Treating nails in a positive way keeps biting at bay

I have found the trick to keeping nail biting and picking at bay is to 'fiddle' with them in a positive way. I am 67 and have bitten my nails since I was about three years old. My parents tried bribes, threats, nasty brown stuff painted on my nails - all sorts. I grew my nails when I got married, when my daughter got married - and indeed have grown them since for various special occasions - so determination can help! I now have nails on my fingers, but still bite/pick at my thumbs. My dad said my fingers would become misshapen, and he was right. What helps me is to 'fiddle' with my nails in a positive way - emery boards, manicure tools, nail polish, the nail treatments to stop biting - the taste does stop automatic, thoughtless nibbling. I am not a chewing gum lover, but that can also help. I crochet too, which keeps my hands too busy to nibble at!

Priceless personalised gift for teachers

Our end of year teachers' gifts cost nothing and mean more to them than any expensive chocolates or mugs! For each of my young kids' teachers, we print a sheet each year titled "Tell Me About (Teacher's Name)..." It has 8-10 questions on it, with space for the kids' answers to be written in, either by them or dictated to an adult. Questions can be anything. We include things like:

How old is Mr X? What is Mr D's favourite food? Something Miss B always says is.... What does Miss J like to do for fun? Ms P loves it when.... If I had $1000 I would buy Mr H a .... Miss V is a great teacher because.... Mr K gets cranky when... And finish with: A Special Message for Ms A...

Every year it is a massive hit. Teachers love it and when there are multiple teachers, they love to get together and compare answers!

'Less is more' for motivation

I have decided I want a house which I can clean in minutes and I don't want any more energy or money draining clutter that makes it harder to control. The more I have the harder it is to control and the more motivation I need to contain it. 'Less is more' is my new mantra! I am applying this principle to my finances as well - when I buy too much it is such a burden and I don't have the motivation to stay on top of all the bills. Therefore, less is more - more energy, more money and more happiness!

One dollar saving plan

I have devised a simple savings plan which you can use to fund a holiday, new furniture, Christmas or extra payments on the mortgage.
 
By saving just one dollar in week one, and adding an extra dollar each week after that, you will save $1378 in one year! It is a really gentle way to start saving, perfect if you feel you don’t have any spare money to save.
 
In week one, save $1.00. In week two, save $2.00. Week three, save $3.00...and so on! By week 52, when you save $52, you will end up with your grand total.
 
When the 52 weeks are up, you can start the cycle again with just $1.00, or if you're really ambitious you can continue with your saving plan; if you keep doing it for another 52 weeks, you'll have saved $5046! What a saving! If that’s too much of a stretch, and you start again at only $1.00, you will still have saved $2756 in two years. Happy saving!