ITALY: Lake Como

Getting to Lake Como would take you two stations from Malpensa. taking the train from the airport and get off from Sarono station... wait time is about 20 mins and the next train going to Como Lago (Lake Como). I remember paying around 9 pounds for the boat ride we took to get to one island to another. It was such an Amazing experience for me, as the water was so calming and I visited on the right time of the year which was summer. There were lots of things to see at each Island of your visit. top restaurant and historic churches. all the sore feet was worth it.

I hope you enjoy the pictures of my journey to this town. this is the Como Lago area I believe.

hydration is very important.

top FOREVER 21, Short from MBK thailand, sunglass from Dior.

MILAN

MILAN, ITALY: reason why you should visit MILAN part 1

Not only that MILAN is one of the shopping capital of Italy. it also has breath taking structure. Summer is the perfect time to visit the city which is around august.

 THE GALLERIA

if you're hotel is in the area... no need for train you just gotta download google maps and go. if you're staying in a Airport Hotel at Sheraton Malpensa, the train station is just right next to it. The people from the counter that will issue your ticket can give you direction where to get out the train. to get to the city central

Money talk: How to save.

There are many ways to save your money. It all only differs on your "Willingness to save". As a millennial; it is nurturing to travel, live your life, and make experiences while your young. But let us not forget we are not always forever young. In the process... our cells get damage, we get sick and our DNA's age. At one point we will all turn 30 and 40... with bigger responsibilities and must have a financial stability (although, it doesn't mean that when you're old is you're not able. But competition gets tougher). It's hard to think that after a trip or a YOLO moment is you'll be coming home with a pile of bills or an overdue rent.

It is never wrong to save even if it's a little amount because in time, if you continue saving it will all sum up in a huge amount. There are still some people that don't believe in savings, but only to live in excess of their income "yeah... maybe... If I'm a Kardashian or something" [laughs]. And for those who are normal working people like me. here are some tips on how I save my money.

1. 50/20/30

 50% savings 20% bills 30% daily expenses

whenever I receive my salary at the end of the month. I immediately save 50% of it. I calculate my phone bill, subscriptions, and etc. then take 15% to 20% to pay those. then I have 30% to budget my everyday needs like: food, transportation, clothing(I rarely buy clothes nowadays) and etc.

or you can also interchange the percentage depending on your need. either 30% savings 20% daily expenses then 50% bills.

the goal is to save. if you can increase the percentage of your savings. the better.

2. Buy what you only "Need."

I use to give into my impulse and be tempted to over spend on things or little things. that ended up becoming a huge sum amount of money if only I spent it wisely. Don't buy so much food that are perishable and gets rotten within 3 days or canned foods that ended ups being stocked, then a year later gets expired. plastic wares, hallow wears, fad utensils that you don't really need in your daily cooking life(only if you have passion for cooking or a chef wannabe). little things, that if summed is a lot of money that could have been saved or better use of something else.

3. Whenever your about to buy something ask yourself "DO I NEED THIS?"

This is a perfect question that I always ask myself when I buy clothes and answer "I dont need this" but ended up buying it still! just kidding! [laughs] (i used to)

I'm just a human being... each and everyone of us has an addiction. Unlucky me I have so many, not just clothing. uhgg I sometimes hate my life because of that (but not really).

So whenever I'm tempted to buy something I just like or want I ask myself this question. hard! really HARD! and repetitively!

4. I either buy something at the end of the month from the excess of my expense or I buy something at the very first then maximize my daily expense budget.

It really does take experience and practice to save money. it also a trial and error, whenever I want to treat myself something. I mostly don't take it from my savings, I take it from my daily expense. there are times that I have to adjust my savings especially when I'm planning on my vacation, but the goal is to always save. whenever I have set aside my savings, and I really want to buy something. I either wait for 30 days and see what's left on my money, or buy it already then adjust my my daily expense that would still cover up my daily allowance to myself.

5. Spread your savings.

  It is easy to be tempted to take a little or too big from your savings especially when it's accessible. you can always open an account thru a bank and put your money just don't touch it. you can either destroy the debit card that comes with it or just keep it in a safe. what I personally do is I have separate cards and different accounts, I also keep a spread sheet on how much each has. I never put my card that I don't want to use in my everyday wallet or I don't put each account number as beneficiary ( so you can transfer money online bank to bank) at my online statement, so I don't get tempted to transfer money from one account to another. you can also convert some of your currency to a stronger monetary value of the moment so you don't spend them right away. you can also time deposit your cash for a more stricter way to save.

6. Make an excel file on your spending

  This helps to keep a track record to where your money goes. how much you have spending and how much you have been saving. this is also a good way on how to tailor your spending habits if you're aiming to save more or be more responsible on your spendings. also a good way to reflect

7. Get addicted to Saving

 I came to a point that I feel so stingy(but not really! still normal, I just don't splurge as much as I do before) that I feel bothered when I touch my savings cause I feel like my net-worth is also decreasing [laughs]( i feel like I'm a celeb whenever I think of my net-worth haha). It feels odd for me whenever I spend on something petty rather than just saving it for good use. makes me feel happy when my savings keeps getting higher.

8. Have a healthy competition

This maybe not the best advice when you're an adult because sometimes money can cause problems to family and especially to friends. If you have a close friend who is open minded and willing to share how much they have save like you do. it's nice to feel motivated or be in a healthy competition whenever you feel like your'e over spending or getting behind. this is good suggestion if your in elementary or highschool.

9.  Save while your young

  There are benefits of saving while you're young. Cause along the way the money you've saved can be put into good use. either for you're college fund, rent, house, amortization and even a treat for yourself or your loved ones. better!? get yourself a car!

10. Enjoy saving.

At one point you have to enjoy the fruits of your labor, the discipline to set your priorities, and especially the will not to give into the daily desires of life in front of us. there will come a time that you will realize the essence of your hard work and hard earned savings. It is only up to you to decided when and how you're going to use it.

All material things are disposable: remember SAVE

I know so many people in my age range or the so called millennials, who has the MOTO of "you only live once" or the "high life" kind of persona. the reckless and miss management of their finances to sustain a life style has been a common nuisance, for the sake of perfection to the generation of inheritance and regime of social media.

The hotel bills, designer stuffs, fancy vacation, premium airfares, and many more. and there are those that are smart enough to make money out of giving the idea of perfection or the new term "GOALS"

at my current stance... I had an obsession with finance. I am also guilty of implying a certain, typical image of millennial.

As I gather my research and continuously educate myself to all my facets in life. I never forget to always save. I will not come clean that I didn't had my phase of reckless spending, burning cash for none sense stuff. as I grow older... became more wiser. I realized that being influenced by the outside standard of almost everyone's perception of perfection, especially to the young ones is totally none sense. When I was back in university, i had this constant pressure, not to wear the same clothes, have the latest gadgets, travel here and travel there. I stepped into my 20's and didn't realize that i was still living the impractical life. 

I had a phase of temporarily running out of cash in the middle of nowhere, feeling so down about it while being surrounded with people who are Happy with enough. I grew up in an environment that my parents would only buy food, clothing, and necessities according to our needs. and as a young kid you don't really realize what you have but always what you don't have. 

The social media that is full of fabricated glamor and style is always something that is very tempting. the aspiration of living the perfection. acquiring whatever vogue is trying to sell or elle homes.

writing this post made me realize... all those things that i had have become disposable. I fly to different countries and see through my own eyes, how ungrateful I have become. complaining most of the time about my standard of living not having enough of what is already more than enough for many. 

I am now venturing my finances into the stock market( i wish to be successful about it). maybe traveling really does give you so many lessons from all the experience I made and realized.
I learned that having more than enough does not really mean anything, it does not really satisfy your quality of living. I'm not gonna be the first one to say this but it really is "the quality of relationship you make with other people is what makes the quality of your life better". how I tried helping a friend who is in need financially, how I spoil my sister and argue with my parents for the sake of baring the real side of my humanity. How I treat a stranger in front me.

Realizing this worldly things is so temporary. but yet, my christian louboutins and gucci shoes temporarily gives me joy also reminds me how to be grounded cause i envy those who is enough with simple. but also how lucky I am that I can buy a thousand gran for a pair of shoes that can buy a dozen to those who don't.

Paris France part 2 (All about eiffel)

 this events we're taken on different dates. was just being lazy to post and i wanted to be consistent with my post too. even if it's silly. or does not make any sense. I would suggest to see the eiffel at night. you'd be blown away by it's beauty and the lights. you'd literally tell yourself "I can live here!". take note... all photos we're taken from my iphone

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