I had a bad toenail infestation for many years and this worked like a charm: 1/2 White Vinegar + 1/2 Listerine (the brown kind) + a few drops of Grapefruit Seed Oil. Soak your feet in it for about 30 minutes twice daily. You can do it while you eat breakfast or watch TV. I just left it in a dishwashing tub, and changed it out every few weeks. If the smell really bothers you, you can cover the tub with a cutting board.
Women's toenails are thinner than men's, so they will respond a little faster. Mine took about 2 months and it's been gone for several years now.
For reference, I'm a physician and tried the antifungal pills, the paint-on antifungal treatment, foot powders, creams, you-name-it. Vinegar/Listerine/Grapefruit Seed Extract is cheap, safe, and works better than anything I've ever heard of. It can also be used to treat or prevent Athlete's Foot. The only down-side is that it takes 30 minutes twice-a-day. And no method is fast - it takes time.