How to be Financially Ready for the New Year

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Being financially ready is a sign that you're responsible, mature, and completely independent. However, it's extra special to be financially ready when the new year comes because it can be a part of your new year's resolutions. The new year symbolizes a fresh start for everyone, so now is the time to evaluate your finances and get yourself on track for 2018. Follow these smart ways to handle your finances this coming year. Assess Your Income Whether you’re a full-time employee, a business man or entrepreneur, or a freelancer, it’s important to assess your monthly income. List down all your earnings to determine how much money comes in every month. This will help you create and maintain a realistic budget for the new year. If your income is irregular, then list down how much you earned for the last three months to get your base monthly income. For instance, you earned Php40,000 in September, Php50,000 in October, and Php45,000 in November. Use Php40,000 as your … [Read more...]

7 Tips for Stress-Free Shopping

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Shopping is something that we usually do to relax and get our minds away from stressful situations. But, as Christmas is rapidly approaching, malls and shopping districts are increasingly becoming tight and crowded. As much as you want to avoid the Christmas rush, you need to finish your shopping in time for Christmas eve, so you’re planning to just power-through and endure the crowd and traffic. But, you don’t have to because you can have a hassle-free holiday shopping experience with these tips. Make a List If you plan to hit the malls and just buy whatever you can find, then you may find yourself forgetting someone or something and end up going back to the store numerous times. So, do what Santa does – make a list of everyone you’d like to get a present for—from your co-workers and friends to the most important people in your life. Prepare your Budget Prevent yourself from overspending not only for gifts, but also for Noche Buena by creating a … [Read more...]

7 Sidelines for Extra Cash This Holiday Season

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The holiday season is a festive celebration, especially for Filipinos who go the extra mile to make Christmas and New Year special for the whole family. Not only do we burn a hole in our wallets to give our loved ones Christmas presents, but we also splurge on festivities for Noche Buena and Media Noche. That’s why it’s important to have sidelines or side jobs that can help you earn extra income to spend this holiday season. Here are some ways you can make extra money this Christmas and New Year. Get Freelance Jobs It’s the gig economy, and there are hundreds of freelance jobs available on the internet such as Freelancer, UpWork, Fiverr, GetCraft, and more. You can be a web content writer, graphic artist, or virtual assistant. Ask your friends and colleagues if they know someone looking for part-timers as well. Join social media groups on Facebook and let people know that you’re looking for a job. You can also search job boards and social networks for freelance … [Read more...]

Best Christmas Gifts for Gadget Lovers

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It’s the season of giving, and there’s no better way to do it than by picking out the perfect present for your loved ones. Before you scour the mall shops, e-commerce stores, or online pawning sites, make sure you know what kind of gadget a real tech buff appreciates. Here’s a list of Christmas gift ideas for your tech-savvy friends, family members, or significant other. It’s categorized to help you choose which ones your loved one would appreciate more. Laptop (Source) MacBook Air (₱53,990) The MacBook Air is one of Apple’s sturdiest mid-range notebook computers. It’s lightweight and boasts of a 12-hour battery life. This is perfect for everyday computer use, especially for home-based freelancers who need a reliable computer they can take anywhere they feel like working! (Source) Lenovo Yoga 900 (₱69,999) Lenovo is known for its forward-thinking designs, and the Yoga 900 is one of its sleekest 2-in-1 laptops. It also claims to be the world’s thinnest* Intel® … [Read more...]

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...]