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,

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,

 

Spring- Summer Trends of 2020

Hi lovelies,

Yeah, this year is about low buy and a financial balance for me, but who told you can not be trendy with less shopping? Most of the trends are just a come back, so I would definitelly say to check your closet first. There are like trends, which are staying like the trench coats and military colors, cutouts, demin ect. Leather will be even more colorful and brighter. Some trends are I am not into it, so will not mention at all, try to only focus on my 10 favourite and most fresh and wearable trends.

I am going to attach some high fashion photos and some more afforable options, which I think you should try in 2020. Hereby my favourite, which I think I will love to implement to my low buy wardrobe:

All the first three most seen would be refers that the -’70 s and ’90s come back, being a ’90s kid I am remembering my mum wearing all type of suits and blouses so I might going to have a look in her wardrobe first:

  1. Bermuda Suit: culottes are getting shorter and will be paired with a blazer
  2. Get shirty: again the same thing: Suit, blouse and Shirts everywhere like in the ’70s
  3. Waistcoats: also referes to the same trend: the suit, so in 2020 invest in a good suit with waistcoat, long high waisted pants and a bermuda, but I would go for a 5 piece one: including a skirt.

The next ones are colors, shapes and textures:

4. Colors: Light yellow and green, summer: neon- all shade of yellow, which I have find out to really love, the lighter all year arround, brights in the summer. The neon is a bit too much for me, so I try to skip it by brighter colors…

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5. In Tiers

6. Hot pants: high waisted shorts are the girls best friends in the summer if you have a nice leg – otherwise rather choose a skirt or a bermuda please! Please only use it in the beach towns, not in big cities, because we are not interested in your bum, neither in your body fluid! I do love my linnen one and I do not think to buy and other one this year, but here are some great options.

7. See- Through: it was still exists last year, but honestly I have not seen any of them to be on the high street, and that is a trend which you must not send so much… nice print and a bralette underneath will be breathtaking.

The last 3 are the prints: animal, floral prints and stripes are always arround, let’s do some update: Tomcsanyi and Neverfully Dressed are my suggestions

8. Print 1: Polka dots

9. Print 2: ’60s wallpaper

10. Print 3: Tropical: of course noone can beat JLo and Versace, but we can try to copy…

And the perfect dress is presented by Priyanka Chopra: organza, polka dotted and fluffy:

12

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

iIMG_6729

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.