Keep nail biting (and vampires!) away with garlic

My mother put an end to my nail biting using this inexpensive trick. She simply rubbed a freshly cut piece of garlic onto my nail tips. Whenever I would be tempted to nibble my nails I would get a raw garlic taste in my mouth. Gross! It didn't take me long to be cured!

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!

A lesson in responsibility

I've saved money and taught my daughter a valuable skill at the same time.

My twelve year old daughter has a passion for fashion, but little realisation that everything costs money. It seemed that every time I went shopping, there would always be something my daughter just had to have. It can be difficult determining if a request for something new is a necessity or not, so to stop myself sounding like the 'no police', I put the decisions back on my daughter.

I opened up a bank account in her name, with a key card attached. I worked out how much per year I would need to spend on her clothing, including shoes and accessories, but not school uniforms. I divided the yearly cost by 12 and I now deposit her monthly clothing allowance on the first of every month.

My daughter was so excited to have her own key card, and new responsibility. I did have to explain that when winter approached she would have to have enough money saved for new winter clothes and that she couldn't just spend her entire allowance every month.

Now, when we go shopping and asked 'Can I have one of those?' my answer is, 'Sure, can you afford it.' I am amazed at how many times something is picked up off the shelf as something she just has to have, yet we end up leaving the shop without it. And, I'm thrilled that I no longer have to be the one who says 'no'.

It has only been a few months but I have already saved a small fortune and my daughter is learning how to budget.

A Challenge for life

After reading The $21 Challenge, I thought I would see which other areas of my life I could apply the Challenge to.

First, I opened a separate bank account and now deposit $21 every week before I do anything else with my money. I see this as a type of retirement fund – it will be nice to see the funds in 30 years time!

My next $21 Challenge is to only put $21 worth of petrol in my car each week. I will park my car further away from where I need to go; this will save money and improve my fitness and wellbeing.

When my phone contract ends soon, I am going to challenge myself to spend no more than $21 on pre-paid phone credit each month - now that will be a challenge!

There are so many ways we can implement the $21 Challenge in our lives, thanks to Fiona and Jackie's inspirational book.