The (low) Bikini edit

Hi lovelies,

I hope you all well and may be ready for the summer as the pademic periode was so long and might be not over yet. We are planning to go for a holiday despite so many people say us you are so crazy, but I am really stress out and fed up with the whole situation now. Yeah you might say, how she can go for a holiday if she is earning pretty badly: I have saved up for it since last year, I am tracking my spending so much and try to be frugal in a lot of way… and of course I have a husband, whose job did not effected on. Still I think I need to break out of this tepid situation and it might will help to improve my personal life goal, which I am also struggeling for nearly a year now. Unfortunatelly both my career and personal life has stranded so far. Yeah you can ask: why do not you find a new job? Since last August I was subordinated it to my personal goals, as the pademic appeared I tried to move on,but no luck and it made me to be more depressed, which affects on my body evenmore…

So back to the bikini business now, so I am not the kind of bikini person girl I love to get tanned without tanlines, so we always search for nude beaches or just to be able to get topless, but fortunatelly it is not always possible, so I have to keep a few swimsuit too. I wanted to buy a sustainable bikini, but it is a way too expensive, so I have decided to keep my oldies and buy a new from Calzedonia, which was in my June low buy haul.

  • Grey swimsuit with chains on the side from Oysho (2years)
  • Black triangle top with a v-cut and the tie-side brazilian Calzedonia
  • Blue-white striped Calzedonia
  • Yellow Calzedonia

I have left two black bottoms as when I am so pale I feel really uncomfortable in lighter colors. All the bottoms are brazilians if you have not tried them you should I am a fan of them for 8 years and they are the most comfy ones if you do not want more coverage.

I was thinking how many bikinis do I need for a summer holiday? I would say I do not need them at all, but people are more sexualized and not so open-minded so I need a few: 1-2 maybe. So I made a decision to keep my swimsuit as if we go to a Spa or Bath during the colder months, so I will not take it to a summer holiday at all. The black bikini is essential and to have at least an other. To tell you the truth I hate the stripped one’s top, but it was only 2 years so I have kept.

xoxo,

April low buy haul

Hi lovelies,

This is the end of an other month, a month when we were mostly locked down so we sent our money on a totally different way: more food and vitamins as we were at home a lot and had time to cook, also due to the Covid19 I had to focus on saving more money for the upcoming 3 months as my salary will be like 50% lower, which is pretty hard to every hospitality worker, but at least I have a job. Firstly I was pretty stressed out of the situation, but now I just let it go by settling a daily routine for myself and investing into my self by studying languages, hotel training (kind of boring so-so), sustainable fashion and business course.

So I was pretty much on the track, only sent 36% of my income on needs instead of the 50%, put 27% on saving account, but I can take even more on that, only send 9,9% on wants:).

Concerning to my wants I was sent some money on my husband’s Nicorette patches, because finally he started to quit smoking:), that is one thing that I am more than happy to support him. We have bought a couple of outdoor plants to the balconies- even more becoming a plant parent…

Skincare: new N.A.E. bio micellar water, I will see how is it work as I have not tired yet…

Makeup: I used to had this is black, now I was repurchased it in brown: the cheap favourite Trend it up No. 1 mascara

As I sent more time at home I realized I need a better mat than polifoam, so I was invest in a Manduka Yoga Mat, which due to arrive next till Tuesday.

So I was pretty much on a low buy side, of course I was looking for some sales or coupons online, but they was not on time at all (strictly according to my wishlist) and I wanted to buy a Sezane Gaspard cardigan secondhand and I constantly wrote to several people on Facebook Market place or Depop and noone answers???! that is crazy. I might need to try on Vestiare Collective, but sometimes people want to sell it for on an even higher than its new retail price,which is also crazy. I need to look for so more whites too.

Xoxo,

March Low Buy Haul

Hi lovelies,

March here, which means that it is my third #lowbuy check and haul of 2020.

If you remember I have over spend a bit in February, but I do not mind I had to happend to be able to draw my attention and focus on my goals more. In this month I made an investment: I am going on a course to become an official TOUR GUIDE, so I have paid in once the fee of this license course, which will end in August/September. I know this business situation is not the best now, but I am positive and hoping the best as soon as possible.

This month , as we had to sent at home most of our time, I was deeply into my declutter and tide up serie, so I rather focused on items that I have already have and items that I can sell and of course I have listed a long (and expensive) home wishlist, which I will introduce you soon too.

So what about my budgeting?

Needs (50%) – as Covid-19 appeared in Hungary, most of the people went to shopping, which I wanted to be smart, but I am also stocking up a bit, so I send 17% more than I was budgeted as I had to cook a way much more than previously to avoid my husband going to stores and restaurants while he is working. Even if I am those lucky ones still having a job, we have losen most of our benefits which a hotel can offer…

Savings (20%) – so again my saving was lower, only 35% than what it should be as I had to make an investment in myself as it is above mentioned.

Wants (30%) – as the above mentioned things had happened I only sent 15% of my planned budget, just thrifted a jeans at Promod in the beginning of the  month: it is a mom jeans style in a light blue wash, called Marcel. Did purchased some macrame yarn to be able to make some plant holders. We have bought an air moisturizer too. (Halfly from gift card).

 

 

 

 

How Covid19 effect our life

Hi lovelies,

You might think you are young and strong it will not effect on you, but I think if you live in Europe or in America now it is time to stay home (if you can). Before you read, you ought to know that I am not a virologist, neither working in healthcare just an economist, who works as a Hotel Concierge. Since January it is our everyday life: meeting, smiling and greeting people from all over the World, while we are so anxious and worry about our health and work. We must not wear gloves, neither masks, write or post about it…

So what you can do?

  1. Please follow the suggestions of WHO and your own government!
  2. Take care of your personal hygienic
  3. Do not understate or joke on other people’s fear.
  4. If you are the one of those lucky ones, try to work from home. Even if I used to work from home last year a lot, now we cannot. In the last year in tourism we had lack of employees, so we tried to focus on the in-house guests and the last minute email requests, so I had to take home the rest and answer them during my free time, now we do not have anything to do…
  5. Avoid contact with other people as much as you can, only go to grocery if it is really needed, do not use public transportation.
  6. Help the elders around you, but in the meanwhile try to contact them less.
  7. Try to consume less.
  8. Plan your life at home- you have plenty of to do…
  9. To save millions of jobs and the economy, please do not cancel, rather postpone, modify or accept gift cards for your future holidays.
  10. Try to think of yourself, your lifestyle and change. You might be going to be a better person when it ends.

About Hospitality

Yeah we are again in a big crisis: in the end of the 2000s we had a similar issue that no one had the money to travel, then everything changed even people, who have never ever been a part of the global tourism started to travel and without experiences they had totally changed this industry. Their style and demand was totally different which we used to had, so we have adapted. We have adapted to a strange, self-focused world, where people (especially younger generations) did not evaluate others, where most of people wanted everything (nearly) free and went through on everyone else to aim their goals without thinking the emotional part.

So what I really want to ask:

Learn to appreciate the luxury of personal services. We are not human robots, also human beings, try to complaint less for trifles. Learn to smile, be kind and say thank you for a shop assistant, waiters, call centres etc.

Please appreciate what you already have and be more sustainable, try to buy less.

Discover you close family: talk, play games and if you have kids study together.

In the future think before you write review, it might hurt someone and they would had been solve it without the public. Do you leave a negative review, just because you wish to kicks? Let me explain what I mean: most of the service related negative comments are coming from offended humans, who do not write the whole story. This is an example: he was smoking in the room, while the hotel is strictly non-smoking and had several alarms from the room, so firstly he got a message „please avoid smoking in the room, next time we will charge 250 EUR penalty” next time reception calls him, he did not understand, furthermore he menaces the receptionist. At check-out he has to pay, of course he complaint, manager agree with the staff, he pas the penalty. Next morning, he writes on TripAdvisor saying the staff and the manager was rude, unprofessional and overcharged me…

Restudy skills: reading to the able to understand the terms and conditions, some finance: what is an authorization, what is advanced purchase etc. But you can study new things as well, learn languages or just read anything, handwork or just follow my cleaning routine.

For „influencers” please do not ask for free stays, you are totally degrading the service of other people. You might do not understand it, but I have never ever meet any influencer paying for an extra service of the hotel, where they stay for free: upgrade, extra meal or concierge services, but you do constantly asking for the Marketing Managers, who will ask the rest of the staff do the things for free: no commissions, no service charge and of course no tip. I know you do not understand what I mean, because you think you know everything from Google, you do not have the social background to know who is who in a hotel, that is why you do not even know that the real influencers just the locals right behind the desks, who suggests the personalised restaurants and programs for the tourists.

I do pray for a better World and so thankful for anyone works in healthcare or police  nowadays. I wish I could say at home for a few weeks too.

xoxo,

February Low Buy Haul

Hi lovelies,

So second month has been passed in 2020, so that means an other haul. But let’s start with the budgeting:

February was just a month to be finally over. I am nearly on a zero leftover now, as we had so many expenses this month, some of them was planed, others aren’t.

So we have bought our very first TV and my husband wanted a voice bar so bad for his birthday so that was his gift. I think we did send a lot of gifts for friends (dispute the budgeting) as we had 5 birthdays and a farewell party this month. I must not forget that my income was 35% lower than in January. I got sick and we had the opportunity to invest in a half pig, which would cover a lot of meats we actually eat so now it is an expense, but in a long term that was an investment…

Savings: only 34 %, but if I add that saved a bit more in January it convers to 51% of the planned one, so I will try to manage it next month somehow

Needs: Sent 16% more on my needs as it should had been…

Wants:

This month I have not bought any makeup or skincare as I am hardly trying to use them up. I went to my hairdresser as a treatment this month, which I only do like every 4 months. I had a few birtdays in this month, so did  purchased some gifts to my husband and to my parents- but these are counted to the need file. I also had to buy a new makeup counter and paper organizers as we have finally finished our glass wall and the oldies was not fitted in… + I had to clean a lot in the house so decluttered a lot too.

What I have purchased for myself:

Kazar shoe- for a while I was looking for a perfect pump, but all of the high-heels was so uncomfortable, and now I have found the perfect one with a blocked heel: elegant, comfy and easy to walk, made of a 100% leather- of course it is not the cheapest from a Polish brand, Kazar -BARI- shop it here.

Everlane– This sustainable brand, which I am eyeing on… it was coming in a paper packaging:

I wanted to upgrde my basics, these are their Basic Cotton Crew in S size and Oversized Alpaca Crew in Almond – S size.

So that is what I have decluttered in the middle of the month:

Expired Make up: Bobbi Brown Bronzer, Nars Orgasm Blush, The Balm Mary Luminizer, MAC Ruby Woo lipstick, ABH brow pomade were all so great and saved several decluttering, but some of them were over 5 years…

Then I had a looking to my jewellery box and found some never gonna use items which I was gifted to a thrift store.

Used up two parfumes and my Estee Lauder coral sun lippie.

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On the wants I have sent 102% more than I would had been…. so failed.

xoxo and see you in March!

My financial habits- Savings

Hi lovelies,

I just want to update a few things on my budgeting in 2020 for you. I hope it will be a nice guideline and going to help you a bit. Usually I am writing about hauls, spending; make up, fashion and skincare. Yeah in a way I love to shop, but in 2020 I decided to buy less things , I cannot say it is a totally no buy year, because I know I have to update my closet in quality and we need still need some furniture to our flat.

I was always in the know of the financial independence, so even during college I was saving for my future flat in a fund, after graduation I did opened another one, so last year when we bought our flat we only had to get a loan for less than the 50% of the price of our flat.

As you have might read that I am considering at least 20% of my salary into savings, but it does not means that I have to spend all the rest of 80% monthly, like you can see it in my January Haul.  So now I try to make some funds and later on I will try to do some investments too, so this is my frugal side:

  1. Retirement fund: I have been started to pay it 5 years ago, so this June I will have the opportunity to decide on if I am keep investing it or do I want to have it paid out, I think I am going to keep the money in and pay my ca. 35 EUR / month in.
  2. Health fund: is also monthly collected, but I do have the opportunity to ask for bills after medicines, comfort shoes, private doctor etch. These 2 are having a tax back refund option.
  3. Emergency fund: that is one of the most important to build up and now my focus on it and I think I will built it to my 2 000 EUR goal by July.
  4. Holiday Fund: is a short term fund, where we do pay so EUR-s each month, because even we do have a lot of things to still buy to our flat and to pay back or loan but we do want to have some experiences, at least once in a year now.
  5. Flat Fund: it is everything we wish to have in our flat,now our glass wall was on project, next is a TV screen (maybe Netflix, but no cable) and furniture to our living room (we only have an old coach). Later on we do want to have it as a fund to pay back our debt. Of course we will need to buy another flat or house, now our flat would be suitable for 3 persons only, maybe 4 if the 2 are little kids…
  6. Investment Fund: Yeah it is not existing yet, but I am on the way of thinking that after reaching my 2 000 EUR Emergency fund goal, I am going to slow down a bit in it to built it to 3 000 EUR (it will be only a plan by the end of 2021) so it will have a bit of money to start an investment fund in a year.

Of course I am collecting the coins like last year, so many it will be enough for the next year Charity Bal too. We might need to save up for a new car so never knows…

Here is a good example for the US (I do not have credit cards, student and car loan):

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If you wish to start I do suggest to first save up for a 1 000 EUR or USD as a base emergency fund and then start paying your debts off. Try to avoid negative credits on your credit card, personal loan or by items on a loan!

I hope it was helpful, how are you doing your financials?

Xoxo,

 

January Low Buy Haul

Hi lovelies,

I hope you are well, one month has been passed from 2020 and  I am proudly presenting my first low buy update.

Budgeting:

Thankfully my overall salary was more than I was written as a minimal monthly salary, so I have saved 22,17% of it.

The needs (50% of salary) category I was rethought and here is what I put into it:

  • Utilities: Gas, Water, Electricity, Common cost, internet, bank and mobile.
  • Raw materials of food: these are everything which I have purchased at grocery stores to eat and cook from.
  • Food that I have spent in our work buffet (the prices are pretty low, sometimes even lower than making for home sandwich)
  • Public transportation monthly pass: I live in a big city so I need to have it during the winter, as it is too cold for cycling, but any taxi, excursion or car sharing goes to my wants category.
  • I have not purchased any house cleaning, neither basic hygiene products this month.

So it took my 32% of the salary.

Wants is the most requested area, so these are my monthly rules for the year:

  1. One fresh beauty products per month! Try to pan!
  2. One in and one out skin care, body and haircare products.
  3. One new addition to my closet per month: including clothes + maximum 6  shoes and accessories!
  4. Magazines and books: books I must not buy until of 6 will be read from my bookshelf, while magazines I will strict to one per month.
  5. Gift cards and gifts are exceptions- finally I will have a wishlist for my birthday and nameday.
  6. Only one treatment is allowed per month: beauty salon, massage, hairdresser etc.
  7. Keep a no buy day per week.
  8. Do decluttering per seasons.

My fresh beauty products of the month- AKA my haul of January, 2020:

Skin care product: FARMACY- Dew It All Eyecream. So technically I was paid and ordered it in December, 2019 but it is just arrived in the middle of January, so I decided to rather take it into this haul. This is a product, which Youtube made me to buying same aspect: Niki Sky(Canadian Luxury Youtuber) ,where she was mentioning that she struggles with dark under eye and she is just a few years older than me, so also has same issue with the first sign of aging. In the other hand I was looking for an eyecream for so long, which is CF, Mineral oil, parabens, fragrance free… So far it looks it is great and works much more well than my previous one…

Makeup: Becca – Under Eye Brightening Corrector. Same issue: my under eye, I used to love that concealer for it and as a eyeshadow base, I was decided to put it to my basket at Cultbeauty during the sales so it is just arrived too. And yeah how I could have forgot it? 12/1

Accessories: Furla Glasses. It is really hard to categorize whether it is a need or a want… I need to have a glass, because I am suffering from near-sightedness and I was choosing with ZEISS DuraVision BlueProtect lens as I am working with computers all the time, but of course you can buy much cheaper glasses. OK, I decided to choose by the style, how it is fits instead of the price. And thankfully it was on my employee’s discount and I can give and account to my private health fund, which gives a 20% tax refund. 6/1

Clothes: I did not buy any Yeah… but swap a pulover with 2 dresses 12/0

Magazines: I just bought one, which is two as Elle and Marie Claire was packed together (January- February issue) for the price of one Elle. 12/1

Treatment: face cleansing treatment with Hévíz Mud 12/1

I have decluttered with remixshop 5 clothes of mine and 2 of my husband’s one. Used up some of my make up: The Body Shop: Fresh Nude Tinted Beauty Balm, Mini MAC Chili lipstick, Trend It UP: Lipoil + my eyecream and my face creamIMG_6732

Charity: this month Les Clefs D’Or event was also a charity ball, I have dominated to Australia rescue and also was involved into a campaign like last year about the mestrual poverty.

So the total was spending 31,17 %, which is a bit high however the glasses was only a must in this month.

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The Make up inventory of 2020

Hi lovelies,

I was written to update on my makeup for you in January. So my plan for the year in terms of make up:

One fresh beauty products per month! Rather try to use up and enjoy my current items and panning them, specially my eyeshadows.

Firstly let’s see my makeup box and count:

I would not say that I have an enormous collection of makeup like in the lot of the declutter videos on YouTube, but I still feel a bit overwhelming of them so I will try to desize my collection in 2020 and only add 12 new items and of course saving some money.

I own:

  • 12 lipsticks,
  • 7 eyeshadow palettes,
  • 4 highlighters,
  • 3 foundations,
  • 3 blushes,
  • 3 mascaras,
  • 3 bronzers,
  • 3 eyeliners,
  • 3 lipliners,
  • 3 concealers
  • 2 faceprimers,
  • 2 setting powders,
  • 2 lip oils,
  • 1 face palette,
  • 1 lash glue,
  • 1 fake lash,
  • 1 lightening drop,
  • 1 single eye pigment,
  • 1 eyeshadow primer,
  • 1 lipprimer

So in total of 60 items… so my goal is to downsize it to 40 by mainly using up the current items I have. Also my other aim it to finally reach the total cruelty free make up inventory  by the end of the year

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2 items are missing: my Lanolip oil and a Becca undereye corrector- I think I left them at work …

I just have to do a bit of decluttering now too, which would be:

The E.l.f. Concealer, which is broken so it is a bit too dry now + the color is not a match for me (fair is too dark), my everyday Trend it up mascara is just too old to use, finally my friend came to pick up my old MAC products, which I was gifted for her (2 palettes and a lipstick). (55)

I am on the way to panning this month:

Bobbi Brown bronzer, Nars Orgasm blush, The Balm: Mary Louminizer and using up my Chanel setting powder, The Body Shop Tint Nude BB, Trend it up Lip Oil, Estee Lauder Coral an MAC mini Chili lipstick. Of course I try to use only one eyeshadow in this month, which is my Tarte Tartelette in Bloomson palette.

So I can only buy 12 pieces of make up, so what would be if I would just buy them now: (I try to be realistic as I would need some replacement during the year for sure)

  1. It Cosmetics CC (replacement)
  2. Urban Decay Perversion mascara in mini (replacement)
  3. RMS beauty: Eye Polish
  4. Lisa Eldridge: Velvet Ribbon lipstick
  5. Fenty Beauty: Gloss Bomb
  6. Fenty Beauty: Sun Starlk’r Instant Warmth Bronzer
  7. Too Faced: Better Than Sex Waterproof mini mascara
  8. Huda Beauty Mercury Retrograde palette
  9. Lilah B.: Divine Duo- Lips and Cheeks
  10. Charlotte Tilbury brown eyeliner
  11. Charlotte Tilbury lip liner
  12. Hourglass: Veil Mineral Primer

OMG it is such a huge wishlist, however it can be changed throught out the year.

 

Money issue of 2020

Hi lovelies,

Happy New Year to everyone! I was thinking about joinning a “no buy” year than I was convinced that I am not ready for it and I would fail like in the first month for sure, which has no sense and would made me pissed off, so I want to make a sustainable low buy year. That would mean to try to use up, specially make up , however I do not have a crazy amount of it but still have more than an average people would need, so I want to decrease it a tiny bit (of course I had, have and will have a box full of makeup). Second reason is to keep my skincare and haircare routine as simple as it is now, because they do work for me. Thirdly is to upgrade my clothes, shoes and accessories in quality. The other main reason of course is to save for our future plans.

Budgeting:

Let’s start with the budgeting… I think the Atkins budget: 50-30-20 rule is not a new thing, but that is going to be the first year when I will start to follow. Yes it is more written for the USA and it is harder to adopt to the rest of the World, but I want to try.

Now let me to persolize:

Firstly it is the hardest thing to set what is the budget as my payment is comes from a fixed part and commissions after sales, so my monthly salary is changing months by months. Here in Hungary we do have quite low salaries, but there is a “cafeteria” system in which the employees can gain some extra money for extra spending: local restaurants, cinema, gym, spa, accomodation ect. I just will set a minimum, which would be equal my minimum net salary: 220 000 HUF (ca. 665 EUR). On the top of that I want to save for our flat goals, which we still not finished- specially our living room: no TV and its furniture, a rug is missing so much.

SAVINGS: (20%) 

Last year I had to pay off 38 500 HUF (ca. 120 EUR) per month to the taxation company as a sales tax after our flat, which is thanksfully over this year. Last year I was able to take only my retirement fund and my healthcare fund- these I would higher up a bit and take rest to my security fund. Yeah my first financial goal is to build my security fund upto 6 months. Now I only have it for 1 month, but by the end of the year I would love to have it for at least 3 months.

WANTS: (30%)

That is the category that I will totally need to change. Cut back on those impulsive purchases and carefully considering what I want before I pull the trigger on a purchase on things that I really love. This is were I should keep my annual budget the most. So I am settling the followings rules:

  1. One fresh beauty products per month! Rather try to use up and enjoy my current items and panning them, specially my eyeshadows. I think it will have a seperate post soon about it.
  2. One in and one out skin care, body and haircare products, that what I am already doing but it is better to remember myself I can only buy one if I completely finished it and do not have anything to replace it. At the moment I do have everything works for my skintype.
  3. One new addition to my closet per month: including clothes + maximum 6  shoes and accessories! Probably will be the hardest to keep but I think I will be able to buy more of better quality stuffs or second hand (at least 3 of them should be that) and at least one from a local designer and 1 from an etnical brand!
  4. Magazines and books: books I must not buy until of 6 will be read from my bookshelf, while magazines I will strict to one per month.
  5. Gift cards and gifts are exceptions- finally I will have a wishlist for my birthday and nameday.
  6. Only one treatment is allowed per month: beauty salon, massage, hairdresser ect.
  7. Keep a no buy day per week.
  8. Do decluttering per seasons.
  9. do a month of no Buy like last year:

A month without extra spendings

NEEDS: (50%)

I mostly counted my fixed charges here: common cost, electricity, gas, water, mobil bill, internet and Apple. These would be already 60% of the needs budget. I am not sure that if I can fit my grocery into the 40% of it but we will see in January. Also at the grocery I have to be more mindful, but still do not want to suffer.

In the beginning I have written that this is only my minimal budget, so what about the rest? That what I want to use for our flat improvement, our common goals with my husband or holiday. Yeah my 2020 plans are just upcoming a few days.

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Xoxo,

A month without extra spendings

Hi lovelies,

Let’s continue my journey to waste less. In September I have not purchased any clothes, cosmetics, electricity stuff or any extra household items. I feel so proud of myself, because I just feel a step closer to my sustainable lifestyle.

This journey made me to think how many extra things and useless things we do have at home, Yeah, we did a tiny decluttering too: clothes, old papers etc. And it is also made me to realize what is exactly missing from our home, had time before acting to think and rethink again and again. After I changed my clothes from summer to a tinier warmer I was so happy to find so much, which I was litually forgot, but used to love… rediscover my own things. Also rethought and reuse a lot of things which I have never ever imagined. Now I used to take my clothes bags to grocery stores and reduced our waste a little bit.

I do suggest to try this out for a month and it will really change your mind.  In the future I really try to buy rather quality than quantity.

xoxo,