A bitter end for bitten nails

To stop biting nails for once and for all, try bitter nail polish. There are a few brands that can easily be purchased in Australia. I’m not a nail biter myself but I worked with someone who used it. The polish tasted so awful so she simply stopped putting them in her mouth and eventually the habit was broken! Check out these links for more information on available products:

https://mavala.com.au/all-products/mavala-stop https://www.priceline.com.au/manicare-bite-no-more-12-ml https://www.google.com.au/search?q=nail+polosh+for+bikint+nails&ie=UTF-8&oe=UTF-8&hl=en-au&client=safari#imgrc=kVOEVCjLBbc5eM:

Lose weight, save money and reduce waste with friends

Our group of friends have learned there are many more benefits to being health conscious than just losing weight! We first started getting together to try and lose weight after Christmas. My friends went with the keto diet and I chose intermittent fasting. Of course, everyone needs to make sure they are medically safe and that whatever you choose suits you, as well as being mindful that children have different needs.

Having company certainly helps with motivation as we meet for coffee most mornings and compare notes. A bonus from this however, aside from losing weight and feeling much better, is that our grocery bills are a fraction of the usual. I am so pleased to see money left in my account on pay day! One friend reported that for her and her husband the usual spend at Harris Farm was over $200. Now it is under $40. I am single so used to spend around $100 a week on groceries and another $100 plus going out. Now I am down to $60 a week all up!

The other issue for me was waste. I would regularly buy whatever took my eye and it would go off in the fridge. Now I make a list (amazing how that works) and only buy enough for my meals. For example, I buy one zucchini instead of a bag full. I find grating some colourful veggies such as carrot, zucchini, yellow squash and red capsicum makes the meal interesting and seems bigger somehow. I get the ALDI salmon OR the chicken thighs - not both like before! - and either of these will last me for over a week.

Buying fresh produce is much cheaper and better than packets. The diet has reduced my appetite, so I can afford to buy smaller pieces of meat of higher quality. It takes some organisation but is so worth it. Training yourself to eat less certainly helps the budget. There are some good resources on intermittent fasting on the Internet and Dr Michael Mosley's book. My friends are using The Power of Protein. I also found a guy who appeared on The Doctors, who has created the Snake Diet, although that's a little extreme for me!

Ask for the gift that keeps on giving

I am a young woman on a single income, paying off my homeloan. I know the amazing financial savings that are possible when you make extra payments of any size on a large loan. However, because I am on a low annual income I often find it very hard to find any spare cash after all the bills have been paid.

So for birthdays and Christmas, when my friends and family are seeking ideas for gifts to give me, instead of asking for things I don't really need, I ask them to deposit the amount that they would have spent on a gift straight on to my homeloan. I am very close with my friends and family and they understand my financial situation. They are only too happy to help me get ahead and hopefully one day own my own home. It is a gift that keeps giving and one I truly appreciate. I read recently that for every extra $1.00 you are able to pay against the principal of your homeloan you will save $2.00 in return and take years off your loan. The understanding and generosity of my friends will help save me tens of thousands in interest over the years.

Deluxe hampers for Christmas

Buying Christmas presents for adult friends and family can be both expensive and stressful, especially when trying to match the perfect present to the person.

So one year I decided to make up small deluxe hampers which contained a mini bottle of sparkling wine, two plastic champagne glasses, chocolates, mixed nuts and home-made shortbread. I purchased the gold wire baskets from the Reject Shop for $2.00 each and the glasses (also from the Reject Shop) were $2.00 each. The mini sparkling wines were purchased from Dan Murphy's and worked out at around $3.50 each when purchased in lots of six. The chocolates were a good quality brand, and individually wrapped, so I bought a large tray and then divided them up (which was cost effective as I only needed around three in each basket). I then purchased a large bag of mixed nuts, which I repackaged into small Cellophane sachets, and I made the shortbread, which worked out to only a few cents each.

The overall cost of each hamper was around $10, including the cost of gold tissue paper (also purchased from the Reject Shop) to line the baskets and ribbon for decorating. I suggest sticking to one colour theme for each hamper, for example, gold covered chocolates, ribbon and baskets or silver baskets and accessories.

It's a good idea to look in places like the Reject Shop or $2 shops as soon as you see Christmas decorations appearing on the shelves. That way you get the best selection and can start putting them together early (except for the shortbread or any home-made foods you choose to include in the hampers). This way you'll have plenty of time closer to Christmas to concentrate on the children's presents!

I saved heaps of money, made something original and had heaps of fun doing it!