First off, I find that I usually have enough g for the
Vault by the time I'm still waiting for Summer 1 Year 2 to get the Red Cabbage Seeds from Pierre for the accursed
Dye Bundle. Check the Traveling Cart Lady as often as possible in case she sells them, though my luck has been poor. OK mostly because my remembering to check every Fri and Sun is
very poor. Like you, I usually plan to pay for the Vault last as that g can go somewhere else but also consider that the top 2 Vault Bundles give nice reward items, as well as access to the Bus and its destination when completed, which gives you 2 very easy items to donate to the Exotic Foraging Bundle. But you already have that one.
I'm thinking you may have chosen the Mushroom cave to get that taken care of, which makes the
Artisan Bundle more annoying. Getting one or two of each Barn and Coop Animal will get that and the
Animal Bundle covered and get you started on the Chef's Bundle for:
The
Bulletin Board. Tap one of each Tree for the 3 Items you'll need. A KEY thing I always miss is to have a look at what Flowers I need for the various bundles because they are so seasonal. Also if you have the Mushroom Cave, Plant Apple and Pomegranate trees ASAP. The Nautilus Shell is easily missed as it's a Winter Beach item. The
Dye and
Enchanter's Bundles require high

with Animals but you've already started that above. Keep petting them daily and feeding them on Grass outside if you can.