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!

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!

How to plan meals for a family of six

I only need to shop for food once a month and am saving $3000 per year on feeding our family of six.

With four children, I was spending at least $800 per month on shopping, so I came up with a plan to try and cut costs. I went through recipe books and chose meals that I was going to cook for dinner. I wrote a list on an A4 page for every day of that month and what I was going to cook for each day. Then, on another page I wrote all the food items that I needed for the recipes I had pre-chosen and that was my shopping list for the month.

The best thing is I now knew what I was cooking every day, without walking to the fridge and thinking 'what am I cooking?' I also put the A4 page of what we were having for dinner on the fridge and the family knew what we were having each day without asking me!

To start with I went shopping every fortnight for food, but now I do it once a month and only spend $550 each month.

Before I began this routine, I was spending $9600 per year on food for four children and two adults - now I am spending $6600 per year! The extra $3000 we save each year goes into our children's bank account, which they just love!

Simple equation helps pay mortgage

My husband and I have set a goal to pay off our mortgage within five years. We have a way to go, but keeping this goal in mind has helped us to curb our spending.

I worked out that any amount I put on our mortgage is actually worth five times that amount due to the saving in interest. So when I am thinking about spending $20 on a top, I multiply this amount by five and realise that I do not want to spend $100 on a $20 top! That $20 would be much better invested if it was put into our mortgage.