The Future of Filipino Shoppers

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Fueled by the continuing advancements in mobile and digital technology, the retail industry is being reshaped into a bustling online global bazaar right before our eyes, and more aptly in the palm of every consumer's hands.   The Rise of Mobile Shopping   The introduction of e-commerce 40 years ago has the paved way to a gradual but very noticeable shift in customer preferences towards online shopping.   Case in point, brands report 73% sales from their websites, a close race with in-store’s 79%, according to the PwC Global Total Retail Survey 2017. Surprisingly, mobile app sales pale in comparison to the two channels at 25%-barely beating catalog sales at 24%.   Heightened Customer Expectations   The PWC Survey gleaned that 37% of shoppers globally use their mobile phones to pay for purchases online, 44% use it to research products, while 38% use it to compare prices. With mobile shopping steadily gaining more traction, so is the … [Read more...]

Scary Financial Moments and How Millennials Can Survive Them

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Halloween stories are aplenty these days. You might have that friend who has a third eye and sees things that are out of this world or one who keeps dreaming of being chased by zombies and wakes up with anxiety attacks for fear of the walking dead. OK, the second one is probably due to binge-watching on Netflix or your local cable. The point is, listening to these stories is enough to bring chills down your spine. Pretty much how you feel upon finding out that your credit card has been suspended, at a time when your days of absence at work are going to cost you major cuts in your next salary. Seriously, could things get any worse? That’s not quite impossible, especially if you’re part of today’s generation of millennials who may be too naïve to learn how to avoid the pitfalls of mismanaging one’s money. While financial problems could happen to anyone, you could make a resolution to be wise on how you spend. The goal is to spare yourself from coming face to face with these … [Read more...]

7 Smartphones You Should Get This Holiday Season

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Everyone’s favorite time of the year is here! What better way to spend the holidays than by getting yourself or your loved one a new gadget? Smartphone companies have been adding new devices to their product lineup to lure customers into purchasing the latest phone iteration just in time for the holiday. We made the rounds to let you in on what’s the coolest gadget worth checking out this Yuletide season. iPhone 8 / 8 Plus   (Image Source)   The iPhone 8 and iPhone 8 Plus are ditching the aluminum body for a glass back form factor to allow wireless charging. This technology can come pretty handy as you can still use your phone while it’s charging. You’ll also love the True Tone feature, which uses the phone's sensors to match screen color temperature with the surrounding’s lighting conditions. Your phone can determine the brightness and intensity of white light you need to help you look comfortably at your screen whether you’re in your bedroom or at the mall … [Read more...]

A Holiday Guide to Planning Your Year-End Vacation

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Before closing the curtain on 2017 and getting back to the daily grind for another 365 days, a refreshing holiday get-away should be in order, don’t you think?   Although there are still three months before the New Year, you'd be wise to start planning now before every room in every hotel or resort get booked for the upcoming holidays. To help you make sure that your holiday plans don’t remain as plans, here’s a step-by-step guide in planning your year-end vacation.   Set Your Destination   While this is the first and most crucial step, it may also be the most difficult task for various reasons such as having an extensive list of places you're eager to check off your bucket list and you can't decide which one to choose, or you absolutely have no idea where you want to go.   So, where do you want to go? To answer this general question and narrow down your destination options, it might help to ask these specific questions … [Read more...]

Bad Financial Habits to Break Before the Year Ends

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As 2017 comes to a close, it’s time to turn over a new leaf and get rid of all sorts of bad habits, financial habits, included. From spending more than you earn, unnecessary and impulsive purchases, taking from your savings, making late payments, not tracking your expenses, and not putting money to the side—all those money mistakes you’ve been guilty of this year must come to an end. If you want to be financially stable in the future, then having good financial habits should start now. Not to mention, be caught up in money woes should an emergency arise. Start preparing for your future by taking control of your expenses. Here are some bad financial habits you need to break before the year ends: Spending More Than You Earn You are spending more than you earn if you have a little money left at the end of the month. But, you can put an end to this habit by budgeting your money to make sure that your income covers all your expenses, while still having some left for savings … [Read more...]

Top Gaming Consoles to Pawn and How Much They’re Worth

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These days, buying a gaming console can cost you a fortune. However, it comes with perks as well, especially if you’ve run out of cash and decide to make good money out of it through online pawning. Since gaming consoles are a hot commodity, many people – young and old alike – are investing in them, buying the latest iteration that comes out from their manufacturers every so often. This gives gaming consoles a fairly high value when you bring them up for pawning. They can fetch thousands of pesos, depending on the brand, model, power, and features that go with them. If you’re wondering how much you can pawn your gaming console, the following list can give you some pretty clear idea:   Sony PlayStation 4   (Image source: Playstation) The Sony PlayStation 4 is the successor to the PlayStation 3 and was released in the latter part of 2013 for most countries in Europe, Asia, and North and South America. The original PS4 was later called the PS4 Slim with Sony making … [Read more...]

How to Manage Your Monthly Income Using the 50/30/20 Rule

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Budgeting may be a painstaking task, but people who practice it swear it works for them. Just look at budget-conscious folks in your circle. They seem to be doing better financially with very little debt on one hand and a considerable amount of emergency funds on the other. Since budgeting is deeply ingrained in their system, you can almost be sure that they will be enjoying a financially stable life in the future. Considering that they have their own share of expenses, you might wonder how they budget their income effectively. The key is to come up with money-related strategies that will work for both your means and needs, whether it’s getting a short-term loan through online pawning or the 50/30/20 rule in budgeting.         Step 1: Calculate your net income It might not be possible to determine up to the last centavo how much you’ll be earning at the end of the month, especially if you’re self-employed or managing a business. However, you … [Read more...]

How Not to Worry About Money in the Future

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You probably dream about spending and not worrying about money. Then again, it’s not easy having day-to-day expenses and not having much money left over. Fortunately, you can worry less about money and spend as much as you want, although it might take a few years before you can achieve this. However, with the right amount of discipline, you can make this happen and achieve financial freedom. Minor changes in your spending habits now can help you reach your goals in the future. You don’t have to be earning lots to have a great future. You just need to know how to handle your expenses and learn to save. Start now and worry less in the future. Here’s how:   Have Multiple Sources of Income   Even if you have a full-time job, you can always try working for extra income. You can freelance as an analyst, consultant, or virtual assistant. You can even rent out your property or have a small business on the side. If you have valuable items you no longer use or want, … [Read more...]

Top Android Phones to Pawn and How Much They’re Worth

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Android phone owners, rejoice! You can now turn your mobile devices into quick cash by pawning them the next time you need extra funds for minor to major expenses. Yes, gone are the days when Android phones are not included in the top items to pawn, leaving you frustrated, disappointed, and worst of all, still out of cash as you step out of the pawn shop. PawnHero’s online pawnshop lets you borrow some badly needed cash in exchange for your Android device. Its high-value appraisals should help tide you over until you’re able to recover from your financial slump. Without further ado, here’s a low-down on top Android phones that you can bring to PawnHero and how much they’re worth: 1. LG LG tried to challenge other well-known smartphone brands by releasing the LG G6 and LG V20 as its flagship devices for 2017 and 2016, respectively. The phones have a 5.7-inch screen, 4 GB of RAM, and dual cameras. LG G6, being the current flagship, uses the Snapdragon 821 processor compared … [Read more...]

5 Challenges Holding You Back from Achieving Financial Freedom

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Whether you’re single or married with kids, you have day-to-day expenses to think about. You pay for bills, your daily commute, food, gadgets, and so much more. But of course, you don’t want to worry about what’s left in your bank account every time you spend. Everyone wants financial freedom. When you’re financially free, you can purchase an item without it being on sale, retire earlier, focus on a career you love, take up a new hobby, and travel in different places. However, some challenges might get in the way of you achieving your financial freedom. But, there are ways to overcome them, such as learning to control your expenses, planning for your future at a young age, not accumulating huge amount of debts, and even considering online pawning when short during emergencies. Understand the challenges that hold you back from achieving financial freedom, so you can avoid and overcome them. Poor Money Management via GIPHY Budgeting your money can take a while to … [Read more...]