November Goals

I really hope this is an amazing month. I want to make myself really proud of what I want to happen in this month. I would like to keep on striving for my goals.

I would like to keep writing and spend more time writing good stories. I know, I have said this before, but one of my biggest goals I have for myself is to write this amazing story, and get published. I am not expecting that to happen this month, but if I keep on practicing, I can make it happen. Big goals take time.

I want to keep on reading many books this month. My goal is to read five books by the time it’s December. If I read more than five, than that would be amazing.

I would like to see if I can eliminate fast food for 30 days. Well, I guess until December 6th, since I had take out earlier. This will be healthy for my health, and my wallet.

Another goal I want to have is be more cautious with spending. My goal is to save more money this month. I know my boyfriend and I are capable are setting aside more money.

What are some of your goals for the month? I would love to hear about them in the comments. 🙂

Thankful Thursday #18

I am so proud that I have been reflecting on what I am grateful for, for the past four and half months now. I am so happy.

I encourage everyone to think about what you are thankful for.

Here is a list of things that I am grateful for.

  1. I got to go to the library and pick up my library books.
  2. My boyfriend and I have discussed ways that we can save up more money.
  3. I have spending more time reading my books.
  4. My boyfriend and I splurged and got some tea, which is delicious as always.
  5. I got to help my sister, by watching my niece because my sister got called in for work. It was a fun watching her. She was good as always.
She normally would put her feet on her foot rest, but she decided to rest her foot on my leg. Awe! 🙂 ❤

What are you thankful for this week?

Finances – Shopping Ban

In case, you are a big spender, perhaps this is a tip for you!

I suggest having a month where you don’t spend money on any non-essential items. Perhaps you can have three months throughout the year where you partake in your shopping bans. If you are a beginner, I would suggest that you spread them out by having throughout the year.

Whenever you see something like a new dress, or a perfume, or new makeup, or take out, or whatever sparks your eye. Write down the item and the price in a notebook, or in a document either on your phone or computer. At the end of your shopping ban, calculate how much money you would have spent. The point is you would see how much you would have spent, if it wasn’t for this shopping spree.

You should be proud of how much money you have saved. And this not only helps with getting ahead of your finances, but you are also bringing in less new items in your house, too. And that’s a good thing.

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.

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.

Statement of Net Worth

Hi there! As promised in my July Preview, I did say I would plan on discussing finances.

Finances can be complicated for some people, and that’s okay, because there is a lot of resources that can you further understand the terminology, and discover ways to save more money.

Finances is definitely the top three things that most couples argue about the majority of the time. But just know that everything has a solution.

To understand your net worth, you must do some calculations.

Step 1. Calculate what you own

This includes;

Cash in your bank account(s)
RRSPs, or a 401K
Value of your house
And or any other property you may own
Book value of your car

Add everything up to get a total of what you own

Step 2. Calculate what you own

This includes;

Credit cards
Line of credit
Student loans
Vechile loans
Any other loans
Overdraft accounts
Money you owe to family and friends
Mortgage(s)

Add everything up to get a total of what you owe.

3. Add the two categories up

So say for example you own $5,000, and what you owe $3,600, your net worth is $1400.

5000 – 3600 = 1,400

If you ended up with a positive number, that means you own more than you owe. If you ended up with a negative number, it means that you owe more than you own. And that’s okay, because there are ways to cut back on debt. And please know that things can always get better from here. Do not fret, instead start paying off your debt.

30 Days In

I am starting to feel the joy with slowly getting rid of things that no longer add any joy in my life. It is very freeing.

Although one of the saddest realization is that these items used to be money, and I spent on things that I thought would make me happy. But now that I am getting rid of them, I realized that in the end I wasn’t happy with that purchase. These things could have bought me a weekend getaway with my boyfriend. I learned that we don’t just spend things with money, but the hours of our lives. Before I buy something, I ask myself is this item really worth an x number of hours of life? If not, I don’t buy it. If it is, I ponder it over. I must not make any impulsive decisions about my spending habits.

Now that I am slowly removing the things that no longer sparks joy for me. I am starting to realize that I never want to go shopping for new clothes, at least not for a long time. I am happy just owning things that make me happy. I don’t have chase the “next best thing”. I don’t mind that I don’t have the latest phone, or the latest purse, or shoes, or anything else. I am happy with my “old and boring” brands of things.

I am starting to be more happy with everything I own. It helps me keep my house clean. Learning to be less, makes things less stressful, and easier to clean.

If you are starting your journey, feel free to share your journey in the comments below.

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.

26 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