Find the reason behind nail biting online

If you are spending money on solutions to put an end to nail biting, it could pay to instead get to the bottom of WHY you are doing it! Nail biting is associated with anxiety, because the act of chewing on nails reportedly relieves stress, tension, or boredom. People who habitually bite their nails often report that they do so when they feel nervous, bored, lonely, or even hungry. For more information, visit this link:

https://www.psychologytoday.com/us/conditions/onychophagia-nail-biting

'Gentle reminder' can lead to a lifetime of saving

Often all it takes is the smallest reminder to make a huge difference. Having just turned 65 and now "eligible" to retire, I am not ready to do so either physically, emotionally or socially. I'm also frequently with younger people, who don't necessarily have the same basic foundation of budgeting that I was brought up with. With that in mind, I have taken to carrying around a subtle reminder of the cost of living which not only works for me, but will hopefully rub off on those around me.

My card wallet has a 'sticker' reminder, which says "$20? Is it worth one hour of work?" It's small and discreet, but effective! It also serves as a talking point when I am out and about with some of the younger ones and buying coffee or lunch. It's simple to make the label on the computer or by hand, then clear tape to the card wallet. Here's to some improved lifestyle options as I age further!

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!

Confessions of a shopaholic

Transforming myself from a shopaholic to a smarter consumer has enriched my whole life. Not only am I saving money, my life has become deeper and more meaningful since I decided to live by the following rules:

• Keep away from the shops.
• Buy only what you need.
• Buy second hand if you can.
• Be stylish, not fashionable.
• Don't buy what you can borrow.
• Stop reading glossy magazines that encourage shopping.
• Borrow books and magazines from the library.
• Read about simple living.
• Do it slowly.
• Spend more time with your family and friends.

These rules may sound simple, but they have changed my life. For as long as I can remember, I have loved shopping. I could easily do it all day, every day and never tired of it. I enjoyed the quest to find bargains or something I had 'always' wanted or didn't yet have.

When I felt angry, sad, lonely, fat, old, poor, disappointed, rejected, embarrassed or simply 'not good enough' - I went shopping. It made me feel better.

When I felt happy, confident, rich, delighted, loved, appreciated and 'on top of the world' - I celebrated by going shopping.

Although I work full time, I had never paid off my credit card and financially I was always struggling. Then I heard about climate change and the impact my shopping was making on the environment. That's when I decided I would stop shopping all the time.

At first, this decision left an enormous vaccuum in my life. I used to be very busy - 'Never enough time in the day' was my mantra. Then suddenly I had lots of free time! I didn't have many really close friends, except my mother and sister. We often used to meet for a coffee and a chat while we were out shopping. But with all the free time I now had, I realised I had been too busy to make other meaningful friendships because of my constant shopping.

I don't meet my mum or sister at the shops any more. We now get together in each others' homes and, although I have always enjoyed their company, I rediscovered a deeper connection with them. We talk, laugh and cry for hours and hours. I am learning so much more about them. I have started to deepen the friendships I have with people who were just 'acquaintances' before. Instead of shopping, I invite them over for a cup of tea or lunch or for a walk along the beach. I'm even starting a book club.

Due to the money I was able to save from not shopping so much and because I wanted to entertain more, I rented out my small unit and moved to a lovely old house. However I soon realised I needed more furniture, so I bought it all very cheaply, secondhand from eBay. Everyone who visits my home says how wonderful and stylish it is. I love making cheap, affordable meals for my friends. I had my first party on New Year's Eve and 35 people came, each bringing their own meat, drinks or salads. To any shopaholics out there like me, it IS possible to change - I'm living proof!