7 Money Saving Tips for College Students This 2018


There’s that familiar anecdote about kids wanting to mature and grow up, and adults hoping to turn back the time to when they were kids. Now that you’re in college, you’re probably experiencing many new things that you may not be totally ready for. As a college student, one of your responsibilities is to budget your money. However, the challenge lies in having enough money to put toward your savings so that you have extra cash in case of an emergency or you need to purchase something important. Here’s how you can be good at budgeting and saving your daily or weekly allowance: Make good use of your school’s resources. Your school tuition gives you access to various school resources such as the library, computer center, sports facilities, and medical clinic, to name a few. Check them out and see what you can use for free or a minimal fee and use them as much as you can. For example, you could work on your case study in the library or computer center during your free … [Read more...]

6 Best Budget Laptops This 2018 Starting from P8,000


When buying laptops, there are so many things you need to consider that makes it difficult to make a decision. You need to learn about the device’s features, performance, brand, and its price to determine whether it fits your particular needs perfectly. Nowadays, though, you don’t need to break the bank for a high-performing computer. Whether you’re looking to sell your old notebook or purchase a used laptop through online pawning, this list will be helpful for you. We previously gave you a list of eight budget laptops starting from ₱10,000, but we found cheaper laptops that may be perfect for you. Lenovo Ideapad 100 – ₱10,995 The Lenovo Ideapad 100S was engineered for value. With an 11-inch laptop weighing 1kg, you don’t need to carry around a heavy computer. Despite its small size, its battery has enough juice to last 8 hours. Bring it with you for class presentations, client meetings, or all-day surfing. Since it sports an Intel® Atom™ Z3735F Quad-Core Processor, … [Read more...]

A Guide to the 52-Week Challenge to Save Up to P50,000


The 52-Week Challenge has been a trending topic on the internet lately. In case you don’t know what it is, this challenge encourages people to save money from week 1 to week 52 of the calendar year. Ever since this idea has caught on with online users, a number of versions have been made out of this money-saving project.   Despite the slight variations, though, the end goal is still the same: to get people to save money week after week until they complete 52 weeks in savings.   Plus, by the time you complete the challenge, you will realize that a savings fund is a flexible source of money since you could use it for whatever purpose or goal you have in mind.   The 52-Week Challenge It’s interesting to point out that the 52-Week Challenge is named for a reason. How many times have you promised yourself that you are going to be serious about your savings goals, only to break somewhere along the way? Saving can indeed be a challenge or a struggle for … [Read more...]

9 Ways to Celebrate Valentine’s Day on a Budget


Cupid, the ancient Roman God of love in all its forms, is at it again –  piercing through your fragile heart with his quiver of arrows, and lo and behold, your heart is oozing with love now. In honor of this love, we clue you in on how you could celebrate Valentine’s Day in a fun and budget-friendly way. It doesn’t matter if you’re single, taken, a third wheel, married, wishing for a second chance with your TOTGA, or just a plain ambassador of love and goodwill to people around you. Cook away at home via GIPHY Around this time, restaurants are brimming with guests for the most of the day, and chances are, you would wait for hours just to be seated.   Instead, whip up a homemade meal from scratch at home. No matter how simple it is, the apple of your eye will never mind that you couldn’t make any dinner reservation early on.   The mood is in the details via GIPHY It doesn’t really matter where you’re spending Valentine’s as long as you … [Read more...]

9 Budget Restaurants in Manila for Every Type of Foodie


Filipinos are certified food junkies. They love eating out at their favorite joint and discovering new places to hang out with family and friends. But unlike before when dining out was really pricey, these days, you could treat yourself or the whole gang to a gastronomical feast anytime, anywhere. In fact, you could easily find at least one hole-in-the-wall within any local neighborhood in Manila—thanks to the emergence of food parks and Instagram-worthy places that will satisfy the food lover in you without costing you a fortune. We scouted around for budget restaurants in the metro and here’s who made it to our top 9: Korean Buffet Restaurant (Source) HwaRoRo This Korean barbecue joint has got you covered if you want to load up on meat even in unholy hours. Specifically, you could head on to HwaRoRo’s Kalayaan Avenue branch in Quezon City and still catch it open until 4 a.m., ready to grill all the meat you want for just … [Read more...]

4 Best Places in Manila to Shop on a Budget


If the recent holidays left you cash strapped, it probably means you spent too much on shopping. While you can’t undo the situation now, you could at least avoid the same mistake in the future if you know where to shop. Manila, a shopping haven for all sorts of customers, is a good place to start even for those on a tight budget, just like many Filipinos who are always looking for cheap finds but of awesome quality. In our search for Manila’s best shopping places, we found at least four standouts which will surely indulge the wise shopper in you. DivisoriaLocated in the heart of Manila, Divisoria is a bustling commercial center where you could just plow along the streets to find low-priced, fair quality goods strewn on the ground atop sack cloths or housed in stalls. These hundreds of stalls are selling all kinds of merchandise—from footwear to clothes and fashion accessories and so much more, all sold in bargain prices for as low as under P100. No wonder swarms of people … [Read more...]

6 Expenses You Should Cut to Save More


Have you ever wondered why you seem to be forever in limbo with your finances? You have a budget, you stick to it, and you try to save as much as you can, so what are you doing wrong? The culprit in your situation may be those tiny expenses, some of which you’re not totally conscious about, that accumulate in unimaginably huge amounts. Now may be the time to review your financial habits—starting with identifying the expenses you could have less of to help you save more. Cable subscription Cable subscriptions cost P900 on the average for basic plans, but premium accounts with bundled internet services can cut you back by as much as P1,400. To help you cut down on your cable bill, you could either go for a basic plan, especially if you only watch selected shows or if you’re subscribed to an internet service provider, you might want to consider dropping your cable subscription altogether. Alternatively, you could register with video-on-demand services like HOOQ, iFlix, … [Read more...]

A Guide to the Best Investments for Every Goal You Have


Some people can get caught up in the busyness of life whether education- or career-wise such that they barely have time to plan for their future. It also doesn’t help that they believe in the principle of living in the moment.   While it’s definitely reasonable to enjoy life as it happens, you also have to think about settling down with your family sooner or later. If you’ve started small and smart financial moves right now such as online pawning, then you’re in the right direction. From a financial viewpoint, preparing for one’s future as early as now is much better than starting late or not starting at all.   When you’re financially secure, you get to enjoy and live life more fully. You don’t have to worry about major family expenses or emergency situations since you’ve saved enough in investments. A good investment portfolio that matches your goals and financial standing, therefore, should be part of your overall financial plan.   You may use the … [Read more...]

How to be Financially Ready for the New Year


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


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...]