided I would stop shopping all the time.

At first, this decision left an enormous vaccuum in my life. I used to be very busy - 'Never enough time in the day' was my mantra. Then suddenly I had lots of free time! I didn't have many really close friends, except my mother and sister. We often used to meet for a coffee and a chat while we were out shopping. But with all the free time I now had, I realised I had been too busy to make other meaningful friendships because of my constant shopping.

I don't meet my mum or sister at the shops any more. We now get together in each others' homes and, although I have always enjoyed their company, I rediscovered a deeper connection with them. We talk, laugh and cry for hours and hours. I am learning so much more about them. I have started to deepen the friendships I have with people who were just 'acquaintances' before. Instead of shopping, I invite them over for a cup of tea or lunch or for a walk along the beach. I'm even starting a book club.

Due to the money I was able to save from not shopping so much and because I wanted to entertain more, I rented out my small unit and moved to a lovely old house. However I soon realised I needed more furniture, so I bought it all very cheaply, secondhand from eBay. Everyone who visits my home says how wonderful and stylish it is. I love making cheap, affordable meals for my friends. I had my first party on New Year's Eve and 35 people came, each bringing their own meat, drinks or salads. To any shopaholics out there like me, it IS possible to change - I'm living proof!