THREE GIRLS, THREE STYLES Autumn is the time when beautiful colours in yellow, orange, green and brown shades predominate in nature. Let’s enjoy the diversity and include all the colours in our everyday. Put on… More
Welcome to my corner of lifestyle, beauty and inspiration.
My name’s Anita and I am coming from a small country Slovenia. I am a Media Communication student, blogger, content creator, editor and amateur photographer.
I would describe my life as a colourful mosaic, full of different colours and patterns as I am always excited for new projects Creating valuable content and good people give my life a sense of meaning and purpose.
About this blog
On my page you can find lifestyle topics, beauty tips and travel posts. I also love to share some simple and healthy recipes. My goal is to spread some inspiration and simple tricks to make your everyday life a bit easier.
Stay tuned for more.
I’m also open for new projects and collaborations so feel free to contact me:
Many people spend their lives trying to be liked by others.
Don’t do it.
Some people will never care for you, while others will love you. Some won’t enjoy your company and others will be more than happy to have you around. Some can’t stand you, others praise you.
That’s completely fine. It’s nothing personal.
A person told me a while ago: “You’re very energetic and friendly person and some people can’t stand that, so they want you to feel bad, because that’s how they feel about themselves all the time.”
It made me think. Some people are just fake. Don’t mind them and stay on your path.
First of all I want to thank Matthew who nominated me for October “What Kind of Pumpkin Are You?” Tag 🙂 He’s a great fellow blogger whom I can see as a humble and friendly person. The blog https://jesusluvsall.wordpress.com/ is about his faith in Jesus and lifestyle.
Before the mini interview, here are the rules:
- Thank the person who tagged you and link their post to yours.
- Link the original post so the creators can read them
- Use the original featured image and include it in your post.
- Copy and paste the meaning of the tag into your post.
- Answer the questions.
- Tag at least one person.
- Have fun and enjoy the rest of your month!
- Do you celebrate Halloween? Why or why not?
Nope, speaking in general most Slovenes don’t celebrate Halloween (I’m from Slovenia btw). Halloween is not a common tradition here, however we do celebrate Remembrance Day on the 1st of November. We visit a graveyard and light up candles for our loved ones who passed away.
2. Cookie Monsters! Do you like to watch scary movies? Why or why not?
Yes I do sometimes. However I prefer psychological thriller movies like Secret Window ot The Shining for example.
3. Name 3 of your greatest fears
War (maybe a bit odd but I am sometimes really concerned if war will happen considering the fact that the war is happening right now in some countries).
That something bad would happen to my loved ones
4. When was the last time you scared someone?
Probably my boyfriend. I would hide behind the doors and try to scare him just for fun xD But I usually start to laugh and reveal my intention so I don’t succeed in scaring him lol.
5. Do you believe in ghosts, angels, and/or demons?
Tricky question but no, I don’t believe because I haven’t seen any yet.
6. Do you ever get déjà vu? What do you think it means?
Sometimes I do something and suddenly get the feeling that I did this thing already in the past. Few years ago I dreamt of a girl I haven’t seen for ages and next morning when I woke up and went to school I met her. Coincidence? Could be. Anyways I have vivid imagination so I really try to find realistic reasons and not listen to my crazy ideas.
7. What are two of your favorite candies?
I love Raffaello and chocolate with mint.
If they wish to participate, I am tagging my fellow bloggers:
Maribor, October 2019
Finances are an important part of our everyday life and yet managing our money is still on a low level.
Why is that so? What are the worst financial decisions we do on a daily basis? I had the opportunity to meet financial expert and we did an interview for the radio. We talked about people’s relationship with money and how to improve our financial situation.
So, let’s get into it!
Finance so pomemben del našega vsakdanjega življenja, kljub temu pa je naše znanje o upravljanju z denarjem še zmeraj na nizko stopnji.
Zakaj je tako? Katere so največje finančne napake, ki jih delamo?
Imela sem priložnost govoriti s finančnim strokovnjakom s katerim sva imela radijski intervju. Pogovarjala sva se o odnosu človeka do denarja in kako izboljšati svojo finančno situacijo.
–Which are the most common financial mistakes young people do?
Young people often just live from day to day. They are only interested in what they’re going to buy as long as they have a Mastercard or they wait on the next month to come to spend more money.
They live in debts and credits, basically on the edge of finacial disaster.
I miss the understanding that life is not short and we shouldn’t live from hand to mouth. On average, people live 80 years. If some unfortunate accident or illness happens, we have to realize that this will be a story that is going to last for 60 to 80 years. In addition to that we should plan our finances in advance.
Katere so najpogostejše finančne napake, ki jih delamo mladi?
Pri mladih dostikrat vidiš, da živijo z dneva v dan. Se pravi, zanima me kaj bo danes pa kupo si bom nekaj, če bo le Mastercard potegno, če pa ne pa pač naslednji mesec.
V bistvu živijo na robu tega kar si lahko privoščijo.
So ves čas v kreditih in v dolgovih. Pogrešam to zavedanje, da življenje ni od danes do jutri. V povprečju ljudje živijo 80 let in če se vam zgodi kakšna nesreča ali bolezen prehitro je to v bistvu zgodba ki bo trajalo 60 ali 80 let in je treba tudi planirati kot celoto.
–Do you think we lack financial literacy?
Absolutely, the situation is terrible here (in Slovenia) even though we work on many projects. The main issue is the conscience of the people. Especially the millennial generation is focused only on today and on how much fun they will have tomorrow. Very rarely people think about the future plans.
–How can we improve our financial literacy?
The future of our children is in parent’s hands. They should encourage their children from an early age.
Children should know that the money doesn’t grow on the trees. Parents won’t provide money forever so you have to be in charge and put some effort into getting it. Beside earning, we can also get money in various ways with a start-up idea or investing etc.
Ali menite, da nam primanjkuje finančne pismenosti?
Absolutno, tukaj je pri nas obupna suša. Sicer se trudimo s projekti, ampak ni dovolj. Ključen problem je v zavesti. Sploh ta milenijska generacija je sfokusirana na danes, kaj je danes, kak se bom jutri fajn mel, kaj dlje pa redki, redki razmišljajo.
Kako bi lahko izboljšali našo finančno pismenost?
Jaz mislim, da bi mlade morali predvsem starši uvajati v finance od zgodnjih let in jim privzgojit to, da denar ne raste na drevesu, da ga ata ne bo skoz dal dajal otrok, da se bo treba potrudit zanj. Pravzaprav se lahko do denarja drugače pride ne različne načine ne samo da delaš in si ga zaslužiš ampak tudi s plemenitenjem sredstev ali pa podjetniško idejo.
-How can we improve our financial situation?
We live in capitalism. The main idea of capitalism is the main resource – capital, which is invested in funds. The goal of capitalist is to have money, invest and collect it.
I recommend investing in mutual funds, but they are only one of various funding options. Mutual funds have their purpose and goals and certain minuses and pluses as well. Investments always have and always will fluctuate up and down which brings us to the next point – buy when it’s cheap and sell when it’s expensive and not the opposite.
Kako izboljšati našo finančno situacijo?
Skupna ideja kapitalizma da je glavni resur kapital, se pravi denar, ki je investiran v neke naložbe, ki prinašajo donos. V zgodovini kapitalizma je en tak normalen nominalen donos realno 4,5,6 °% in to je v bistvu cilj kapitalista. Met kapital, investirat ga in pobirat približno take donose.
Priporočam vlaganje v sklade, so pa zgolj ena izmed naožbenih oblik in imajo svoje namene in cilje ter seveda pluse in minuse zato eje treba izbirat primeren sklade za primerne napade.
V razcvetu vzajemnih skladov smo Slovenci brezglavo investirali v produkte ne zavezujoč se risku v katere se spuščamo in z premalo izdelanimi strategijami. Vsi skladi ki so takrat obstajali so danes v plusu, razen nekaj balkanskih izjem. Ljudje so takrat mislili, da gre vse skupaj pod vodo in da je treba rešit kar se da, kar je v bistvu dokaj normalna življenjska reakcija, ki pa pri naložbah ni primerna in pravilna. Vrednost naložb vedno je in vedno bo nihala in tukaj imamo eno kmečko pravilo, kupuj takrat ko je poceni in prodajaj, ko je drago in ne obratno.
V tem trenutku je zelo velik boj medtem ali so recimo delnice podcenjene ali precenjene. Vse skupaj sloni na trenutni izredni situaciji nizkih obrestnih mer. Će imate npr. slovensko državno obveznico, ki vam ne prinaša nič ali pa nemško 10-letno državno delnico, ki vam prinaša minus oz.vi plačujete Nemčiji, da vam skrbi za denar. Potem je ena dobra delnica Krke al pa drugega podjetja, ki vam prinaša 2-5 % dividende na leto, super naložba.
V Sloveniji je še vedno rek tale rek iz socializma. Ljudje še vedno živijo v nekem lažnem upanju, da bo država poskrbela za njih, da bo državna pokojnina dovolj velika ali pa da če bodo zboleli bo javni zdravstveni sistem poskrbel za njih v celoti. Posledica tega da je vse to na voljo brez nekega lastnega angažmaja in truda, ljudi še vedno odvrača od tega, da bi resneje razmišljali o neki kreaciji ali pa konstruiranju lastnih osebnih financ.
–How important is for us to save money?
Saving money is a natural thing to do. We save for the critical financial situations like unemployment, illness etc.
–How to save money?
Start with minimal financial reserves to provide financial security. By that I mean to also decide for life or job loss insurance. The next level is to save money for our short and long-term goals.
The highest level is financial freedom, which means to build passive income, capital or assets that enable us to create sufficient income to live. Interesting that many say »oh, I will never achieve that«, but in reality most of us will retire some day. When we retire we basically live from our passive income.
However, a lot depends on our financial decisions which will define if we will only make a living or live the life we want.
Kako pomembno je varčevanje?
Glejte, varčevanje je pravzaprav zelo naravna stvar. Varčevanje je pravzaprav kreiranje zalog za neko situacijo, ko bom rabili ta denar. Prvi varčevanju je pomembno, da si vzamemo čas, si postavimo cilje in razmislimo kaj si želimo v prihodnosti ter osmislimo življenje.
Začnemo s finančno zaščito, minimalnimi rezervami za primere kot so izpad službe, bolezni in sklenitvijo življenjskih zavarovanj ali zavarovanj za nezmožnost opravljanja poklica. Naslednji nivo je kreiranje nekih zalog za srednjeročne ali dologročne cilje.
Najvišji nivo je finančna svoboda, kjer v nekem trenutku pridemo do neke situacije, kjer lahko iz čist pasivnih dohodkov, premoženja, kapitala ustvarjamo dovolj dohodka da lahko tudi živimo. Smešno, je da marsikdo reče “ah to pa jaz ne bom dovolj dosego”, v resnici pa se velika večina ljudi enkrat upokoji in takrat dejansko živijo od pasivnih dohodkov.
–Do you have any financial advice for young people?
If there ever was a time where you could expand your goals and do something special, to create new jobs, new activities, then the perfect time is right now. Social media and access to the information on the web basically open us market place on a global level.
Each of us should ask ourselves what do I want to do in my life? Than you have to find the section between the things that makes us happy and in which we’re good at. Generally, people are good in things that make them happy. Those could be hobbies, things we have talent for etc. And from that, we can try to make a business. How? Well, that’s a bit more difficult.
The passion for your work or hobby is something that drives you to make more than a normal workday. The passion engages our brain to find solutions, to continue to work more on it and to be successful. Successful people are those, who find solutions in specific field. These solutions are later bought by other people or companies and that, for me is a true success.
Imate kakšen nasvet za mlade?
Če je bil kdaj čas, da ste lahko v bistvu šli v širino pa delali neke posebnega, ustvarjali nove poklice, neke nove dejavnosti jaz mislim, da je to danes in bo v prihodnje. Ker ravno to socialni mediji in vsesplošna dostopnost informacij preko spleta vam praktično odpira globalni trg.
Vsakdo si mora postaviti vprašanja kaj si želi početi v svojem življenju in mora najti presek med tem kar ga veseli in v čemer je dober. Načeloma smo ljudje zares dobri v tistem kar nas veseli. Dostikrat so to neki hobiji, stvari za katere mamo talent, nato pa iz tega skušamo naredit biznis. Kak? To je pa potem tisto, kar je malo zahtevnejše. Jaz mislim, da je vsak dan na spletu in start up dogodkih videt in slišat ogromno zgodb ljudi, ki so nekaj začeli, ker jih je nekaj zanimalo ali pa iz hobija.
Veselje je tisto, ki te žene, da daleš več kot pa en normalen delovnik. Veselje je tisto ki ti nonstop angažira možgane, da iščejo rešitve in delaš naprej v tem in seveda si potem uspešen. Uspešni ljudje so tisti, ki dajejo dobre solucije na nekem področju, te solucije pa ljudje potem kupijo in to je uspeh.
Managing money is the topic I wanted to tackle like years ago, but somehow I didn’t due to lack of financial knowledge. I do save money, invest it, trying to educate myself about finances but I know there are many ways to improve my financial situation as well.
Let me know how is your relationship with money and what are your tips to manage your money better.
Let’s connect on social media:
- What are your nicknames? What do you prefer to be called?
Anitka, Anette or just Anita. I don’t have many nicknames.
2. How often do you doodle? What do your doodles look like?
Not very often. But when I do, I usually doodle hearts, animals, faces or flowers.
3. What do you do if you can’t sleep at night? Do you count sheep? Toss and Turn? Try to get up and do something productive?
I meditate before and try to sleep. In the worst scenario I toss and turn all night. Generally speaking, I don’t have much sleep problems.
4. Do people consider you as talkative or quiet?
5. What makes you cry?
Injustice and world issues.
6. What is your biggest pet peeve?
Gossip. I’m avoiding it like the plague. No one’s perfect – sweep your own doorstep first before judging others.
7. How many times a day do you look at yourself in the mirror?
I would tell you but then you’d thought I’m a narcissist. Just kidding. Not sure to be honest.
8. What is the strangest thing you believed as a child?
I believed that every person has good intentions. Sadly, not true.
9. What is one guilty pleasure you enjoy too much to give up?
I love carbs. I tried keto diet and I almost lost the will to live.
10. Who performs the most random acts of kindness out of everyone you know?
There are many. My mother, auntie, sister, boyfriend. Love you all.
11. How often do you read the newspaper? Which sections?
Very seldom. Usually the cinema program lol or interviews with people.
12. Which animal scares you the most?
I have phobia of worms. When I was a little girl, I found died rat on the street which was eaten by worms and I guess I never got over it.
13. Are you more likely to avoid conflict or engage it head-on?
Depends on the importance of the situation. Sometimes when you want something to get done, you have to be ready to face disagreements
14. What was the most recent compliment you’ve received?
You look like a real business woman.
15. What question are you tired of hearing?
When are you going to marry?
16. What is the strangest thing you have eaten?
Snails. Yes I did even though I’m a proud vegetarian today.
17. Do you have a whole lot of acquaintances or just a few very close friends?
Both. I know many, but hang out only with few.
18. Do you have a catchphrase?
19. What’s your all-time favorite town or city? Why?
Based on my experience, I was impressed by London and would live there for some time again but before settling down and having a family. When I travel to new countries and places maybe I find something more favourable.
20. If you had to change your first name, what would you change it to?
I like name Isabelle.
21. When was the last time you lied?
Today I said I am not sick so I could work lol.
22. What’s something that amazes you?
People who make change, people who are willing to be kind, persistent and never give up even though the whole world is against them.
23. Would you rather be the first person to explore a planet or be the inventor of a drug that cures a deadly disease?
The inventor of a drug that cures a deadly disease.
24. What is your favorite amateur activity?
Photography, cooking, writing, graphic design.
25. What was your first thought when you woke up this morning?
Oh no, I fell asleep.
26. What is your favorite song (at least at the moment)?
this at the moment
27. List someone you know, and describe them in 5 words.
My boyfriend: gentle, smart, sexy, kind and honest.
28. You can select one person from history and have them truthfully answer one question. Who would you select and what would the question be?
Tesla. He said everything is energy and that everyone can have the access to Akasha. I would ask him how?
29. Which celebrity or artist do you resemble the most?
Some say to a celebrity in a Spanish novela. I don’t remember the name.
30. What do you want me to know?
»Be the person you wish to see on the world.«
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Today I’m sharing with you the recipe for vegan and healthy version of vanilla cupcakes. Cupcakes are easy to make, delicious and they also look fantastic.
HEALTHY VANILLA CUPCAKES
- 2 decilitres of vegetable milk
- 1 tsp vinegar
- 220g coconut butter
- 200g sweeteners (I used erythritol)
- Vanilla extract
- 120g flour (preferably of whole grains / buckwheat / almonds)
- Baking powder
- Food colors
– Mix milk and vinegar with a blender. Add 100g butter, 100g sweeteners and vanilla extract. Then add flour, baking powder and a pinch of salt and mix it altogether. The batter is ready.
-Line your pan with baking cups and fill each cup about 2/3 of the way full.
– Bake at 180 degrees for 25 minutes.
And now the fun part – making the buttercream:
Add 100 g of sweetener and vanilla extract to the remaining butter and mix well together. Then choose the desired food colouring and add it to the cream. Put the topping on the baked cupcakes and decorate by choice. I also sprinkled sugar crumbs on top.
Hope you liked this recipe, let me know how you like it!
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