random thoughts

Mona – my foster cat, my family, and myself are well. What else do I want?

Wellness is important. I am glad I have health. So do people and creatures important for me.

I had a shitty, quite fragmented, and inefficient work day yesterday. I went to bed thinking, “I want to work!” Thank goodness, today was productive and I feel quite energized again 🙂

I will get my taxes done this weekend and I cannot wait to see how much return I will get. I hope to add up on top of the tax return, and make a mortgage pre-payment 🙂 It excites me – this simple idea of reducing my mortgage. My plan is to pay it off completely in 2 years. I will use some of my investments to pay a chunk of the remaining mortgage at the end of my current term. Since the investments have been losing value, I think this is just the right way to make use of my money.

Once I pay off it all, I will focus on saving cash. My ideal dream is to retire in around 5 years. I am still young and I am getting better each year, but I cannot take the stress, and lack of recognition and appreciation at the work place. The early retirement will not provide me a lot, but if I return to my home country, I can live comfortably with what I have. I wish I did not need to leave Canada – I really like this country and living here. Why is money so restrictive??

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Anyways. Early retirement is not necessarily a bad thing. I can still work and make money. I also feel like I need this, because I feel like I was born for something else. My current profession – I love it, it is meaningful and useful to community and humanity in many ways, yet I feel like I gotta stop it so that I can find my own true gem, I have a feeling that this will be something related to literature.

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Yes, I am talking about writing stories, or novels. My imagination has always been wide and vivid (one of the reasons for or consequences of my anxiety, I think…). Anyways. I really would like to try literary writing and coming up with stories. I have always had a heavy, dark, emotional side in me that knows what suffering is. I also know what struggle, mystery, and victory means. I am such a fighter.. Even though, most of the time, I down-value myself, I have always fought by putting extra energy, effort, and thoughts on my life, and others’ lives. Digging into human psyche and nature, detailed description of human conditions, experiences, and emotions.. These concepts just fire something in me. I am excited 🙂

These being said, until I started to seriously think about early retirement, I must say that I did not have any future plans. None…. It bothered me so much, for so long… A void future is not fun, friends.

Having retirement dream is literally priceless.

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random thoughts

My relationship with food changes time to time. Sometimes I love eating food, sometimes I just go by it. Neither of these explain the extra weight, but it is okay 🙂

Life is alright, folks. I had to take the cab for the first time in 6 months for an appointment. The ridiculous thing is that they let you in only at your appointment time, so I spend 30 min outside with wind sweeping my hair and cleansing my body and soul. I kind of understand why they keep you out till appointment, but then I do not. Call me spoiled.

I have not worked today. There is nothing I can do about this. I think I just need the break. Tomorrow is the shopping day – I am excited about it. I want to buy all the great food and feel grateful. In the last few months I have been eating junk food again, and as a result, I have been spending more money that I normally do. Such times make me forget being grateful for everything I have and all the food I get. So, I am trying once again starting today to cut out the junk food and rather use these funds to purchase awesome food and maybe make some pre-payments.

I have been good saving money until the junk food hysteria started, and in contrast to previous years, I decided to keep the cash in my chequing account. I suspect that the cash will be more important than the investments in near future. So I have not been making mortgage pre-payments, either.

Now, I regret this – pre-payments motivate me to save more. They excite me. Sadly, junk food got the most out of it. Perhaps time that I start making pre-payments and see how it goes.

Financial report 2019

It looks like it has been a great year.

I could save mostly in the second half of the year and boy, was it good 🙂

  • My net worth increased around $62,000 in the last year. More than half of it is my investments and the return; as the markets have been doing good lately, this is reflected as a good increase in my overall net worth. Great 🙂
  • I did not pay any mortgage pre-payments and it shows: I paid only $16,000 off my mortgage year. This feels very little, but nevertheless I am grateful for it 🙂
  • My chequing account has increased to a healthy sum that I had aimed for; it feels amazing as I was hardly able to reach such a goal before. Amazing.. 🙂
  • This being said; right after these calculations I put an order for my first pre-payment in the amount of $5,000 🙂 It will be in effect next week. This way, I will enter 2020 with less than 110K debt. Thank you. Thank you. Thank you 🙂

I do not know you but we have less CPP contributions starting summers, so the winter means we get less of a salary and as a result, our savings are much less during the first half of the year. As also the power bill gets higher during winter, this translates into small accumulations. Kind of discouraging, but here is my plan which I hope will help me do well:

Continue the following practices:

  • taking the bus or walking, rather than taking the cab
  • continuing to take advantage of loyalty cards and occasional coupons
  • stocking up dry food and cleaning products when they are on sale
  • continuing to shop from thrift stores, especially clothes, trousers, house items, flower pots, and books
  • contributing the tax return, coupon and loyalty card savings, and anything else that comes extra or by luck to make a pre-mortgage payment. I am still not sure whether I will do these payments as I go, or at the end of the year.

My plan for the next year is to contribute $19,000 to RRSP/TFSA and save $5,000 as pre-payment, and have my chequing account increase by $5,000.

Wish me luck 🙂

 

 

 

 

Life-related objectives following a vacation

I just returned back from a family visit – it was great!

I found a chance to see my family and friends, and I have had a great time. Food, conversations, and visited places were all awesome. I am glad I have done this trip!

I also found a chance to stay away from work, especially in the last half of the vacation. I did not access and respond to emails, which was a blessing! I like this improvement in my approach to work.

My work-induced stress levels were down to zero as soon as I stepped on the plane. I still feel positive and relax. I hope to be able to respond to work related feelings and pressures better. I want to convince myself that I can do this.

One of the best things about having a break from the routine and engage in activities and thoughts that are different than what I usually have (mostly work related issues) is that it is a good opportunity to formulate new plans to remove the negativity of the past activities and have a chance to improve things that do not go so well. Today is a good day to do these:

Aims related to personal life:

1. Going back to frugal and abundant life-style.

I have been quite successful with this a couple of years back and then I broke it with junk food and can-fare expenses… I want to go back to that as of today.

My specific aims are:

  • to spend no more than 100 bucks a week on grocery and other needs (cleaning products, personal care products, etc.). This does not include medication and health-care related expenses (e.g. physiotherapy)
  • to utilize what I already have (dried food, frozen food, etc) to reduce my food cost, while not sacrificing from healthy and diverse food
  • to have another shopping freeze for flower pots, shoes/clothes, books (occasional ones are okay) and furniture
  • to keep all other frugal activities I already have (e.g. use of coupons/discounts, points, etc.) to maximize the value of my money
  • not to make any pre-payments unless an unexpected sum of money finds my way. This is to ensure that my chequing account will remain at a healthy level. I feel quite strongly about this because when it dips, first I pay extra money to the bank each month, and second, it makes me feel like I am in a financial crisis – not a great feeling
  • to eat the food that I have in the freezer and pantry (I have a lot of dried legumes/beans/rice that are waiting to be enjoyed)
  • to save around 7K bucks till December
  • to make a prepayment in December with the money I will save till then while also keeping around 5K in my chequeing account. This is an ambitious but doable aim. I feel like this will give me the best motivation to move forward and keep my frugal spending habits.

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2. Having a healthier body and weight

I have gained quite a bit of weight this year and its negative effects on my health were noticeable during my vacation: my feet ached a lot, my back gave me trouble (twice I have had my back pain/sciatica – they were minor compared to last year, but still I did not like having two episodes in a short time…).

I am aware of two reasons as to why I have gained weight this year: I did not walk as much as I did in the past years (I used to walk from office everyday – rain or shine) and I ate quite unhealthy food (pizzas and prepared food…). I still have two boxes of frozen pizza and some frozen, pre-made dinners in my freezer. I will consume them as well but with the understanding that my priority will be not to purchase them anymore so that I can eat better.

Thus, my specific aims are:

  • not to buy any pizzas or other prepared meals
  • to eat at least 6 different food (veggies, fruits, or dried food) every week
  • to cook meals at least 3 nights a week (I often consume them in two-three days)
  • to eat apples everyday at the office and to continue to eat carrots and radishes that I love so much (for some reason, these veggies made me feel much better and help me lose weight at the same time)
  • whenever feasible, to walk in the morning to office and in the afternoon from the office (this will help me feel great, lose weight, and also save from the transportation – win-win situation!)
  • to shop at the farmers’ market to have fresh local and affordable food
  • to keep take my calcium supplements and drink milk to keep my bones healthy
  • to re-start doing my back exercises to help strengthen my abs and my back muscles
  • to do light weight-lifting at home to keep my muscles and my bones healthy and strong

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3. Heaving a healthier mind and higher quality of life

I wish not to have stress and anxiety to my best anymore…. Work-related stress, sleep problems, and problems related to relations with the colleagues have hit the ceiling last couple of years… I am better at managing my anxiety by means of the worry journal exercise. But in terms of stress management I have not been much successful.

Hence, my specific aims are:

  • to walk everyday, to eat a healthier diet, and to exercise whenever I can find a chance to provide myself a healthier, nourishing way of life
  • to rest everyday. This I noticed is quite important for my stress levels. Whenever I am tired, I noticed I feel more pressurized and over-react as a result
  • to not access the emails in the evenings and the weekends, unless I have a good reason to do so
  • to take things a little bit lighter and not to react to problems when I am anxious or panicky
  • to trust the life and people around me a little bit more
  • to stop thinking that I am the only person who can do things well and on time. This is one of the main reasons that I feel resentment towards people I work with. Often times I have a good reason to think that the work is not done well and corrections/my involvement is needed. However, this also makes me over-work and over-stressed… Perhaps it is time to lower my standards without harming the quality of the work. I can also take it easy with relations. I can be more tolerant and less assuming… (wish me luck with this one. It is hard…. but I must do this)
  • to make it priority to feel calm at the office
  • to feel confident that I have solved many issues in the past and I can do so now and in the future as well. I must remind myself this everyday, especially when I face of an issue
  • to integrate a new walking route or an activity in my life over time – whether this would be going to theaters/shows, visiting a cafe on a Saturday morning, or reading about an entirely new topic does not matter. Something useful and enjoyable!
  • to continue to read my daily affirmations first thing in the morning to set my intentions for the day for the better

For example:

I am calm and can take care of any of the work-related issues easily

I am confident and successful

I have great work-relationships with everyone I see today

I am known by my high quality and meticulous work and I am respected for these

I am kind to everyone I meet today, especially, myself

I have time to do my work

Today has all the opportunities and beauties I may need

I welcome and appreciate the opportunities life can offer me

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Have a great Sunday everyone!

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all the good things – check

  • feeling better overall – check

yesterday I was feeling uneasy again, but today has been a relatively better day – I will appreciate this!

  • eating a home made dish with lots of healthy veggies, yogurt, and garlic – check
  • meeting with an ex-team member of mine and having a great chat and doing some work together – check!

this gave me extra boost! She is a very intelligent and genuine person and talking to her again and learning about her wellness and successful endeavors were a bliss! It made me literally happy 🙂

  • taking the bus on the way back from the office – check

I was lucky – the bus was waiting right in front of the building and I catched it – that saved me around 8 bucks from cab fare today 🙂

  • feeling bored and then doing some work after 5pm – check

I have a busy next week and I just got an additional tasks right this evening. I decided to start it so that I can make my weekend and next week a little bit easier. I am glad I have. I feel good and less stressed and time-crunched now 🙂

  • eating two juicy clementines that were delicious – check
  • drinking fresh kefir – check

I feel so much better when I drink kefir. I feel lucky to have these grains. They work so consistently!

  • seeing two seeds germinating in the yard – check

I planted them last weekend. It was a slightly rainy week, which I guess helped. I am looking forward to seeing more coming up.

Plants are my new hobby! I shared three succulents with my friends and everyday coming home and checking how they are doing is an incredibly exciting experience. The cacti seeds I planted last weekend do not have much of an activity. sadly sun is low this week, which may be affecting their germination. I will see how this saga will go on – let’s cross the finger 🙂

  • having plans for the weekend – check

I need to work, but this is okay. I also would like to go for shopping and get new pots for succulents. I also would like to get additional pots for my yard to plant seeds. I have herb as well as flower seeds to grow and I am very excited about these 🙂 I bought two big bags of soil a few days back, which was easy to do with the help of my shopping cart. I can go get two more this weekend. I want to plant potato in totes!! I have seen it in the internet and I am curious 🙂 I will try 3-4 bags of them and see how this goes 🙂

  • walking in the morning for 10-15 minutes – check

I am not walking lately. knowing what a healthy activity it is, I welcome this opportunity

  • enjoying the show I am watching – check
  • doing my back exercises – check
  • realizing that I have around 300 bucks accumulated for my next mortgage pre-payment – multi check!

I may not be able to save my money as much as I wish, but I keep saving from here and there a little sum that will help improve reducing my mortgage on the long run. I am excited about these and now I am motivated again to stop taking the cab and use that money to increase my pre-payment. I hope to catch the bus tomorrow morning – wish me luck!

 

 

 

 

a proud moment

After almost 2 months of senseless spending and lack of frugality in my life, today I made a pre-payment for my mortgage (only $404, but better than nothing, is it not?). I saved this money by my humble daily savings in the last 2 months. I am feeling extremely happy, proud, and excited about this 🙂 

Sometimes planning is not good enough and one must take steps to move. This was an important step that I hope will help me come back to my frugal self.

I plan to pay another $6,600 till the end of December. This will mean that I will have paid an extra ~10K as pre-payment this year. Of course I still need to make these payments…. So before I get excited for no real reason, I must keep my eye on this prize and find the motivation that I so much needed to move even more forward 🙂

weekly budget check

It is a great day my friends; I made a lump sum payment today that I have been saving money for since the new year! I am so happy that I could make it, that I could save money, and that I did not need to use the line of credit to pay it off. I am quite proud of myself! 🙂

This means my chequing account is back to a level that I must keep an eye on and make sure that it increases every time I get my pay cheque. My plan is to keep going like this till December and then make a lump sum pre-payment to mortgage. I am hoping this will be around 4K or something. It is such a pleasure and joy to be able to have such an effective budget, reduced spending, great savings, and ability to feel abundant and not poor(!). I am so happy with these right now.

As per my weekly budget check; in short I have had regular expenses (such as for grocery), bought two blouses from the thrift store, and purchased some medications within the last week, but my expenses were still within my limits and all work out really well.

I have $1,320 accumulated in my fun funds, which I plan to use for a short vacation sometime in October (yay!).

During summer months my salary increases because I guess the CPP payments are done till then and that means there are more money left in my pay cheque. This is a pretty nice sum for me, which always excite me. Together with that extra money, my aim is to save at least $650 from my biweekly salary till December. This money is what I want to use primarily for my pre-payment in December.

This being said, I put a pre-payment order today for next week in the amount of $350. I saved this money in the last 4 weeks by lucky encounters (such as expenses at socials that I did not have to pay for others), having breakfast at home rather than at a cafe, savings from discounts etc. This is the highest amount (other than my tax return) that I put in as a pre-payment this year – this excites me 🙂

I am excited. I am happy. I am proud. I have a budget that works wonders for me, financial aims that excite me and I keep working towards, a simple life-style that makes me happy, relaxed, and abundant, and a great job that pays me good enough so that I can do all the savings, necessary expenses, mortgage payments, and investments for my future.

I  am very grateful.

🙂

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