It’s All About Interest Rates

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If you want to save money, you need to look at the interest rates. Reducing debt with the highest interest rates is the first thing you should look at. It doesn’t matter if it’s a credit card, a house loan, or a monthly instalment for a new TV/ phone/ laptop/ car, you need to eliminate the highest interest rate FIRST. High interest rates are only good for your investment savings account.

For unemployed people, struggling entrepreneurs and women with low paying part-time jobs it can be a real challenge to pay off your debt and prioritise bills with the highest interest rates as their payment date isn’t scheduled according to the highest interest rate unfortunately. Wouldn’t it be great if your first monthly bill was the one with the highest interest rate. πŸ˜›

Don’t fall for despair though. There are some tips and tricks you can do to keep track of your bills.

  1. Go through the interest rates of ALL your bills. When I had a full-time job, I didn’t pay attention to interest rates, bank fees, and other extra costs but these things matter more than you think.
  2. You can’t avoid credit card payments. Some bills can be postponed and negotiated with the bank, but unfortunately most credit card payments can not. Keep this in mind when you use your credit card.
  3. Negotiate mortgage loan payments with the bank. Another bill you can’t postpone, but of course it also depends on the country, bank and type of loan you have.
  4. Avoid buying stuff with monthly instalments. Check the interest rate first! If you buy a new phone, check how much you’ll actually end up paying in the end of your one or two year contract. (It’s A LOT more.)
  5. Avoid getting a loan to pay off your bills. These high interest loans that private companies offer to EVERYONE without checking your credit score are tempting and easy to get, but as usual, when something comes easy there’s a catch. They charge huge interest rates. Calculate how much your debt is, your interest rate on that debt and is it worth paying off that debt with another high interest loan.

For more information and tips, you can buy my Budgeting Tips 2020 from my Shop. (Also available in Finnish.) This post wasn’t sarcastic by the way. πŸ™‚ These tips are real and serious. Be safe, happy and don’t spend your pennies on stupid crap my dear readers. β˜ΊοΈπŸ’°

Overcoming Your Insecurities for a Better Dating Life

Insecurities caused by bullying can have a devastating impact in your dating life. Bullies find out your weaknesses and attack viciously because they are garbage people.

Nobody ever made themselves pretty by sabotaging others. πŸ˜ƒ Interestingly, the bullies with the ugliest souls seem to have a lot of success in dating. So do horrible personalities attract each other or just weak souls who settle for whatever they can get? From what I’ve seen, it’s the latter. Bullies are so disgusting that only people with extremely low self-esteem will stay with them (or financially struggling women/ men).

I admit, I have many insecurities, all thanks to rude vicious BULLIES and the pressures of the society.πŸ˜‚ The society pressures women to look perfect, behave perfect and behave like a “lady” at all times, yet also eat pizza, not be too demanding with money or wear “too much” make-up, and work but not anything more qualified than men etc. These demands are ENDLESS and women feel super insecure about many things. For men there are similar pressures. Earn a lot of money, have a cool car, go to the gym, be smart, be funny with the ladies, but don’t over do it to look pathetic etc etc.

My insecurities have affected my dating life severely. So how can I and others overcome our insecurities to have a healthy relationship? Here are some ideas:

  1. Don’t mock other people’s bodies even if your date is “perfect”. You never know if she/ he was overweight as a kid or has some hidden flaw/ problem that isn’t visible in public. Even if she/ he doesn’t have anything, they might later in life and this type of negative talk isn’t encouraging to anyone, even for the perfect 10s.
  2. Complimenting people makes you look beautiful. Encourage yourself, your date and others around you. If someone calls you fake for it, you know his/ her personality type and no need to get to know that person any further. πŸ˜‚
  3. Find your best quality and emphasize it. Simply being loyal is a rare quality today worth more than any hot body.
  4. Don’t compare yourself to others even if others have. You are unique and you deserve happiness and confidence just like anyone else in this world. Fuck everyone who disagrees.
  5. Surround yourself with good people. Move to a new country if you have to, change your job, get a new friend circle. Whatever it takes. Toxic people are not healthy for anyone and your self-esteem and dating life will improve immediately once you get rid off the people putting you down.
  6. Don’t bring yourself down no matter what. Avoid negative self-talk even if you hear it from others. You might feel really insecure about some feature but try to emphasize your good features instead of fixating on your flaws.
  7. If you can afford it, fix your “flaws”. New hair, make-up, clothes etc. Makeovers can be very expensive (especially plastic surgery and botox!), but find simple solutions within your budget. (Check my budgeting guide.) For example, a simple fringe will hide ugly eyebrows/ non existing eyebrows instead of spending hundreds of euros in microblading or hair growth serums.
  8. If you are dating an insecure man, make him feel more secure by not talking about your exes and don’t talk to your hot male model/ actor friend in front of him. If your good looking male friend calls you, explain yourself to your man so he doesn’t get weird ideas.
  9. If you are dating an insecure woman, don’t stare at other women in front of her.πŸ™‚
  10. As a simple rule, don’t make racist/ sexist/ abusive jokes about anyone’s appearance when you meet a new date or compare people’s looks. You don’t know your new partner’s personality that well and what triggers her/him.
Conclusion

Bullying is unfortunately the number one cause for all of our insecurities. It causes PTSD, low self-esteem, inability to trust new people, paranoia and problems with your sex life to mention a few issues. Be understanding and if you love an insecure woman/ man make her/ him feel worthy, loved and handsome by respecting her/ him while not compromising your own self-worth. If she/ he is nice to you, be nice and don’t try to make her/ him jealous with other people. 😊🌸

Bullies love to create insecurities in people who they find more confident than themselves.
My ex-colleagues started this vicious hate campaign against my dark under eyes and imperfect body led by a psychopath boss who has NO filter or manners.🀣 Tough shit, my eye bags and imperfect body are there until I can afford some Botox and plastic surgery OR I move to a country where these things aren’t a problem. πŸ˜‚

In Loving Memory of London

My dear cat London passed away two weeks ago. Love you forever. ❀️

The inspiration to this blog’s amazingly stylish logo, my best friend, my only friend in Finland in dark times, and my furry grey baby cat London passed away two weeks ago. ❀️ I had a little break from writing as my cat’s death hasn’t been the only struggle I’m currently dealing with, but I’ll be back soon with my sarcastic posts about dating and useful budgeting tips. ☺️

Cats are furry little angels that touch our hearts in a way people who don’t like cats will never understand. They are intelligent, charming, temperamental, stubborn and filled with love. Different cats show love in a very unique way and I always had cats since I was a child. London has, however, by far been the best cat so far. She passed away in suspicious circumstances, her breed is Scottish Straight but generally she was very healthy and vibrant. My other cat Bronx misses her dearly, but I’ll get another cat friend for him soon. Cats are group animals and need each others company. Even though London and Bronx had their disputes, Bronx loved her so much. ❀️ If you have any pet stories, let me know! πŸ™‚ Oh and for the funny part, cats are the the funniest furballs you can find, just Google “funny cat videos”. The cats will speak for themselves. πŸ˜‰πŸ˜»πŸ˜½

GUEST POST: Big Brands are Irrelevant When You’re Shopping for Healthy Food

Photo by Maarten van den Heuvel on Pexels.com

Being on a budget is not synonymous with eating poorly. Although this is a common thought, here you will learn about eating well on a budget. Many useful tips help with eating well on a budget that you might have never realized.

Eat Healthy And Spend Less

Eating well on a budget helps you think better and make better decisions. In this matter, it becomes a circle: you eat well and make the right decision of not wasting on lousy meals. It is a virtuous circle. For example, if you are studying, you need to be able to think straight, and we will teach you that eating well on a college budget is possible.

Sometimes you are hungry, and with little money, you think that fast food or processed food will be cheaper than getting some healthy ingredients and cooking a meal. Eating well on a budget is not hard, and we will show you how to accomplish that. To be sure, eating well on a budget is just a matter of knowledge and making decisions. You can rest assured of that.

Below you will see some tips that should help you spend less on food and, at the same time, eat better food. You will soon be eating well on a budget.

Plan Ahead For Eating Healthier On A Budget
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Among the tips for eating well on a budget, the first one should be obvious, but for some, it is not. Simply plan. What does this involve? First, do not eat out or order if you are already on a budget.

Then, prepare a meal list for the whole week to start eating well on a budget. What are you going to eat each day for breakfast, lunch, and dinner? You just need to be aware of how much you are going to eat and then find a way to balance things out. This way, eating well on a budget becomes a simple task.

When you know what you will eat, it becomes easier to put up a concise shopping list that helps with eating well on a budget. Add everything you need, and only that.

Some ingredients you should always have at home include olive oil, flour, tomatoes, frozen vegetables, pasta, rice, and potatoes (you can do almost anything with potatoes). They are cheap and help you with eating well on a budget.

Finding recipes online helps a lot with eating well cheaply. There are many sites dedicated to teaching how to cook certain healthy dishes that are made of cheap ingredients. They are a big help when you aim to eat well on a budget.

Another helpful tip is to take your Saturday or Sunday to prepare your meals for the week. That should help you start eating well on a budget. You will save a lot of time during the week if all you need to do every day is just heat your food. Better than that, you will be eating well cheap dinners.

Making Smart Choices Help You With Eating Well On A Budget
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First of all, do not buy anything out of impulse if you want to start eating well on a budget. Save money to buy what you need and prepare a dish at home. This helps with eating well on a budget.

Do not buy food the way you buy gadgets if what you want is eating well on a budget. When you are shopping for food, avoid big brands, and this can help you with eating well on a budget. Big brands put a lot of addictive substances in their food. Go for some generic brands and read their labels when available, and you will find out ways to aid eating well on a small budget.

Conclusion

With our tips for eating well on a budget, you now know that it is not too hard to eat healthy.

Also, we understand that sometimes you might not find options that help you with eating healthy on a budget diet. There are places where good food simply does not arrive, and that is sad. Still, try to aim for the best options as possible, and you will be eating well on a budget easily.


Author’s Bio:

Sherry Kimball is a consultant and been involved in many successful projects with a range of companies throughout the States. She enjoys researching, discussing, and writing on the topics of relationships on the best online dating sites, when not absorbed in the latest gripping articles. Sherry loves cooking, doing sports, and otherwise spends far much time at the computer.

Finding a Quality Single Man/ Woman from 15 Cities:

Go to Paris or London for quality men.
You won’t find gems from the countryside.πŸ’Ž
Photo by: Teddy Joseph on Pexels.com

I hope you read my reviews on 15 livable and not so livable cities! I’ll continue my personal reviews on finding quality women/ men from these 15 cities as a single highly educated person. I’m writing from a heterosexual woman’s perspective, but try to include stuff for my male readers too. I hope my assessment helps my male readers find love. 😊🌸 I changed Lisbon to Tallinn on my list because the first time I went to Lisbon was with my Finnish boyfriend and the second time was a lame 2-day work trip, so I wasn’t paying attention to quality Portuguese men. Hah. I also changed Vienna to Amsterdam because I have always visited Vienna with my parents/ sister or been too young to look for a husband. πŸ˜ƒ

I chose these cities as Part 2 for my previous blog post, because I’ve either live there or spent a lot of time there. Try to understand the sarcasm here, my blog is not super serious, okay? πŸ˜ƒ

Quality Men:

  1. πŸ‘πŸΌ Paris. Wealthy Parisian men are so different from other European countries. They are raised to be polite, international and tolerant. One handsome French guy lived on the 16th Arrs., had friends, money and looks, yet made the effort to get to know people from other social circles. He went to a low income black neighbourhood in the States, hanged out with locals and made friends outside of his posh Parisian upbringing. I never heard him make any racist/ sexist jokes and he always made the effort to switch to English if there were people who didn’t speak French.
  2. πŸ‘πŸΌ London. A mixture of people from all over the world. You can find highly educated, international and well-mannered men if you look for them. Not in basic British pubs though. 😝
  3. πŸ‘πŸΌ Berlin. Very international, young and fun. German guys are more outgoing than in other German cities.
  4. πŸ‘πŸΌ Barcelona. Intelligent, professional and outgoing men. I got waaaay too little credit for my work in a Finnish company when I handled tricky situations abroad and found even a local lawyer to help us out in Barcelona.πŸ˜… I think women can easily find good men in this city.
  5. πŸ‘πŸΌ Amsterdam. Big European cities attract quality people from all over the world. Amsterdam too even though there’s a Red Light district. Just avoid meeting men there and you’ll be good. πŸ˜‚
  6. πŸ‘πŸΌ Tallinn. I live in Finland, so Tallinn is super close by and many Estonians live in Finland. Estonian men are very polite and positive people. Very cool view of life and it’s an important quality in a man. Nothing worse than a nihilist. πŸ˜‚
  7. πŸ‘πŸΌ Sofia. I’ve never actually dated a Bulgarian man, but the culture is very macho and they protect their women. I’ve had a couple of good male friends from Bulgaria and they were very protective of me which was cute. We studied together in Finland but they left (like all my friends) for better job opportunities.
  8. πŸ‘πŸΌ Milan. Italian guys are chill.
  9. πŸ‘ŽπŸΌ Malta. It’s a bit like Las Vegas. Juvenile rich dudes enjoying sunshine and parties. Online casino guys and poker players. The lifestyle is not for people who want to settle down and have kids.
  10. πŸ‘πŸΌπŸ‘ŽπŸΌ Dublin. An Irish man gave me his phone number in a tram and was super cute. I never met with him though. Don’t remember why. πŸ˜ƒ My business college teachers were a little racist towards students from India. A little shocking to me how softly they spoke to me vs. Indian guys. As a mixed race woman, it’s not cool behaviour AT ALL.
  11. πŸ‘ŽπŸΌ New Delhi. Well I’ve never been to nightclubs or tried local dating apps, but one traditional Indian matchmaking site didn’t accept my application. πŸ˜† Maybe I sent a hangover pic, don’t remember. Oh well.
  12. πŸ‘ŽπŸΌ Bangkok. I was seeing someone in Finland when I went there for holidays, so I wasn’t really looking for men. However, I got the impression that foreign guys are there for fun, some creepy perv tourists in Khao Sang Road and local men are too shy to approach you.
  13. πŸ‘ŽπŸΌ Zurich. Conservative rich white people. If that’s you, then go for it!πŸ˜„ The rest, don’t bother.
  14. πŸ‘ŽπŸΌ NYC. Stalking rich psycho brats, cold finance dudes, trophy wife dudes and arrogant men who have too many options. There are more women than men in the city, so the dating game is favourable for men. I met some local men via a dating site as a friend of mine suggested I should try it out. I guess she was actually just joking hah, but the dates I found from OkCupid didn’t lead to anything unfortunately. I might have been over doing it, even having two dates the same day. I screwed things up with an Indian young professor guy, next time I’m in the city, I need to chill. 🀣🀣
  15. πŸ‘ŽπŸΌ Luxembourg. Obnoxious rich brats. Not very friendly towards non-European looking people. My French friend whom I’ve known since 2011 changed 100 percent when he moved there and the end result was that our friendship ended. ☹️Something in the air? Racism perhaps?🀨🀣

Quality Women:

  1. πŸ‘πŸΌ Milan. Fashionable, friendly and smart women. If you want to impress your mommy, bring a well-mannered stylish woman home.
  2. πŸ‘πŸΌ NYC. Many ambitious young career single ladies with high standards and a great sense of fashion. A lot of international highly educated women. Quality women prefer NYC because it’s great for your career, people are friendly and you never feel lonely. Great choices for men, less for women. Hint, they all hang out in Starbucks. πŸ˜‚
  3. πŸ‘πŸΌ London. A good balance of normal vs. weirdos since it’s a big city. Generally I’ve found the British to be very talkative. Shy men have a good chance of finding women here.
  4. πŸ‘πŸΌ Berlin. If you avoid the punks and drunks, you can find intelligent, open-minded and well-mannered ladies. Most quality women in the city have moved there from other parts of Germany.
  5. πŸ‘πŸΌ Paris. Parisian women can be quite catty, but there are some real gems too. The French generally raise their kids quite well, so even if the women hate you, they’ll be polite about it. πŸ˜†So dear men, don’t be afraid to ask a Parisian lady out.
  6. πŸ‘πŸΌ Amsterdam. Dutch women are very social and have no problem in approaching men. They get drunk and go for it. πŸ˜†They have a lot of success too so they are doing something right. I knew some Dutch ladies from my student years so I’m not making this up!πŸ˜ƒ
  7. πŸ‘πŸΌ Barcelona. Spanish ladies are generally fun and outgoing.
  8. πŸ‘πŸΌ Tallinn. Estonian women are elegant, feminine, friendly and loyal. Some cattiness among other women sometimes, but men don’t need to worry about that. ☺️
  9. πŸ‘πŸΌ Sofia. Bulgarian women are kind, calm and feminine. They have authentic confidence and I’m sure many men like that.
  10. πŸ‘πŸΌ Bangkok. Thai women are generally liked by Western men. Even one guy we fought over with my Estonian female friend (and we both ended up losing lol) married a Thai woman! Maybe it’s their excellent cooking skills. πŸ˜‚πŸ€·πŸ½β€β™€οΈ
  11. πŸ‘ŽπŸΌ Malta. It’s a bit like Las Vegas. Party animal tourist ladies enjoying sunshine and parties. Women are out for fun OR to recover from personal trauma (met some divorced women) in a relaxing island atmosphere. They are NOT looking for men to marry and have kids with.
  12. πŸ‘ŽπŸΌ Dublin. Everyone’s drunk. πŸ˜†
  13. πŸ‘ŽπŸΌ New Delhi. Many Indian women are very traditional and many don’t mix with foreign guys in India. If you want an Indian lady, search from Europe or the States.
  14. πŸ‘ŽπŸΌ Zurich. Conservative rich white people. If that’s you, then go for it!πŸ˜„ The rest, don’t bother.
  15. πŸ‘ŽπŸΌ Luxembourg. Rich bitch syndrome. Maybe if you’re a man who can handle that, it’s perfect for you.

As a conclusion, AVOID the countryside from any country! πŸ˜„Most ambitious singles from the countryside move to big cities anyways and the rest become baby making machines. πŸ˜‚ The world is huge, don’t get stuck. πŸŒβœˆοΈπŸ—Ί

Ambitious young single women prefer international atmospheres with great career opportunities, such as NYC, Milan and London. πŸ‘ Photo by: Andrea Piacquadio on Pexels.com

My Travel Ratings As a Solo Traveler for 15 Cities

Paris is great even as a poor student. I studied business management there for one semester in 2011. Everyone is stylish, food is great and the atmosphere is super chill.

I can adapt to many countries and locations since I come from an international background. In many cities people have mistaken me as a local like in Paris and NYC. It’s cute, but then there are cities that are not so friendly towards solo female travellers with an international background. I chose these 15 cities because I have either lived there, spent enough time to get a good understanding of the atmosphere or applied/ looked for work there. I didn’t include my short tourist/ work trips, such as Tallinn, Stockholm, Amsterdam, Nice and Prague because I wanted to make a list of cities where I have experience of most of the things below. One to five day trips don’t really give a realistic idea unless you have time to do all of the things below. πŸ˜ƒ

If you are planning to move abroad as a solo person, I have listed these factors below to consider when planning to relocate to another country. Here’s my PERSONAL list of cities where I have received hostile treatment vs. friendly and which cities are affordable. Thumbs up is friendly, fun and affordable. Thumbs down, hostile, maybe even racist, very expensive. Both thumbs is either or, good and bad. Maybe it’s super fun and friendly but way too expensive or it’s an affordable place but super boring and impossible to find a quality partner. I’ll write a separate post of finding quality partners in different cities.

Airport/ Train/ Metro:
  1. πŸ‘πŸΌ New York City, United States. Airport security and police were friendly and “welcomed me back home” and gave me chocolate. πŸ˜„
  2. πŸ‘πŸΌ Barcelona, Spain. I had extra kilos and I didn’t have to remove stuff thanks to the friendly lady.
  3. πŸ‘πŸΌ Bangkok, Thailand. Amazing customer service, felt safe as a female solo traveler and no hostility towards foreigners.
  4. πŸ‘πŸΌ Vienna, Austria. Friendly, great public transportation, no problems.
  5. πŸ‘πŸΌ Milan, Italy. Friendly, no problems.
  6. πŸ‘πŸΌ Malta. It’s a very tiny island, but well organized and safe for solo travelers.
  7. πŸ‘πŸΌ Sofia, Bulgaria. I never took the metro, but people were helpful in the tram when I asked for directions.
  8. πŸ‘πŸΌ Berlin, Germany. First time I arrived in Berlin as an exchange-student, a man helped me with my heavy suitcase (though he wasn’t airport staff). Same thing happened at a metro station, some man offered to carry my luggage up the staircase.πŸ˜„ In Munich airport the cafe guy gave me a candy bag for free and that was just three years ago. πŸ˜„
  9. πŸ‘πŸΌ Lisbon, Portugal. Friendly, welcoming and chill atmosphere.
  10. πŸ‘πŸΌ London, UK. Airport and public transport was normal, nothing especially alarming.
  11. πŸ‘πŸΌπŸ‘ŽπŸΌ Dublin, Ireland. Friendly, but what annoyed me was that you had to buy the little plastic bag for your cosmetics for 1€! The airports always give it for free so this was ridiculous.
  12. πŸ‘πŸΌ πŸ‘ŽπŸΌParis, France. The airport lady didn’t charge me for extra kilos or ask me to remove stuff. Though, some metro lines and Gare du Nord train station are full of beggers and you really have to watch out for your bag. It took a while to get used to police men carrying semiautomatic rifles at train stations. πŸ˜„
  13. πŸ‘πŸΌπŸ‘ŽπŸΌ Luxembourg. Taxi drivers were very helpful towards female solo travelers. Airport people were WEIRD as fuck to say the least. I think they are either bored or don’t have too many brown people coming around. A blonde woman with a baby and some older man were trying to peek at my phone and were staring at me like a criminal when I was waiting for my plane. Also all the signs were super confusing so I got lost and did the security check twice. In comparison to Paris where tourist signs were very clear and directions were clearly marked.
  14. πŸ‘ŽπŸΌ New Delhi, India. People are friendly, but as a female solo traveler it can be very dangerous. Men stare in a primitive way and I have actually never in my life taken public transportation there, just private cars with drivers. For female solo travelers it’s a big NO.
  15. πŸ‘ŽπŸΌ Zurich, Switzerland. Nobody helped me with my heavy suitcase even though people saw me struggling at the train station. I changed my train twice and nobody helped, just stared. Very cold atmosphere.
Nightclubs/ Restaurants/ Beauty and Hair Salons:
Malta was a fun place to live for four months in 2017. Many international students and young professionals. I’m here with French and Italian new friends. Photo by: Bacco by Hugo’s
  1. πŸ‘πŸΌ Milan. Super friendly atmosphere, easy to meet people. Though I knew people when I went there so it made easier. I got in to all the clubs and even to a private fashion party with my male model friends. πŸ˜ƒ Nice times.
  2. πŸ‘πŸΌ Bangkok. Friendly, though I didn’t visit too many nightclubs. Tourist areas were HORRIBLE. British drunks ruined that place for sure, but there were some quiet bars to sit, talk and have a drink. Tourist guided tours are good for solo travellers to meet people. Hanged out with British and German young tourists.
  3. πŸ‘πŸΌ Barcelona. Very hip city. Even though I went there for work, I spend a couple days with my friend touristing around. Easy to get around alone, safe, affordable and nice sophisticated clubs.
  4. πŸ‘πŸΌ Lisbon. Super chill, friendly and vacay mode. The beach is not far from the city, so you can chill at the beach and enjoy the nightlife in the city. Clubs are sophisticated and safe.
  5. πŸ‘πŸΌ Malta. Very young and extroverted. It’s full of foreigners. My landlord was almost the only Maltese person I hanged out with. Clubs are very cool, friendly and safe. A bit pricey however.
  6. πŸ‘πŸΌ New Delhi. Never went to a nightclub in India, but beauty salons are really good. Restaurants are amazing and yes the food is different than you get in Europe. They use very strong spices, Western stomachs need to be prepared. Indian bakeries are totally worth trying.
  7. πŸ‘πŸΌ Vienna. Small but sophisticated city. Elegant, international and calm. Nightclubs have an age limit 15, so it was fun to go when I was teenager. The Donau river is super cool in the summer. It’s like mini Miami Beach or something. πŸ˜„ You can do sports, rent a pedal boat, have delicious cocktails and enjoy life.
  8. πŸ‘πŸΌ Sofia. Friendly, top notch beauty treatments, manicures, pedicures, and cellulite salons. Nightclubs are cool and fun, but don’t go in with too many dudes. πŸ˜† Restaurants are nice and peaceful.
  9. πŸ‘πŸΌπŸ‘ŽπŸΌ London. People stare at Indian people in restaurants. It happened in two different trips with different people. Very expensive prices too, but then again it’s London. It’s worth paying and experiencing.
  10. πŸ‘πŸΌπŸ‘ŽπŸΌ Zurich. Nightclubs are safe and relaxed, very empty during the week though. Restaurants are very expensive, not for budget traveling. I stayed and cooked at a friend’s house, but for normal solo tourists I don’t recommend. It can be a bit boring because it’s very career oriented city.
  11. πŸ‘πŸΌπŸ‘ŽπŸΌ Paris. When I went with an Asian female friend to a nightclub, they let us in for free and the male bouncer complimented us. When I tried to go with a black guy, Moroccan guy and a Jewish guy to a club they refused to let us in. πŸ˜‚
  12. πŸ‘πŸΌπŸ‘ŽπŸΌ Berlin. Good is that bartenders always serve women first. Bad is racism and my Turkish guy friend didn’t get in to a club because he was Turkish. They told him “we have too many Turkish people in already”. Omg. I also didn’t get in to a club because I was “dressed too fancy”, though I heard from my friends that everyone had tattoos and black clothes in that club. 🀣
  13. πŸ‘πŸΌπŸ‘ŽπŸΌ NYC. It’s not for the poor. I had savings and friends when I went there, but nail salon ladies laughed at my discount coupons.🀣🀣 I guess Manhattan people don’t use coupons but I went as an unemployed single tourist. No rich man to give me money. 🀣 Though in my favorite salad bar Chopt Creative Salad in Manhattan, the guy making my salad noticed an older posh lady was trying to skip ahead of me and he got pissed off at her haha. A+ for his customer service and their salads!
  14. πŸ‘πŸΌ πŸ‘ŽπŸΌ Dublin. Even though the Barbie hairdressers all had dirty looks when I walked in lol, they were PROFESSIONAL enough to tell me that the highlights that I asked won’t look good on my dark base and I ended up leaving the salon looking fabulous. πŸ’‡πŸ½β€β™€οΈ Though I did have a bad experience with a hotel. I asked for dry cleaning, paid for it and they gave it to me in a laundry bag still DIRTY claiming it was clean. 🀣 I got food vouchers as compensation though.
  15. πŸ‘πŸΌ πŸ‘ŽπŸΌ Luxembourg. A chill small country, but also very expensive. I didn’t actually eat out at all except in McDonalds. πŸ˜‚ I bought fresh ready made salads from the supermarket and bakeries had affordable bread and pastries. Not for budget traveling.
The Donau river in Vienna is fun and affordable. Great sports options, holiday fun and chill bars and clubs. I’ve been to Vienna several times. This picture is from 2003 and I rented a pedal boat with my friends.
Quality of Life/ Safety/ Career Opportunities:
Sofia is a friendly city with very affordable apartments. The balconies are huge and you can find big places for less than 400 euros rent in a good and safe neighbourhood. Photo by: Sonia Jain
  1. πŸ‘πŸΌ London. If you can get a job, it’s a great city. Without a job not very affordable. The good thing is that you don’t need any extra languages, but also a lot of competition.
  2. πŸ‘πŸΌ Bangkok. Safe, friendly and clean, weather is good and food is awesome. Not sure about career opportunities for foreigners, but they are friendly towards foreigners.
  3. πŸ‘πŸΌ Sofia. You can have a good quality of life for a very affordable budget. Career opportunities are better for foreigners than for locals. Something you don’t see too often in Europe. πŸ˜‚
  4. πŸ‘πŸΌ Vienna. Safe, affordable and surprisingly fun! There are big organisations such as IAEA from the UN ( behind me in the pic), so foreigners don’t necessarily need to speak German to get a job.
  5. πŸ‘πŸΌ Lisbon. Very relaxed, friendly and clean city. Many foreigners’ favourite. Never applied for work there though.
  6. πŸ‘πŸΌ πŸ‘ŽπŸΌDublin. Depends on the neighbourhood, but my student apartment was very expensive and brand new, next to the new tram line and my college. In the end of the road, however, were drug dealers. πŸ˜†It was very scary at times and there were many young hooligans. One of my Asian classmates had kids throw rocks at her. Career opportunities are really great though, many big corporations such as Microsoft and Oracle.
  7. πŸ‘πŸΌ πŸ‘ŽπŸΌ Berlin. Very vibrant city, super cool, fun, affordable and safe, but a bit hostile towards foreigners. A lot of punks with big dogs. It’s better to know German if you look for work.
  8. πŸ‘πŸΌπŸ‘ŽπŸΌ Paris. I LOVE Paris, but career opportunities are a bit narrow if you don’t speak French.
  9. πŸ‘πŸΌπŸ‘ŽπŸΌ Zurich. Safe, clean and rich, but you need to speak German, French or Italian for job opportunities. Not a place to live with a small salary.
  10. πŸ‘πŸΌπŸ‘ŽπŸΌ Luxembourg. Safe, clean and rich, but you need to speak French for better career opportunities. Not a place to live with a small salary.
  11. πŸ‘πŸΌπŸ‘ŽπŸΌ Malta. Super cold inside the apartments in winter. The apartments are built from some rock material, the moisture builds in and most of them don’t have heating in all rooms. I lived in two different apartments and my bedrooms didn’t have heating! Career opportunities for foreigners are good but a bit limited to online casinos and banks.
  12. πŸ‘πŸΌπŸ‘ŽπŸΌ NYC. NYC is one of my favourite cities with amazing food, people and fashion, but it’s a SUPER competitive job market. It’s a challenge to look for work there because it’s also very expensive. The customer service jobs don’t pay enough for rent. You need a really good job to survive and then it’s great.
  13. πŸ‘πŸΌπŸ‘ŽπŸΌ Milan. Friendly, fashionable and chill. Not very cheap either though. Salaries are not very high compared to Finland for example, yet the prices are almost the same.
  14. πŸ‘πŸΌπŸ‘ŽπŸΌ Barcelona. It’s a safe city, but again, expensive and salaries are small. Never applied for a job there but heard complaints from locals. Many (corporate) jobs require you to speak Spanish.
  15. πŸ‘πŸΌπŸ‘ŽπŸΌ New Delhi. It’s friendly and amazing for tourists, but for settling down for Westerners it might be a bit much. Women can’t walk around alone late in the evening and there’s generally less freedom than in Europe. Never applied for work there, but Indians are very friendly, open-minded and respectful towards foreigners.

So as a conclusion, the winners for the most thumb ups are Bangkok, Sofia and Vienna! Vienna was actually my favorite city for a long time until I went to Paris and NYC. πŸ˜„ Sofia is a place I could definitely live in, the weather is great and I blend right in as people are very mixed. Thailand is a favourite for many people. The perfect city is very hard to find and of course everything is more fun with a good job and money. For more fun, avoid going to nightclubs with a bunch of dudes! πŸ˜†πŸ˜‰ If you’re a dude, go with five girls and you’re good! ☺️

Thailand was great as a solo traveler! It is safe, friendly and affordable. This was my first SOLO trip abroad without any friends, family or colleagues in 2015. People are very friendly and lots of cultural activities to see and do. Be aware of how to dress though. Trashy tourist look with micro shorts and a tank top isn’t acceptable in temples.

The Best Places to Meet People for Long-Term Relationships

COVID-19 has made dating a bit tricky, but the good thing is you get to know your date well before getting serious. (Photo by Gustavo Fring on Pexels.com)

Gyms, nightclubs, bus stops, friends or family?? I have collected a list based on my OWN social circle where my married friends or people in long-term relationships found a partner. Some of them are also where I found a boyfriend, though they didn’t last LOL. So I’m emphasizing my highly educated social circle who are married or in a long-term relationship with kids and shit.πŸ˜ƒ So I can’t vouch for everyone to find a partner from these same places, but they if you need ideas where to start looking, here are some good options:

  1. Match.com. Forget about Tinder. I never tried it and never will. Everyone knows it’s only for sex.πŸ˜† Check paid dating sites with serious people. Our old family friends from the States have a son who went to Yale University and he found his lawyer wife from Match.com.
  2. Newspaper ad. The Tinder of the 80s, lol.πŸ˜‚ My parents met through a local newspaper ad when they both lived and worked abroad in the 80s in Israel.
  3. Work. My sister met her husband at work and they are married with two kids now. I also met a cool guy at work once and had a couple of dates with him, but like most cool people, he left Finland for a better job and a more international atmosphere.😫 The key, however, is that after you start dating, go work in different companies. Even an ex-colleague of mine told me my job was previously held by his wife, but she left the company for another job after they started dating.
  4. Friends. I met my first boyfriend through friends when I was sixteen. I asked my friend if he knows any hiphop/breakdancer guys and he invited me to a party where I met my first boyfriend and it’s actually my longest relationship so far, 1,5 years. Lol. I’ve since him met other guys through friends, sadly many of them, again, left Finland. I would suggest though to make friends with the people who you are interested in dating. If you want to date a football player, find football player friends to hang out with or if you want to a date model girl, find guys who date models. Don’t try to befriend female models directly as a guy (too obvious), just find the guys who already hang out with them or their non-model female friends. Two of my high school friends married men they met through our mutual friend group. Also, many of my sister’s friends found husbands through friends.
  5. Family. Don’t underestimate your family. They know you well and what you like and dislike. As long as there’s no hidden hostility, you should at least try to go out with their pick. My dad picked a perfect man for me once, but unfortunately the perfect man didn’t want me. Oh well, next. πŸ€£πŸ€·πŸ½β€β™€οΈ
  6. Hobbies, mutual interests. Just like your friends who you hang out with because you like the same stuff, hobbies, volunteer organisations and charities are great places to meet like-minded people. My friend found her boyfriend from a language class. This is also a great way of meeting international people and foreigners if local guys aren’t your thing. I don’t recommend going to talk to a woman at a gym though.πŸ˜„ It’s a bit of a cliche and I find it disturbing, juvenile and awkward. It happened to me twice and obviously it didn’t go anywhere. It’s a different thing if you approach the woman/ man OUTSIDE of your gym, like in a cafe nearby etc., but most people do not like to be disturbed while looking like crap and working out. πŸ˜„
  7. High school, college, university. My sister’s husband’s sister found her doctor husband from medical school. Several of my old classmates started dating in college and ended marrying each other. Though none of my old classmates invited me to their wedding. πŸ€£πŸ˜– My cousin in India married her classmate from medical school and they are both dentists now. My sister from my American host family in Minnesota married our high school classmate a few years later after I had finished my exchange-student year there.
  8. Exchange student semester/ year abroad. Two of my business college friends found love in Paris. One got married with kids and the other one I’m not sure, she lost contact with me. I wasn’t so lucky in my study abroad in Paris, but did meet a very cool French man more than ten years ago in my exchange semester in Berlin. It didn’t develop to anything long-term, but we’re still Facebook friends.

I hope this helps and if you have more places where you met love, I would love to hear them! Stay safe and healthy everyone! 😊

Travel with a 100€ ($117) budget to Tallinn

Tallinn city view from Sokos Hotel Viru rooftop, 23rd floor, KGB Museum. Photo: Sonia Jain

Depends where you live, but a quick trip to one of your neighboring countries or states refreshes your mind and makes you happy. In Europe, it’s relatively easy and affordable to visit your neighboring countries. So I decided after a dreadful 2 YEARS 4 MONTHS without a single trip abroad that I’m going to Tallinn, Estonia with a 100€ ($117) budget. I went alone because I don’t have many friends and the ones I have were working. πŸ€“ It was a quick one day trip, left my house at 8.30am in the morning and came back at 11pm.

I think not travelling for almost two and half years blurred my brain and I fell for all of the tourist traps in Tallinn. LOOOL. I was like a countryside person traveling for the first time.πŸ˜‚ Anyhow, here’s how I spent my budget and you can also watch my travel vlogs (links in the end):

  1. 14€ ferry with return. Day trips are cheaper from Helsinki to Tallinn. Book in advance.
  2. 12€ bus/ tram with return to go to the ferry from my apartment.
  3. 2,90€ Coke Zero in a cafe in the ferry. I quit drinking alcohol three months ago.
  4. 15,50€ lunch with tip. I had black truffle risotto with sparking water. I went to one of the most expensive tourist areas because I was a hungry tourist.🀣 Another tourist trap, because you can find much cheaper places if you search a little. Though I really loved the food, service and interior design of Rado restoran. Even the bathroom was like an art gallery! You can check my Instagram for pictures.
  5. 5,60€ coffee and cake in a cute little cafe, Saiakangi kohvik. Also in the Old Town tourist area, but very relaxed and peaceful atmosphere. Nobody stares at you even as a brown woman!! πŸ˜‚
  6. 5,50€ vegan wrap take away dinner. After my coffee and cake, I realised I don’t have much time to sit down for dinner before my ferry left, so I just decided on the quick and easy option and ate my vegan take away wrap in the ferry. I found a nice public sitting area with tables and a window view.
  7. 10€ bike taxi. It’s a tourist trap! The price depends where you go, but going to the Old Town can be up to 25€ for two people. Solo travelers don’t have boyfriends to pay for their travel costs, but we do have the advantage of negotiation skills.πŸ˜ƒ By the way, you can walk to the Old Town from the harbour in 15-20min.
  8. 12€ KGB museum at Sokos Viru Hotel. It’s a tourist trap! Even though you get a guided tour for one hour, the museum itself is very small, only one room, lobby and two rooftop balconies that are worth the view though. You also get a soft drink for 1€ from the hotel lobby. If you’re tight with time and money, skip this one. The tour guide was very funny though, so if you feel lonely as a solo traveler, this is a good option to spend your time and possibly make new friends! πŸ™‚
  9. 5€ KGB prison cells. Definitely worth it. It’s also a small museum, but very informative and you can read all the information from the info boards on the walls and listen to the info videos. If you have any questions, the museum person was a very friendly young Estonian guy. Bonus, a creepy prison toilet for tourists! πŸ˜„
  10. 8,80€ for candy!! The ferries are full of booze, cigarettes and candy. Very healthy haha.πŸ˜… Sometimes you can treat yourself though and candy was kind of my only option. Maybe my next trip will be to Bali beach with fresh fruit and smoothies. Though that won’t be budget traveling and for my current budget. Unless you buy my budgeting guides I can start saving. πŸ˜‰

Here’s my short Youtube video (1min 52sec) of the trip: https://www.youtube.com/watch?v=jDxc5LnJluc . If you don’t want to hear me speak, I made one with music (1min 34sec). πŸ˜ƒ https://www.youtube.com/watch?v=nYAnZGXNSuA . πŸ˜‚πŸ‘πŸ½

What to Buy When Your Weekend Budget for Grocesories is 20€ ($23,60)

So my weekend budget is 20€ ($23,60). πŸ˜ƒWhich groceries did I buy and did I leave any money to go out?

Here’s what I planned before I went to the supermarket and what I bought for the whole weekend for myself and my cats:

  1. Plan your meals for the whole weekend. Breakfast, lunch, dessert, dinner, drinks and evening snacks.
  2. Salad, carrots, cucumber. I had potatoes, tomatoes, onion, olive oil, salt, and two cans of kidney beans at home. So all these ingredients together will make a salad of 3-4 portions.
  3. Crispbread. I use crispbread as crutons for my salad and you can also eat it with butter as breakfast. If I make soup, crispbread is perfect to crumble on top of it or eat it with butter with your soup.
  4. Cat food. My two cats share one 80g wet food portion per one meal, sometimes 50g portion. If you don’t have cats, use that money to buy food items that last for a long time and can be used for a variety of dishes, such as canned beans, tomato sauce, pasta, noodles, rice.
  5. Flavored tofu. It doesn’t need any extra sauce, just maybe onions and some soya sauce. Serve with rice. One tofu package makes two meals.
  6. Soya milk. I mix it with my coffee, cereal, smoothies and protein powder mix.
  7. Frozen mangoes. I had bananas in my fridge, so I can make 2-3 smoothies (5dl/ 2 cups per smoothie) with one frozen mangoes package, two bananas and soya milk.
  8. Flavored sparkling water 1,5l and one ice cream. Everyone needs a treat and 1€ ($1,18) vegan ice cream is great when you’re on a budget. Since I quit alcohol, I started drinking flavored water and it’s a nice refreshing tasty drink with low sugar.

I spent 19,00€ ($22,48) so I have some change left for another dessert if my sweet tooth aches again this weekend. No money left for partying, but it’s ok since Helsinki nightlife is super BORING and small scale compared to NYC. πŸ˜‚ Anyway, happy weekend everyone!! πŸ˜ƒ

Glamorous Sonia’s weekend salad within a budget. πŸ˜‰πŸ₯—πŸ’°Photo: Sonia Jain

Men Who Use a Number Rating Scale for Women

Not sure if there are “10s” men or women reading my blog, but I’m most definitely not one according to these douchebag’s scales. πŸ˜‚πŸ˜‚ These douchebags rate women from 1-10 and there are THOUSANDS of videos online about this.

I had one guy tell me once that he thinks he is an eight. I was just quietly thinking, where does he rate me in his scale? AND do I even want to know?πŸ˜‚ Needless to say, it never worked out. Since him, I’ve come across MANY more men who use these scales and share videos of misogynist dating videos where rating women’s looks is a number one priority. I’m not exactly sure what men include in their number nines and tens, but I would assume good conversation skills and a Master’s degree aren’t a requirement. 😝

Here’s a quick list what these douchebags think and why you should AVOID being one or dating one:

  1. Women are the problem. These men who rate women by number scales are picky and are sure to let the world know that women are the problem, not them. The best way is to simply change the scenery for new people and a variety of personalities instead of blaming ALL women. A new country, city, school, job etc.
  2. Donald Trump rates women by numbers. Yes, Melania is a ten, but so were his previous two wives. Well until they hit 40. Ironically, he is not even close to a two in his own rating scale. Let’s also not forget what he said about Heidi Klum. πŸ˜‚ (https://www.latimes.com/entertainment/gossip/la-et-mg-donald-trump-heidi-klum-not-a-10-anymore-20150817-story.html). It’s not enough to get that perfect woman, she also needs to respect you. πŸ˜‰
  3. Men think perfect body, face, skin, teeth, hair, age. It’s that simple for men who rate women on number scales. Purely looks and age. Here’s an interesting idea for a social experiment. What would happen if this type of man came across two “10s”, one would be a doctor and the other one would be a cleaning lady. Which one would he pick? πŸ˜‰
  4. Women think status, job, personality, looks. For smart women (and men, I hope lol) a nine and a ten is a combination of personality, education, job/ status, fatherhood skills, international experience and looks. Let’s face it, less attractive men have lower self-esteem because men THEMSELVES have created beauty standards for everyone worldwide.πŸ˜†
  5. They use CHEAP tactics. So to attract a “10” with a shitty personality and a beer belly, they use money, power and mindfuck games where they lower a woman’s self-esteem to match their own worthless loser identity. With money of course anything is possible.
  6. People who CATEGORIZE everything have a low IQ. Think “cat people” and “dog people”, “introverts” vs. “extroverts” but if you’re both you’re an “ambivert”.πŸ˜„ I mean for research purposes you need categories, but for normal people to categorise everything makes it easier for them to process large amounts of stimulus, because they’re not very intelligent. Unfortunately, most categories simplify people and leave out a lot of important information of those people, therefore not being accurate data.
  7. Men who rate women from 1-10 think women don’t poop. Yes, this is a myth for men who think women are perfect dolls. You really can’t have a relationship with a man like this. What are you going to do, avoid using the toilet for the rest of your life?πŸ˜†
  8. They are SUPER insecure. Even if these men are 9s or 10s, there’s something about them they are really insecure about. Personality disorder, money, friends, intelligence level, travel experience, childhood bullying. Who knows. We ALL have our insecurities, but most women tend to not project their insecurities on men because we’re so used to blaming ourselves for everything like the society has taught us. So be kind. 😊
  9. Rating scales won’t help anyone in the long run, especially the men. Women are not the losers here, men are. When men chase the perfect looking women, they ignore everyone else. In the worst case they end up alone but most commonly an average looking guy who get’s “a 9 or a 10” will end up being her puppet because she knows her power. πŸ˜€ I’ve come across several divorced men who got wiped out for every penny they were worth by these “perfect” women. Loool.
  10. Women can also be too picky. We all have our standards and women can also have too high standards and end up alone. I’m still single, but I believe my standards aren’t too ridiculous, not looking for 9s and 10s. The problem is that I’m searching for a country I would be the happiest to settle in, because even with a perfect ten, the wrong environment will make you both miserable.

So as a conclusion, it’s not worth rating women or men with a number scale. You’ll set ridiculous expectations for both of you and expectations never made anyone happy. πŸ˜‰

Giving a thumbs up or down for a potential long-term partner is not very smart. (Photo by Pixabay on Pexels.com)