Top Ten Tuesdays #20 – January 12th, 2021

Top Ten Tuesday was created by The Broke and the Bookish in June of 2010 and was moved to That Artsy Reader Girl in January of 2018. It was born of a love of lists, a love of books, and a desire to bring bookish friends together.

The rules are simple: Each Tuesday, Jana assigns a new topic. Create your own Top Ten list that fits that topic – putting your unique spin on it if you want. Everyone is welcome to join but please link back to http://www.thatartsyreadergirl.com/ in your Top Ten Tuesday post.

This week is all about our 2021 Resolutions. They can include your book resolutions, or other areas in your life.

  1. Read 30 minutes a day.
  2. Exercise for 20 minutes a day.
  3. Save up more money.
  4. Get enough sleep.
  5. Schedule more time to write my stories.
  6. Learn how to crochet via YouTube videos.
  7. Continue to declutter my belongings.
  8. Cut back on ordering and eating fast food.
  9. Eat healthy foods.
  10. Travel to a new city, if travelling is permitted.

I would love to hear about some of your resolutions in the comments.

Day 11

Every day, I am writing about a positive affirmation, and I am also going to discuss life lessons that I have learned that day, or have learned throughout my life. Even though I am in my mid-twenties, I still feel like I have a lot of wisdom to offer to others.

I was inspired by these blog posts by reading The Language of Letting Go by Melody Beattie. In that book she has daily readings throughout that book. She got a lot of her ideas from her other books about codependency. She is a really a good author. I started reading her books because someone dear to me who was an alcoholic. I found comfort in her books.

Today’s lesson is about eliminating one less expense from your monthly expenses. Whether it is you cut back on one less coffee throughout the month, or you eliminate a night of take out. You can look at your subscriptions, and think of cancelling one of them. You can decide how big or how small you want to cut back on expenses. It can really help you with your monthly budget. Perhaps one of your goals this year is to save money, this can be a really good starting point.

Today, I will be more aware of my monthly expenses. I will focus on ways of how I can more responsible with my money, and ways where I can save up more money.

Grocery Shopping

Welcome back to the final post (for now) regarding resetting your finances.

Another tip to help you cut back on your finances, is to grocery shop strategically.

What I like to do is I…

  1. Take inventory of what I have, and what is about to go bad. I would include these foods for either the next day, or within two days or so.
  2. Check my local grocery store flyer, and see what is on sale. I add things I enjoy on my list. My favourite things to buy are colourful vegetables that I can add to my pastas, stir fries, etc.
  3. Have No Meat Mondays to help eliminate the cost of meat, since meat is the most expensive food group at the grocery store. I’m an omnivore so I enjoy meat and vegetables, but I try to cut back on meats.
  4. Buy family packs of meat, and freezer bags. I prefer to buy family packs of meat so I can separate my portions into two, or even three meals. I buy bulk sizes for a lot of things, as well. When I freeze my food, I write the contents and date, and expiry date. Then I just thaw it in the fridge when I need it.
  5. Stock up on all sale items. If you see something that you like on sale, and it won’t go bad fast, I tend to stock up on it. There would be good sales on pasta noodles, and pasta noodles so I like to stock up since it is a cheap sale, and noodles last a long time. I like to add noodles in my soups, pasta dishes, and other dishes, too.
  6. Figure out my meal plan using the ingredients. I like to make dishes with the same ingredients so I can roll those ingredients to other meals. For example when zucchinis are on sale, I can so many dishes with that. I can add to it my pastas, I can make into a ratatouille dish, and I can make zucchini boats. That is where you slice them long wise, and scoop out the remains, and you can stuff it with sausages, or with other vegetables.
  7. Stick to the list. If it isn’t on the list, you must discipline yourself to buy what’s only on your list. Nothing more.
  8. Keep it within my budget. Now everyone is going to have a different budget, depending on how many people you live with. If you can try to keep your expenses to half of your monthly income.

I really hope this helps everyone, in case you needed that extra motivation to save money.

Budget 101

So, in case you missed out, I have been discussing finances, and thinking of ways to reset our relationship with money.

https://threeyellowdaisies.ca/category/finances/

So far, we have discussed, your statement of net worth, what you owe and your money goals.

Today, we are going to discuss budgets. This is going to show us how we are spending our money.

You can begin with how much money you make in a month. For some this may vary, but try your best to estimate as close as you can, or even compare the previous months to get more of an estimate.

Next, focus on your fixed costs, these are costs that don’t change (ex. rent, phone bill, subscriptions, etc.), then focus on your variable costs, which are things that vary from month to month like (gas, groceries, etc.).

Now, you can subtract your monthly bills from your monthly income. Whatever amount is left over is what you can use to pay down your debts, and into your saving account(s), and even your retirement fund.

If you are not happy with the number that is left over, you can use this time to really consider how important your non-essential bills are. Perhaps you have a monthly subscription to something you no longer use. It is time to cut ties with that expense.

Perhaps you still go out for your daily coffee before going to work. Try making one at home instead, and place it in a traveler mug, or just drink it at home until you can buy a traveler mug.

Eating out can be take a huge chunk of money out of your pay cheque, but it’s healthier for you and your wallet to eat at home. You know what exactly you are eating, and there isn’t any hidden salt, or other bad things for you. I know I was scared of going into the grocery store, but perhaps you have a family member or a friend that you can with or you can ask if they can pick up your share.

If you can grow a garden. Or perhaps you can grow one with your close family and friends and you can share what you grow. You can grow a lot of produce and vegetables.

Another suggestion is to engage in No Meat Mondays, because that would be one less meal that contains meat, which is the most expensive things at the grocery. I’m not suggesting you to give up meat entirely, but you might be surprise on the differences it can have your body, and your grocery bill.

And lose that, “But it only costs $5… I’m going to get it.” How many times have you said that in your lifetime? Every 20 times you say that, costs you $100.

Engage and challenge your friends in having one month of no shopping, where you only spend money the bare essentials (rent, hydro, food, transportation to and from work). No leisure shopping! Or you can start small and dedicate a week or two weeks without shopping.

Try going to the library, instead of buying new books. Engage in book swaps with close people. If you read a book of some kind and think, “Wow, I really think my cousin would appreciate this book.” Drop it off on her porch, or send her a recommendation. Perhaps your family and friends can buy an E-Book or an audiobook, depending on what they prefer. Audiobooks are amazing when you have a long commute to work.

You can also swap your clothes with one another, as well.

Feel free to share your ways of cutting down expenses and save money.

Remember your goal should be spending half of your monthly income towards your bills, and try to put 30% of your monthly income towards your debt, and save the remaining 20%.

Ideally everyone should have an emergency fund of $1,000, which takes time to save, but once you do, it is just a comforting feeling. This takes some discipline, so don’t beat yourself up, if you don’t achieve this as fast as you hope.

Although, it might be challenging during these times, but please try to set a bit of money aside, and it doesn’t have to be much right away. But seeing the amount of your savings increasing, it is an amazing feeling. Saving something is much better than saving nothing at all.

Financial Goals


So, first before we start thinking about our financial goals, it’s important to see where and how much debt we have. And I know it’s scary to actually see this number. Once, you get better picture, the easier things will be for us to make these changes in our lives.

In case you missed out on my blog post from two weeks ago, called Statement of Net Work, https://threeyellowdaisies.ca/2020/07/27/statement-of-net-worth/ I began asking you to write down in a journal or in a personal document what you owe and own. If you are stuck, here’s a list of ideas of what to include;

  • Credit cards
  • Overdraft (not the amount available, the amount you owe)
  • Students loans
  • Line of credit
  • Other loans
  • Money you owe family and friends
  • Mortgage(s)

Once you have an understanding of how much you owe, you can then begin working towards paying down your debts.

For some, they might choose to start paying down the one with the highest interest, others may decide on paying their lowest debt, to just get rid of it.

Personally, I feel like it’s best to make payments on the smallest debt first. Because when you start making payments on one debt, you’re building momentum to continue paying off the rest of your debt.

It’s important to continue making payments on your other debts, too. But try to begin setting aside extra money every month for your smaller debt, to help build your momentum.

Once you have decided on which debt you plan on focusing on, you can begin to make goals for yourself with how you are going to set aside your money.

Perhaps your goals, aside from being debt free, are…

  • Build an emergency fund
  • Save up money for a vacation (with family, or significant other)
  • Buy a car

Of course, many of these things are take time, but once you start thinking of these goals, use this as motivation to pay off your debts.

August Goals

I like to dedicate August to resetting. Two of my goals will be resetting my finances and building more structure and routine throughout my days.

I am going to reset my finances by learning not to spend much money, and by paying down my debts, and putting money aside for an emergency fund.

Another one of my goal is make sleep a priority. And one of the ways to do this is by having a routine, that way my mind and body can prepare itself for rest.

Think of a goal you would look to work on this month. And from your big goal, allow yourself to think of small ways to make this goal more manageable. Feel free to write it in the comment sections.

August Preview

This month will be about resetting, and building better habits. I will be discussing routines, how to organize and declutter your house, just to name a few.

I will be keeping everything else the same, such as Music Mondays, Tea Tuesdays, Writing Wednesdays, WWW Wednesdays, Thankful Thursdays, Eckhart Tolle Fridays, and my Daily Decluttering. And now I will be releasing Financial Fridays. Which I am super thrilled to launch.

I am really excited for August because then I will be able to have more of a routine of things. I want to start exercising, practicing yoga and meditating on a daily basis instead of just doing it to relieve stress. So I will be sharing my tips with how to break old habits to make new ones. I will talk about making stronger financial decisions.

I am also planning on writing more stories, and connecting with everyone on a personal basis by commenting on people’s posts. If you have anything you want to ask me or want to reach out to me more privately, you can email me anytime at threeyellowdaisies@outlook.com I will personally reply to your email.

Let’s reset our health and our finances together. May this be the month we all become the best versions of ourselves. And may we also come together.

July Wrap Up

I cannot believe how fast July has came and went. I am thankful for all of the things that I have learned throughout this month. I have learnt to always believe in myself, save money, and being comfortable with having less things.

I have recently quit my full time job to pursue a career in blogging. That was a huge leap of faith for me. I have never quit a job without having a steady job lined up. At the same time I felt like it was best for me to move on. I was at my last time on and off for the past three and half years now. I am so happy to no longer be there anymore. I feel like I was made to be my own boss.

I have working on a budget so we can save more money. I have a long list of goals. My boyfriend and I have been working on a budget together. It has been a lot of fun planning and discussing on ways to save more money.

In case you are new to my blog, I have been starting this new journey about decluttering and going through my things so I only have belongings that truly make me happy. I have been purging my things on and off for the past six years or so. This has been a fun journey, and I have been comfortable living and owning less things.

I am quite happy with all of the things I have learned and I can’t wait for all of the new adventures that August will bring me.

Resolutions Check In

Hey everyone! I made a list of all the goals I hope to achieve for my 27th birthday. Since my 26th birthday was 26 days ago, I thought this would be the perfect day to reflect on my goals.

Here’s a list of my goals…

  1. Exercise, yoga, meditate every day
  2. Read for at least 30 minutes a day
  3. Finish writing my book by my 27th birthday
  4. Volunteer
  5. Turn my passion into a career
  6. Don’t fall behind with medical exams and medical health
  7. Travel to two new places
  8. Read at least 52 books
  9. Journal every night
  10. Purge my things for once and for all
  11. Find a new place to live with my boyfriend
  12. Save $10,000 in a year (with help from my boyfriend)
  13. Try a new recipe once a week
  14. Pay off all of my debt
  15. To keep a day planner and keep up with deadlines and goals
  16. Get up early
  17. Get into the routine of meal prepping again
  18. Go to bed at a decent time
  19. Make a budget and actually stick to it
  20. Have a month no spend on take out or any unnecessary shopping
  21. Give myself something relaxing and rewarding (massage, facial, pedicure and manicure).
  22. Save at least 10% of my earnings
  23. Watch less TV
  24. Donate more to others
  25. Drink more water
  26. Start a new tradition with my boyfriend
  1. Yoga and meditation didn’t happen right away, but it’s slowly becoming a habit. I am feeling much better since I have started my day with those two habits.
  2. This one has been the easiest one to get into the habit of. It has been helping me read a lot of my books.
  3. I haven’t written much of my book, but I have been planning on an idea, and thinking of what can happen next. There is still time to complete this goal.
  4. Unfortunately, because of Covid-19, there isn’t many if any opportunities around, so this is one that I haven’t been able to do.
  5. My absolute goal is to be my own boss and to not have to work for someone by working towards their goal. I would like to become a full time blogger. I am still in the research process of gathering information for myself and trying to think of the next steps to move forward with my goals.
  6. This one is still a work in progress, but I have been heading in the right direction.
  7. Where I am living there are still travelling restrictions, so unfortunately this one will have to wait. But I have decided on wanting to travel to Montreal, Quebec, Canada. I’ll let my boyfriend brainstorm some places we can travel to. Although this year we are focusing on paying off our debts, so we won’t be travelling anywhere too far.
  8. I have been on par with this goal since I have read four books already. My goal is to read one book a week.
  9. To be honest, aside from blogging, I haven’t written in my journal at all. I am going to add this in my bedtime routine.
  10. I have started a new challenge for myself which is to get rid of one item a day. And once I gain more confidence, I can purge even more. Perhaps I can purge more things a day.
  11. My boyfriend and I have discussed that we would like to celebrate my 27th goal in our own place. Although we haven’t narrowed it to a location yet, nor discussed finances or a budget for our new place. That will come in due time.
  12. Saving $10,000 is going to be the most challenging but exciting goal so far. I know that a portion of that will be for our emergency fund, but the remaining portion will be for our travelling fund and new apartment fund — which is really exciting.
  13. I think I may have to modify for trying a new recipe every two weeks.
  14. This way will come in due time. My boyfriend and I are in the process of making and sticking to a budget. So we have been setting aside some money every time to pay down our debts.
  15. At the moment, there isn’t much happening, appointments or anything along those lines at the moment, but I have been picking up with daily and weekly routines.
  16. I am still learning to get up early, although as of lately things are getting easier.
  17. I have been getting back into routine of meal prepping more. I enjoy making crock pot recipes.
  18. I prefer to go to bed early, but some nights my boyfriend works late so some days it’s hard to go to bed at a decent time.
  19. I have been putting in the final touches of our budget.
  20. I was planning on doing this in July. We can still buy food, but we can’t buy any material items or wants.
  21. I haven’t been wanting to go a nail salon right now so I haven’t gotten a chance to spoil myself right now, but my boyfriend has been given me foot rubs. So that’s always nice.
  22. This is one of the goals we have been doing.
  23. Over the weekend, I spent time rearranging our room so now it’s more spacious. That was nice to not spend time watching TV.
  24. I am going to be purging and donating my clothes. I also plan on making donations to others for Christmas.
  25. I have been drinking a lot of tea, instead of water. But I try to do this more, since water is important.
  26. The new tradition with my boyfriend, I am still thinking of something cool to do. So far, I thought we can stock up on our basic necessities (toothbrushes, toothpaste, shampoo, laundry detergent and soaps) for the year in December, instead of having to go out when we’re running out of things. Last December I went a bit crazy with this one sale of shower gels, and I just liked that feeling of being stocked up. I hate running out of things.

Overall, I feel like I am doing a good job with keeping up with resolutions and goals. Some of these have been challenging, other ones are fairly easy. I am proud with all that I have accomplished so far.

Making A List

Before my boyfriend and I went shopping, I made a list of everything that we needed. Although we didn’t exactly follow through with that because we bought more stuff than we originally planned.

I’m not one for waiting for the week before Christmas to finish my shopping I like to plan ahead and complete everything by Thanksgiving. That way I have more money around this time of year and I don’t have to cramped in a store with a lot of people.

It also helps me budget better too.

Today, I will plan ahead and make a list to help me prepare for my future.