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...]

9 Best Designer Bags to Pawn and How Much They’re Worth

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Although It’s true that you can own too many bags, there are times when you just want to get rid of the ones that you barely use. It is either filling up your closet and you have nowhere to place it, or you probably bought it just because you feel like it. Good thing there’s PawnHero, an online pawnshop in the Philippines, where you can pawn your bags that you don’t need or use anymore at a very reasonable price. Here are some of the designer bags that you can pawn and how much they are worth.   1. Louis Vuitton Speedy 30 Dubbed as "The Perfect Bag for The City," Louis Vuitton's The Speedy is one of the brand's iconic bag design. It appeals to a lot of women due to its simple lines and chic Monogram canvas. Estimated loan value: P14,250   2. Louis Vuitton Neverfull MM Louis Vuitton's Neverfull is another iconic design of this brand. It also contains a removable zippered clutch which can be used on its own or as an additional pocket for the … [Read more...]

6 Best Watches to Pawn and How Much They’re Worth

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It’s true that you’ll almost feel naked and bare when you forget to wear your watch. It’s such a day-to-day fashion staple that you put so much value to it. You can personalize it depending on the overall look, watch & strap size, color, and design. However, you can get more value to it when you decide to pawn it. Below are some of the best watches that have the greatest pawn value: Michael Kors   Image source: Michael Kors)   With an estimated loan value of P3,750, a Michael Kors watch is sparkly and glitzy on your arm and at the pawnshop too. This watch brand is known for designing watches with jewels. In other words, they’re taking watches to a whole new level of accessory. Whether you have it in gold, silver, or the trendy color of rose gold, it’s all good to be pawned.   Tag Heuer Formula 1   (Image source: Tag Heuer)   If ever you decide to pawn a Tag Heuer Formula 1, expect to get its pawn value at P19,350. The … [Read more...]

20 Personal Finance Blogs in the Philippines to Read Now!

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Everyone dreams of becoming rich—rich enough to be able to pay for bills, acquire property, send a family member to school, get proper medical care when health fails, or travel at least once a year. This is the great Filipino dream. Luckily, Filipinos today have more access to online blogs that can be their source of information and inspiration to be financially literate. These blogs offer valuable tips about money, investment, and related financial topics that Filipinos can apply in their everyday life and help them prepare for their future. Here are some personal finance blogs where you can pick up a lesson or two on how to free yourself from money woes: 1. BoSanchez.ph Bo Sanchez is a published author of best-selling books such as “My Maid Invests in the Stock Market…And Why You Should, Too!” and “8 Secrets of the Truly Rich.” He’s also a micro-entrepreneur on a mission to convert (no pun intended) ordinary Filipinos to become financially literate. As a fan of the … [Read more...]