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.