The reason I write this topic because I'm want to share something wonderful that was happening to me this year and I'm happy with it, even I'm struggling to achieve it. I put some mission on myself to complete it within 1 year but I take almost 2 years to complete it; which is I'm want to pay the balance of total amount my study loan and also I want to travel to Europe. 

In June 2011, I was success finish my study in Bachelor in Accounting (within 5 years of study accounting) and on that day, I'm official have the debt of my study loan with the draft amount is RM 63,000. Yes, a big amount for a fresh graduate like me. But lucky, I'm entitled to get exempted from my study loan (based on the final CGPA) with the draft amount is RM 22,000. I have to pay the balance of my study loan is around RM 41,000, which starts in November 2011. It's still a big amount to me but I'm quite fast getting a job, right after I finish my final exam in my final year in June 2011. So I try to pay my study loan based on the schedule they give to me; which is starting from the small amount until its increase every 2 years. On the schedule of my study loan, I will finish paid the entire amount on May 2022. 

But I'm feeling a burden about that because of everything I want in my life, I have to cut off and think wisely. I do well to manage my finances in every inch. I wish that I can paid-off my study loan early than the scheduled date. Start in 2018, I keep saving for my study loan and I get to manage to save with the draft amount is RM 16,000. I'm the success to pay the entire amount of my study loan in October 2019. It is just early 1 year 7 months from the schedule. I'm feeling grateful and happy about it. Not to be surprised, I also get to manage some savings for my trip to Europe at the end of November 2019 too.

Yes, finally my dream trip has come true. The day I post this topic is early 1 day of my trip to Europe. Just before 1 day I'll departure to London, England. I'm excited to explore some parts of Europe within 2 weeks in the winter season. The countries I will be visiting are England (London), France (Paris), Belgium (Brussels), Netherlands (Amsterdam), Germany (Frankfurt), and Switzerland (Zurich). I also will be updating my blog post about this trip started in January 2020. I hope I can update these travel diaries of Europe trip as soon as possible. 

Before I forget the bonus part, I also bought the new Samsung S10 phone to my mom, since my mom's old phone (Samsung S4 – the gift from my late dad) not working well now. It is the gift to my mom since she not join her company trip to Beijing, China on 16 October 2019 until 19 October 2019 and at the same time, she getting preparation for the Europe trip, start on 28 November 2019. Maybe it's time; I should gift something special to my mom. 

At this point, I feel grateful that I successful to manage my finances for some of my big mission in the year 2019. It is hard but I can taste the sweet by the end of my life. Yeah, I'm free from the debt, except the utility bills but rather than that, I'm free from any debts. Now, I can start saving from myself and maybe the next part of expenses when I am getting married. I just hope that I can meet my soulmate soon and also getting marries soon. 

Another product of Some By Mi, I would like to try Some By Mi Truecica Mineral 100 Calming Suncream SPF50+ PA+++ (50ml). I bought this product through the HERMO website with the discount price is RM 50.40 from the normal price is RM 63.00. When I saw it has a great deal so why not I buy it to try. 

The Some By Mi Truecica Mineral 100 Calming Suncream SPF50+ PA+++ is made up of 85% moisturizing essence, this suncream offers a board SPF50+ PA++++ spectrum for protection while soothing and reinforcing the skin's barrier with 10,000ppm of patented Truecica. The cream also aids in reducing wrinkles and brightening the complexion. 

The benefits of this suncream are a tri-functional product: UV Blocking + Whitening + Wrinkles Improvement; with UV Blocking index SPF50+ PA++++ to block out both UVA/UVB; its non-nano factors will not absorb by skin easily while provides 100% of physical UV blocking; with 85% of moisture essence, its lotion-like texture gives no white cast finish; with 10,000ppm of Truecica™ for skin soothing, protection and skin barrier reinforcing; and no use of artificial fragrance, colourants and 20 harmful ingredients.

Just like another suncream, it's to use. At the last step of skincare, apply a proper amount (2ml a time is suggested) on the face evenly. It does also apply a proper amount on the neck, legs, and arms or other body parts that are easily exposed under UV rays. This suncream does calm and protects my face. 

Since I have combination to oily skin type, I was careful to choose the suncream for daily routine. This suncream formula is light, not thick or sticky, and gets absorbed fast and easily by the skin, and leaving a nice matte finish. It also gives hydrates, and finish look without a white cast or sticky feel. It's also great if you have sensitive or problem skin. I would like to give 4.6 stars out of 5 stars for this product. I will repurchase this product in the future. 

Another product of Some By Mi, I would like to try is Some By Mi AHA BHA PHA 14 Days Super Miracle Spot All Kill Cream (30ml). I bought this product through the HERMO website with the discount price is RM 48.00 from the normal price is RM 60.00. When I saw it has a great deal so why not I buy it to try. 

This product as a multifunctional cream is packed with AHA, BHA, and PHA to effectively purify skin by ridding it of impurities completely, while D-Panthenol and Truecica help to strengthen skin's barrier. It is with a lightweight and clear gel-like texture; the Super Miracle Spot All Kill Cream also effectively brightens skin and improves wrinkles. It contains 10,000ppm of D-Panthenol for skin moisturizing and oil-water balance with AHA, BHA, and PHA for dead skin cells care. A dual-functional product: Whitening + Wrinkles Improvement. It purifies skin and removes makeup residue and skin impurities for a clean and smooth finish. It also contains 750,000ppm of Truecica™ to soothe skin and reinforce the skin barrier.

I think this product is more concern about the acne-prone skin type. Normally my skin is combination type but I do face some of the acne because of hormone fluctuations. I have been using this product for 14 days and I admit the result after using this product is wonderful. My acne is slowly recovered until it's gone. I like it so much. My skin becomes smooth and free from the acnes. Since this product is small so I'll carry this product while I'm going traveling soon. Just in case, if I have acne. I would like to give 4.7 stars out of 5 stars for this product. I will repurchase again this product when I saw the great deals in the future.

Honestly, this is not my first time trying the Innisfree No-Sebum Mineral Powder (5g). Recently, I got a gift from Malaysia Innisfree Store after purchased of Innisfree products. This Innisfree No-Sebum Mineral Powder normal price is RM 28.00. It is one of the popular Innisfree products in Malaysia. 

Innisfree No-Sebum Mineral Powder is a sebum-absorbing oil control powder that leaves a smooth finish. A replacement for oil control paper that leaves the skin soft and matte. The double sebum-control system controls that secretion of sebum to keep the skin soft and fresh all day long. Jeju minerals and mint ingredient control skin oil and moisture to keep it healthy. 

The multiple uses of No-Sebum Mineral Powder is finishing base powder (apply at last step of basic skincare on the sebum area. It will keep softness all day); makeup fixer (apply at last step of makeup. This will help the makeup last long); soft & bright skin tome (mix the no-sebum powder and sheering powder and create soft and bright skin texture); replacement for Oil Control Paper (when fixing makeup, use this powder instead of oil control paper and it will give back your beautiful soft skin), eye primer (before drawing sys line, put a bit of this powder to prevent from spreading aside. Before eye shadow, apply the powder lightly over the eyes and it will help from spreading in the afternoon); and last hair control (when you were too busy to wash your hair, place this powder slightly on your hair scalp and brush it out. Nobody will notice you didn't wash your hair). 

Just simple to use this product. At the last stage of skincare, apply lightly all over face or areas with a lot of sebum production with the puff, and also apply at the last stage of makeup or frequently whenever your skin gets shiny or oily. The packing is simple and small so I can bring it anywhere and I can apply it whenever I feel my skin look oily. I like it so much and it's perfect for my combination skin type. I would like to give 4.3 stars out of 5 stars for this product. I will repurchase this product when I see great deals in the future. 

First time I buy and use the new Korea cosmetic collection with a unique packing of marble by the name of Dear Dahlia. It looks interesting to me then I decide to buy it through the Hermo website. The products from Dear Dahlia I was bought are Dear Dahlia Skin Paradise Blooming Cushion (14ml) (Soft Sand) (RM 168), Dear Dahlia Lip Paradise Intense (3.8g) (#801 Stella) (RM 120), and Dear Dahlia Paradise Dual Palette (0.65g) (Strawberry Crush) (RM 115), within total I spent is RM 403 to this brand. Yes, it's expensive but I like the way of marble packing on this brand.  

The Dear Dahlia Skin Paradise Blooming Cushion is expert wear and finish of a bottle formulation, with the convenience of a cushion pact, with anti-oxidant enriched Dahlia Variabilis Extract as the main ingredient, this super hydrating liquid foundation helps retain moisture and balance while maintaining its picture-perfect natural finish. It has safe ingredients, that enriched with Dahlia Variabilis Flowers Extract and nourishing Eco-cert Certified Organic Oils and Butters to create intense hydration and luscious satiny texture. 

It is formulated without using Nanoparticles, sulfates, Silicones, Parabens, PEGs, Phthalates, Synthetic fragrance, color pigments, and no animal ingredients or testing. It also has SPF 35 PA+++ with the use of active mineral ingredients instead of chemical sunscreens which can irritate and clog pores. Dear Dahlia foundation contains physical sunscreens that work by sitting on top of the skin to deflect and scatter damaging UVA & UVB rays away from the skin. The skin tones that available to this product are #001 Nude Beige, #001C Peach Ivory, #002 Natural Beige, and #003 Soft Sand. This product is impressed by me. The coverage is considered good (like mild to medium coverage) and gives a semi-matte finish look. It doesn't feel cakey and quite long-lasting on my skin. I would like to give 4.1 stars out of 5 stars for this product. 

The Dear Dahlia Lip Paradise Intense Stain combines plant-based natural ingredients with skin conditioning properties of Dahlia variabilis Flower extract to naturally nourish lips. It is a rich and creamy high-pigmented moist formula gently and continuously wraps lips without dryness or flakiness. It has safe ingredients, that enriched with Dahlia Variabilis Flowers Extract and nourishing Eco-cert Certified Organic Oils and Butters to create intense hydration and luscious satiny texture. It is formulated without using Nanoparticles, sulfates, Silicones, Parabens, PEGs, Phthalates, Synthetic fragrance, color pigments, and no animal ingredients or testing.

Not to be surprised that it has SPF 15, Lips are skin too by protecting your lips from ultraviolet rays sensitivity while maintaining ultimate color and moisture. Non-irritating, light-weight Rice bran wax has been used as a base instead of an animal or beeswax to insure a long-lasting smooth saturation of intense color with a single coat. The colors of Lip Paradise Intense Satin are #801 Stella, #802 Marilyn, #803 Bella, #804 Adele, #805 Scarlet, #806 Ruby, #807 Carmen, #808 Megan, #809 Kate, and #810 Lucy. It is a good color, nice to apply, and the texture is comfortable on my lips. I would like to give 4.3 stars out of 5 stars for this product.

The Dear Dahlia Paradise Dual Palette is a range of perfectly curated mini palettes to showcase different looks suited for any occasion Mix and Match each palette to create customized looks from natural to bold with warm and cool tones ranging from light to dark shades. Super blendable, pigmented eyeshadows in matte, shimmer and glitter finishes infused with skin-conditioning Dahlia Flower Extract, soothing Certified Organic butter and oils to replenish and protect lips while providing long-wearing, the intense color payoff that's never chalky or patchy. 

The key ingredients, enriched with skin conditioning Dahlia variables Flower Extract and nourishing Ecocert Certified Organic Sweet Almond Oil, Argon Oil, Shea butter and Cacao Seed butter – to create a gentle formulation with luscious textures suitable for even the most sensitive skin. It has formulated without using Nano Particles, Sulfates, Silicones Parabens or Phthalates, Synthetic Fragrance or EU/USA banned color pigments. No animal ingredients or testing, and vegan-friendly. Among the colors are Peach Champagne, Lady Oxford, Sunset Romance, Caramel Slice, Cocoa Delight, and Strawberry Crush. I love the shades of the eyeshadow and lipstick with most small pretty marble cases. I also easy to carry anywhere I like without care about the space in my bag. I would like to give 4.2 stars out of 5 stars for this product.

Another product from the Innisfree that I would like to try is Innisfree Skin Clinic Mask Hyaluronic Acid. This Innisfree Skin Clinic Mask Hyaluronic Acid (20ml), I got as a gift from the Innisfree Malaysia Store together with the Innisfree Skin Clinic Mask Collagen, and Vita C. The normal price in the Innisfree Malaysia Store is RM 8.00.

This includes hyaluronic acid, which is known for being high in moisture to address skin dryness and leaves the skin moisturized and healthier. This 100% natural cotton sheet is made from soft cotton hairs around the cotton wool. It is transparent and thin and has good adherence to the skin, which allows for its good substances to be more effective delivered into the skin.

It is easy to use this mask. After cleansing, use toner to refine skin texture. Take out the mask from the package and remove the film. Evenly adhere it to the entire face, avoiding eye and lip area. Remove the sheet after 10~20 minutes and gently pat to allow the remaining formula to absorb into the skin. I used it at night time, just before sleep. It is absorbed completely and on the next morning, my skin felt tightened, smooth, and hydrated. It comes in a sturdy packaging which is it can also use while traveling. It is soft and very soaked with essence. I would like to give 4.2 stars out of 5 stars to this product and I will repurchase this product in the future.

"Life is a journey. Life is not a competition. What's was happening in our life, comes with the reason. Whether we'll understand well or later." 

When I saw this quote, it makes me think wisely about that. Sometimes, I forget what's was happen in my life have the reason. It takes time for me to understand the reason what's happened in my life. In the journey to understand it, it makes me a negative person rather than the positive person. I think it's a common stage for a person like me, who is not felt grateful in the first place. After the time is past, its do make me think the reason for what's happened in my life has the reason and I have to feel grateful for what's I have in my life even it's a small thing. Because of that, I'm slowly studying about Self-Love and also the Healing Process of my life. I think I do have to change my life to become a grateful and positive person. Life has to be balanced with the work, family and yourself. 

Recently, the Self-Love or Self-Care that I do practice in my daily life is as per below.

Just do what you love to do, which makes you felt happy.

Sometimes, the simple things I love to do can make me felt happy like watching the K-Drama, writing the gratitude journal, study the Korean language back, and hang out with my family or friends.

Create a visualization board.

I can't remember when I do start to create a visualization board but I do start to do it on the last years ago. It's so helped me to manifest what I want to achieve in my life. 

Visit a new restaurant and café.

In this part, I do love to do visit a new restaurant and café while I'm traveling back to Seoul, Korea and I rare to do it in my city. Just this year, I try to do it in my city.

Be a tourist in your city.

I not sure when I will start to be a tourist in my city. It's because normally I have my activities on the weekend but I'll try to do it soon.

Photography.

Practice or learn about photography does make me felt happy about it, especially when I post some of it in my Instagram account.

Plan a vacation.

In this part, I always do from the beginning because I feel relieved of my stress while I'm going on holiday at least once a year. When I've free time, I'll try to make draft my travel planning on the next trip. 

Aromatherapy at home.

Last year, I was bought the Muji aromatherapy to relaxing my mind after the stressful day. It's helped my mom and me, especially after work. 

Pick the flowers for yourself.

Normally, I pick the flowers for the blog product photoshoot but after I use it, I will place the flowers around my house for fresh scents so it's can be dual. 

Read or watch something inspirational.

Recently, I like to watch Youtube that talks about self-love or self-care, minimal and simple living, traveling, photography tips, and daily log from the Korean YouTubers.

Take walks in the parks.

Every morning, I will take at least 20 minutes by walking around the parks that nearby my office. It makes me feel fresh and relax after that. It's just nice activates before I'm going to the office. 

Listen to favorite music.

Normally, I'll listen to my favorite music while I'm stress doing my work at the office. Yes, my favorite music is K-pop songs or sometimes I'm listening to the piano instrument based on K-Pop songs too. Its do help me to feel relax in the office.

Eat healthy foods.

Just reduce eat salt and oily foods. I do eat more fruits and vegetables. I do like to start to eat fruits in the first place before I take any meals in my daily life. Its do helps my digestion too. 

Drinks more plain water, especially in the morning.

I think it's normal when you hear about drink more plain water at least 8 glasses per day. Yes, it does difficult from the beginning but I practice to drink more plain water, especially once I wake up in the morning.

Make a bucket list.

For some reason, I always write the bucket list because I want to achieve something I want in my life. This is the way I can do manifest about what's I dream of.

I do admit after I was practice this Self-Love care in my daily life; it's does work on me. I felt grateful and happy what's ever I do. The important point is I'm slowly healing my feeling and I try my best to open my heart. It's a good start to balance my lifestyles. 

Another product from the Innisfree that I would like to try is Innisfree Skin Clinic Mask Vita C. This Innisfree Skin Clinic Mask Vita C (20ml), I got as a gift from the Innisfree Malaysia Store together with the Innisfree Skin Clinic Mask Collagen and Hyaluronic Acid. The normal price in the Innisfree Malaysia Store is RM 8.00.

This fine delicate cotton mask with functional whitening improving benefits contains vitamin C derivatives to brighten your dull skin and leaving it looking clear and radiant. This whitening mask sheet contains vitamin C derivatives and niacinamide to brighten up dull and rough skin. This 100% natural cotton sheet is made from soft cotton hairs around the cotton wool. It is transparent and thin and it has good adherence to the skin, which allows for its good substances to be more effective delivered into the skin.

It is easy to use this mask. After cleansing, use toner to refine skin texture. Take out the mask from the package and remove the film. Evenly adhere it to the entire face, avoiding eye and lip area. Remove the sheet after 10~20 minutes and gently pat to allow the remaining formula to absorb into the skin. I used it at night time, just before sleep. It is absorbed completely and on the next morning, my skin felt tightened, smooth, hydrated, glowing and a little bit brighter. It comes in a sturdy packaging which is it can also use while traveling. It is soft and very soaked with essence. I would like to give 4.2 stars out of 5 stars to this product and I will repurchase this product in the future.

Another product from the Innisfree that I would like to try is Innisfree Skin Clinic Mask Collagen. This Innisfree Skin Clinic Mask Collagen (20ml), I got as a gift from the Innisfree Malaysia Store together with Innisfree Skin Clinic Mask Vita C and Hyaluronic Acid. The normal price in the Innisfree Malaysia Store is RM 8.00.

This fine delicate cotton mask contains collagen to rejuvenate your skin, leaving it feeling resilient. It contains collagen, which is good for skin firmness, to revitalize and firm loosened skin. This is 100% natural cotton sheet is made from soft cotton hairs around the cotton wool. It is transparent and thin and has good adherence to the skin, which allows for its good substances to be more effective delivered into the skin.

It is easy to use this mask. After cleansing, use toner to refine skin texture. Take out the mask from the package and remove the film. Evenly adhere it to the entire face, avoiding eye and lip area. Remove the sheet after 10~20 minutes and gently pat to allow the remaining formula to absorb into the skin. I was feeling likely to this mask. I used it at night time, just before sleep. It is absorbed completely and on the next morning, my skin felt tightened, smooth, hydrated and glowing. It comes in a sturdy packaging which is it can also use while traveling. It is soft and very soaked with essence. Collagen makes it good for the skin. I would like to give 4.7 stars out of 5 stars to this product and I will repurchase this product in the future.

Another Moonshot product, I was bought at the Moonshot Flagship Store in Myeongdong is Moonshot Micro SettingFit Cushion (12g) with the price is KRW 28,000 (RM 103.60). I have been chosen the color of #301 Honey, which suits my skin tones. 

The Moonshot Micro SettingFit Cushion is a sheer and soothing layer. Fix and Setting summer cushion that does not clump with layers of the application. A perfect Setting Cushion that defends darkening effect even during the hot summer and from direct sunlight, like Kuala Lumpur, Malaysia. A long-wearing and buildable real fixing cushion foundation. A weightless adherence by Microfit Technology. It also has water cooling by infused 10ppm of aquilegia extract hydrate your dry skin by cooling effect. 

Among the color tones are #101 Ivory – Bright color tone, #201 Beige – Natural color tone, and #301 Honey. Only the color tone of #301 Honey is suit and match with my skin tones for giving the natural make-up that I like. So far, I not have faced any problem with this cushion foundation. I also not feeling cakey even all day I use this cushion without reapplying again. I like it. I would like to give 4.8 stars out of 5 stars for this product. 

In early September, Innisfree Malaysia has launched the new product line which is Innisfree Jeju Cherry Blossom with a nice pink color that matches with the Cherry Blossom theme. The hottest product in this line is Innisfree Jeju Cherry Blossom Tone-Up Cream. As VIP members of Innisfree Malaysia, I'm entitled to try this product sample which is Innisfree Jeju Cherry Blossom Tone-Up Cream and Innisfree Jeju Cherry Blossom Jelly Cream. On the last topic, I do share some reviews about the Innisfree Jeju Cherry Blossom Tone-Up Cream so in this post I would like to share about Innisfree Jeju Cherry Blossom Jelly Cream. 

I was bought the Innisfree Jeju Cherry Blossom Jelly Cream (50ml) with the normal price is RM 90.00 at the Innisfree Malaysia Store. In the month Innisfree launched this new product line, it is has a few promotions and I look interested in the promotion to buy 1 of this Jeju Cherry Blossom Tone-up Cream and add another Jeju Cherry Blossom product, I get the gift of Fall in Love Hand Mirror. It's so cute with a pink color, which is my favorite color. 

The Innisfree Jeju Cherry Blossom Jelly Cream has a brightening effect of Jeju Cherry Blossom that formulated with Jeju cherry leaf extract for clearer and brighter skin. The ‘Natural Betaine', a naturally derived moisturizing ingredient extracted from beet to help retain moisture for dewy-looking skin. A refreshing and moisturizing cream that comes in a jelly texture, it is creating a dewy glow on dry skin. It is free of stickiness and because of its light texture and can be used in the daily skincare routine.

It is having two steps that recommend from Innisfree as below:

Morning Skincare Routine

Jeju Cherry Blossom Skin > Jeju Cherry Blosson Lotion / Jelly Cream > Jeju Cherry Blossom Tone-up Cream.

Night Skincare Routine

Jeju Cherry Blossom Skin > Jeju Cherry Blossom Lotion / Jelly Cream

*Be sure to double cleanse if you applied Jeju Cherry Blossom Tone-up Cream in the morning. 

This skincare routine is depending on your skin type; for combination to oily skin type like me, I do escape the Jeju Cherry Blossom Lotion and I just apply the Jeju Cherry Blossom Tone-up Cream in the morning and Jeju Cherry Blossom Jelly Cream in the night. It's enough to this skin type, especially the weather like in Kuala Lumpur, Malaysia. I do use this Jeju Cherry Blossom Jelly Cream for around 1 month and I do like this cream so much. 

It is has a clear and light of jelly texture with a fresh slight scent. If you do have sensitive skin, be aware this cream has a slight fragrance. It's not sticky, even after I apply this Jeju Cherry Blossom Jelly Cream in a few hours my skin does not become oily. My skin feels smooth and moisturized. I would like to give 4.7 stars out of 5 stars to this product and I will repurchase this product in the future.