My uni studies STOPPED me biting my nails!

I've been enjoying long, beautiful nails for 30 years, thanks to a method called behaviour modification! I was required to do it as part of a psychology unit at university. It is a method which rewards good behaviour and punishes bad behaviour. This is the method:

1. You determine what you want to change: I want to stop biting my fingernails.
2. You determine what would be a good reward. I will give myself $1.00 coin.
3. You determine what would be a good punishment. I will give $2.00 to charity. Note: It is best that the punishment is worse than the reward, so you can obviously achieve your positive goal ASAP. The simpler your rewards and punishments are, the better. I used the money to purchase a scarf but you could do it for anything.
4. You work out what you need to motivate yourself to achieve that positive outcome. I used hand cream daily, I used oil to massage the cuticles daily, I painted my nails with nail hardener and once the nails grew past my fingers, I got manicures regularly.
5. Draw up a table as shown below, to keep track of your progress daily to get to your eventual goal:

Day 1 – Outcome: I put my fingers in my mouth So you put a cross in the negative box and take the punishment. Negative Positive Punishment Reward x $2.00 paid to charity

Day 2 – Outcome: I didn’t put my fingers in my mouth So you put a cross in the positive box and take the reward Negative Positive Punishment Reward x $1.00 paid to myself

From memory I stopped biting my nails after the second week and kept going until I grew my nails to the length I wanted them. I found that it took about 10 weeks to achieve the outcome I wanted. I didn’t think I would get long fingernails, but I did and continue to do so!

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!

Naturally beautiful skin and hair

I am a 39 year old mum with five children. I love to have soft skin, but I'm not keen on all those chemicals in general moisturisers. I like natural skin care creams, but they come with a hefty price tag. Thankfully, my grandmother gave me a perfect, all natural solution.

She suggested I try coconut oil, as she had used it as a skin moisturiser and hair conditioner while she was growing up. I purchased a 400ml jar of organic coconut oil from my local health shop for $10.70. I now use it every evening on my face, and every morning as a body and face moisturiser. I also use it as a lip balm and once a fortnight, I melt 1/4 of a cup and apply to damp hair. I then pop on a shower cap, wrap my hair in a towel and experience a moisturising hair pack that smells divine.

My skin has never looked better and my normally dry, curly hair is now soft and shiny. The jar I purchased six weeks ago is still half full and I estimate I will save $380 a year on moisturisers, hair packs and lip balms. Best of all, it's chemical free.

Live smart and have it all

Our wonderful daughter is a saver on the grandest scale. At 29 years old and earning a modest wage, she is building her first mortgage free home on five acres; as well as flying out to Bali for a holiday! She has had several serious health problems but is amazing in her efforts to follow her plan, thanks to the support of her equally admirable husband. Their two horses and two dogs are greatly loved and their lifestyle is totally free of unnecessary expenditure. They own their block of land, furniture and vehicles as they need them to drive to work.

To save rent while rebuilding they bought a duplex then removed junk, scrubbed, painted and renovated by finding the best way to build fences, roof a pergola and fix the faults. Meanwhile they have fenced their own block of land, installed gates, had a bore sunk, built open stables themselves with salvaged material and negotiated the big expenses of shed, driveway and site costs.

They are not without experience as she purchased her first property at 19, a unit which she and her father gutted and renovated. Her husband joined in and renovated a property, then they renovated a joint property before they purchased five acres, built a house and developed it for resale so that they could buy their current land. Recycling has included rescuing old baths for horse water troughs, finding a kitchen sink for a fish cleaning bench and rebuilding an old horse float. They planted and watered tube stock trees, had family members grow cuttings and even used the horses to mow the lawns. In fact one horse was purchased for the knacker's fee and the other was free.

No, she hasn't benefitted from a first home buyer's grant as she was too young at the time of her first unit, or from family gifts. Just planning, following her dream and sticking to the budget. It works!