A Parent’s Guide to Saving Up for Children’s Education

In the words of Nelson Mandela, education is indeed the most powerful weapon that one can use to change the world. Needless to say, education is the primary key to success that relatively plays a vital role in shaping one’s future. The knowledge that one can attain from education serves as the backbone of many practical and theoretical decision-making processes that one may encounter, and at the same time, it opens doors to many opportunities as one goes through life. Since all parents want nothing but the best for their child/children, providing them a quality education is the key to making them enjoy all the fine things in life and mold them to be successful as they grow. However, the cost of education here in the Philippines is changing over time. Then again, nothing can ever replace the cost of missing out on education and its implications on one’s life. Planning and saving up for your child’s future education even in their young years will help take the pressure off you … [Read more...]

The Back-To-School Realities We’ve All Experienced

Summer has come and gone, and your vacation is over. It’s time to go back to school. While most children would grunt and groan at the thought of going back to school, some are excited about it. Parents, on the other hand, may be anxious about the fact that their wallets and bank accounts are going to take a hit. However, this is coupled with the excitement that the kids are going to be out of the house for the most part of the day once school starts. Stay-at-home moms will have more time to themselves during the day, and working parents can head off to work right after sending their kids to school. Everybody’s going to be busy when school starts! But first, there are some realities that both students and parents need to consider. 1. Shopping for new school supplies is the most exciting part. Both small and big kids look forward to shopping for new stuff before school starts. Some families don’t like scheduling their shopping day during the back-to-school rush. However, it’s … [Read more...]

5 Best Ways to Help You Pay Your Tuition Fees

As tuition fees hike every year, it is increasingly difficult for some students and families to pay for their education. On May 29, 2017, the Commission on Higher Education (CHED) approved the tuition fee increase of 268 private colleges and universities for school year 2017-2018. The average increase in fees is slated at 6.9% or ₱86.68 per unit. Whether you’re a new couple preparing for your baby’s future, a parent struggling to pay for your child’s education, or a working student trying to make ends meet, you have multiple options available for you. You can save money, adjust your budget, apply for a scholarship, get a bank loan, or go to an online pawnshop to get funding. We’ve gathered the best tips to help you pay for your or your child’s tuition fees. Read on to learn more. 1. Save early. This is the golden rule for anything that has to do with a big purchase or investment. Determine how much you need every year, plan ahead, and structure your finances early on so that by … [Read more...]

6 Best Laptops for College Students

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Nowadays, it’s hard for students to survive college without having personal laptops. Apart from projects and reports to submit, there are also tasks from student activities that they want to take part in. For college students, it’s not about having just any laptop or the most powerful laptop there is. Considering your major when looking for the best laptop for college can boost your productivity and help you get the most out of your personal computer. If you’re on a strict budget, look at an online pawnshop or a used laptop marketplace to find the most appropriate laptop for your college life. To have an idea of what you should be looking for, check out this list of the best laptops for college. 1. Apple MacBook Air Price Point: ₱50,000 – ₱65,000 (Image source: CNET.com) Apple proponents will tell you that you can never go wrong with a MacBook Air. It’s powerful, portable, and boasts of a 12-hour battery life. You don’t even need to bring a charger when you’re in school … [Read more...]

8 Realistic Financial Goals and Ways to Achieve Them

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With so many things to do, places to see, and bills to pay, your wallet and savings will be put to the test. Before accomplishing your life bucket list, you have to make sure your financial savings are all set not only to accommodate your wants but also prepare for the rainy days. But first things first, you must plot out specific financial goals and match it with your financial capabilities. In a previous World Bank study entitled “Enhancing Financial Capability and Inclusion in the Philippines,” Filipino respondents received a rating of 45% in financial literacy quiz, which means that Filipinos’ financial management and habits are still average. No matter what age set you’re in or how your lifestyle goes, the need to save money and be financially aware is a must do. While saving money is a tough deal when you’re living paycheck to paycheck, you can counter it by saving little by little.     1. Have no debts – If there’s one thing you’d feel good for … [Read more...]

5 Reasons Why You Should Earn A College Degree

  Why is pursuing a college education very important? For one, it will open many doors of opportunities for your career and growth as an individual. That, plus all its other benefits, will last you a lifetime! That's a pretty good deal if you ask me. Truth be told, many of us come to a point in our lives when financial circumstances get in the way of finishing our education. In such a case, would it be better to skip school entirely and start a career early? Working may seem like a better option because, let's face it, who doesn't like earning money at a young age, right? There, however, lies a problem. Securing a good career in the field you want or in any field for that matter, means competing with other candidates who have bachelor degrees in this and that and whatnot. Now, guess who your dream company will prioritize for a vacancy. Don't get me wrong, getting a job that pays adequately can help you get back on your feet. But it has to be temporary! If you can make it … [Read more...]

Identify and Avoid Loan Scams: Here’s How

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Loan scams are rampant everywhere. These may involve payment of fees for a loan that “lenders” promise to grant, but result in fraud or taking something from you either in the form of cash or personal information in the end. But no matter how much you warn people about loan scams, a significant number of people still fall prey to this fraudulent act. And the reason is quite simple: people dealing with money problems can easily get swayed by all kinds of deals. Further, since many loan scams transpire online nowadays, Malaysians are dubbed to be the most vulnerable to being victimized. A survey made found that almost 50 percent of the respondents have had a history of getting tricked by fraudulent practices on the internet. In the Philippines, economic and cyber crimes are prevalent, too—with reports saying that the country ranked seventh as the most attacked country on the mobile platform. Despite the bleak scenario, there are signs that give away that you may be dealing with … [Read more...]

5 Designer Bags that Are Worth Investing

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A fashion ensemble is never complete without stylish accessories. For the ladies out there, it could be an heirloom jewelry, a lovely piece of scarf or hat, or an exquisite pair of shoes that complement the outfit even more. While clothing trends change rather quickly, the same cannot be said for quality accessories. That’s why it’s good to invest in top-quality fashion items that defy changing seasons and fads. There are designer bags, for example, that never go out of style, and even rack up value in an online pawnshop as time passes. If you’re willing and ready to splurge on fashion assets, the following brands and styles of designer bags might just be what your collection needs:   Balenciaga Image Source The Balenciaga label has been around since 1915—making it a classic in its own right. To give the vintage a modern twist, Balenciaga creators use soft and light yet durable leather to make an old, familiar thing look fresh and new. The distinctive leather … [Read more...]

A Millennial Guide to Getting Personal Loan

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  #Adulting has been a buzzword among the millennials, and is often used in a witty way to mean taking charge of your own life, doing grown-up things, and holding responsibilities. From having a job, paying bills, ensuring that your car is in good, working condition, undergoing certain medical procedures, planning some home improvement activities, achieving financial independence, and so forth. But if you would be honest, #adulting is so much more than a millennial jargon. It’s an inescapable reality just like having expanding waistlines and thinning hair, and admittedly, it’s no less scary than the latter two. Unfortunately, there’s no denying that only a few grew up truly prepared to #adult, particularly when it comes to handling finances. As a Filipino millennial yourself, you know very well that you still have a lot to learn when it comes to your financial health and spending habits. More so, that it takes time to truly take control over this large part of your … [Read more...]

What Your Luxury Watch Says About Your Personality [For Men]

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Men like flaunting their ware too, luxury watches especially. That piece of accessory is like a trophy earned—not to collect dust or be kept in a cabinet, but to be displayed in all its lustrous glory. Just like women, men want to be recognized as fashion icons in their own right. And more interestingly, men’s choice in watches can be quite telling not only when it comes to their social status or economic wealth, but also to their personality. Not convinced yet? Here’s what we learned about men giving much ado about these highly-valued timepieces: Rolex – You’re a “work hard, play hard” type of guy Image Source: Someone who works hard and wants to appreciate the finer things in life can’t go wrong with a Rolex. This classic brand gives our kind of guy all the things he desires: top-of-the-line quality, instant recognition, and the satisfaction of an excellent and timeless buy. Patek Philippe – You’re the gentleman with a vision and flair for business Image Source: A … [Read more...]