I was reading through other Blogger’s New Year resolution posts and feeling like a loser. I had no inspiration. How can I make 2013 better? How can I make myself better?

I don’t need to lose weight; I just started a great new job 4 months ago; blessed to have great friends and family. So what should i resolve? Cook more? Bake more? Craft more? Please…. why set myself up for failure.

But then I read the Daily Post challenge:

“Tell us about the three things you’d most like to change about your life, and make a bold, I-don’t-care-who-knows-it-because-there’s-a-meteor-a-comin’ assertion to the world that you are going to get these changes made. And that you’ll have at least started making them happen by March. When, erm, you’re probably going to wind up as dust.”

So here goes!  if I’m threatened by the thoughts of meteors coming, these would be my three resolutions.

1) Freedom 45. I would like to be mortgage free by the age of 45. And so in the next 3 months I need to set a proper plan and payment schedule to make this happen.

2) Enjoy the outdoors. I live in a wonderful part of Toronto, and yet I don’t take enough advantage of the beauty all around me. Time to bundle up and get outside!

3) More “Quality Time” with my gorgeous husband (if you know what i mean).

So dear readers, I’m hoping you will hold me to my goals. Will check in at the end of March to let you know how I did.

Until then… from my family to yours. HAPPY NEW YEAR!!!!


Shweta’s Secret Stash

Like many other couples out there one of the first things that my husband and I did when we got married was set up joint accounts. Joint bank accounts, joint credit card, joint line of credit. In theory this is a great idea, we have all of our income go into a shared account, and our expenses also come out of this account.

One of the benefits of this has been that he and I feel a greater sense of accountability to spend our money wisely, since it is no longer mine or his.. the money is now OURS.

In theory this was a good idea but in hindsight I wish i had insisted on having joint AND separate accounts. Why? Because my husband works for one of the big banks and checks our account statuses on a daily basis. So annoying! So, what happens if I want to buy him a birthday present? If I use a credit card or debit card he will see the transaction almost immediately. What if I want to splurge and buy myself something frivolous? Again.. he knows almost instantaneously. I’ve spoken to my husband about having one joint account and each of us having an individual account for personal expenses, but he stubbornly refuses to listen to reason. He doesn’t see why we should have anything private from the other.

I’m sure that I’m not the only person in this predicament, and I am here to let you know I have found a sneaky solution!

Secret Stash

Secret Stash of Cash

I call it my “Secret Stash of Cash!”. Yes, it’s true. I’ve become one of THOSE women who squirrels away extra change, and money from lunch and hides it under the mattress (not really the mattress. Don’t go looking there husband!). Now, my secret stash isn’t really that secret, because my husband and family know I have it, but the amount of money in it, and its location are only known to me!

Last year I went on a girls trip to Montreal, and thanks to my Secret Stash of Cash, I did some fun guilt free shopping including some jeans from Parasuco and a blouse from Jacob. Extra bonus is that when I want to buy my husband a gift, I pay cash, and that way it remains a true surprise!

Remember my wish for redsoled shoes? Who knows, maybe I will save enough for those one day to place beside my magical Gucci booties. And trust me there will be a blog post created immediately!!!

So ladies and gentleman. If you don’t already have your own bank account… set up a secret stash of cash.

Why? Because Shwetasays that every woman & man deserves guilt free shopping!

What do you think? Sneaky or Smart? Any other ideas out there? Share!!