Replace nail biting with horsetail herbal capsules

A tried and true way to prevent nail biting is to take horsetail herb capsules. Nail biters seek silicone and this herb supplies it. I am a naughty nail biter from way back (and still do because I am hopeless at taking pills!). However I swear horsetail capsules work and my nails grow like wildfire whenever I remember to take them!

4 simple and effective tips to stop nail biting

For some low cost and effective nail biting solutions which just might work, I can recommend trying the following:

1. For those who have a UV light for gel polishes, get 'IBX Strengthen'. This is a product you can put on underneath the gel (still using the lamp to set) to also help strengthen the nail. It won't get rid of the habit, but may allow for better results when they get any kind of length to them.

2. Carry a nail file. I would bite mine to 'neaten them up' so if there was a sharp bit or a daggy bit I would even them up. This was a never-ending cycle that led to very sore quicks! By carrying a nail file, you can make sure there is nothing that can snag or anything.

3. I actually think that a few months of artificial nails (I like 'Prescription Nails' by GO30 as they don't damage your natural nails as much) while you are breaking the habit is helpful, as they are very hard and you can't really bite them. I do find I still put them in my mouth or tap my teeth with them so I really need to break that habit too! But after that, refer to tip1.

4. This article is also a good one to read! https://hellogiggles.com/beauty/how-to-stop-nail-biting-10-steps/

$25,000 saved in three years

I was renting for nearly three years on a medium salary and really just living day by day. I decided that I wanted to get out of the renting cycle, so thought I would become educated financially. I started reading the 'Rich Dad, Poor Dad' by Robert Kiyosaki series of books and immediately I saw there was no way out unless I changed my psychological views dramatically and acted on them.

I started a savings plan by setting up three bank accounts - one for daily spending (which gave me a small amount of easily accessed money), one for bills (which I used to pay credit cards and so on) and one for long term savings (through ING Direct) which was only to be touched for large goal purchases.

I requested my employer split my pay 30% in the daily and 70% in the bills accounts. Once the 30% ran out, I just sacrificed a bit more and went without the usual luxuries until the next pay. I soon found that I would spread the money out for longer until I hardly ever ran out. At the end of each month (or whenever the deadly credit cards had been paid), whatever balance was left in the bills account was transferred to my savings account.

I am happy to say that after three years, I have managed to save nearly $25,000 for a deposit for my new home, whilst accumulating 5.25% interest!

Handy reference protects you from theft

Protect your personal wallet contents for just a few cents. Just go to your local library and empty your wallet or purse on to the photo copier (license, cards, Medicare - everything!) and make a copy. It can save you hours of worry and extra money should your wallet get lost or stolen. You will have all the numbers and information you need for reference handy - not with the thief!