Pawnina Tips: How To Save Yourself from Credit Card Debt

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Hi guys, Pawnina here! There are at least 7 million actual credit card holders in the Philippines as of 2015, according to data from the Credit Card Association of the Philippines and statistics from the Bangko Sentral ng Pilipinas reveal that credit card debt in the country reached P157.34 billion in 2014. A really alarming figure considering that Filipinos are averse to credit cards. These wallet-sized shiny plastics hold great purchasing power, and with great power comes great responsibility. While credit card can be a good source for immediate cash, it is still money you owed from the bank. Being irresponsible with managing your credit card debts can mean dire consequences. For those indebted by the cards, take the time to read smart tips from moi to liberate yourself from credit card debt! 1. Resolve one debt at a time. Carrying more than one credit card debt can be so heavy in your near-empty wallets. What you have to do is to resolve one debt at a time. It is advised to pay … [Read more...]

Pawnina Tips: Follow Your Heart And Start Earning Money Doing What You Love

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Hey guys, Pawnina here! It’s the love month! Speaking of such, this is the time to celebrate your love for someone, or for something. Now, after you leave your 9-5 jobs, take a stroll and start to reflect on things. How have you been faring on with your life lately? Are you fulfilling your purpose? Do you feel like doing your calling? Or simply put, are you happy right now? If you feel like it’s the total opposite of joy, here’s the good news, it’s entirely possible to follow your heart and pursue what you love doing most! And no doctor’s prescription can help you decide to follow your heart other than yourself. So, here’s what you can do to figure out how to start earning money from doing what you love: 1) Try not to quit your job before you start pursuing what you love doing. Others tend to be bold enough to quit their jobs with no plan at all. But sometimes, as Forrest Gump would have said it, “Life is like a box of chocolates, you’ll never know what you get.”   While … [Read more...]

Pawnina Shares: 8 Bad Business Habits Every Young Entrepreneurs Should Avoid

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Hey guys, Pawnina here! We’re ending the first month of January with so much to look forward to, maybe, even starting your own business this year or getting an investment as well just might do! Speaking of business, if you’re considering packing up your 9-5 jobs for an entrepreneurial lifestyle as a start this 2017, then great for you! But before you make such a bold move, heed this list of bad business habits first. As a soon-to-be young entrepreneur, you ought to know what to avoid and what to work on to make the capital a worthwhile investment. 1) “Analysis Paralysis” With an eager motivation to start the business, it is most likely you will encounter Analysis Paralysis. This is a state of over analyzing or over thinking. Because of this, a situation or decision sometimes. When you overthink of an idea and it takes time to start it, others may be ahead of you. You don’t want that. To keep from over thinking, start writing down to clear your mind and plan where to start … [Read more...]

Pawnina Shares: Chinese Charms To Attract Financial Luck This Year Of The Rooster

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Kung Hei Fat Choi! For non-Chinese, we must admit that sometimes we can’t help joining in to celebrate the Chinese New Year. And what makes the Chinese New Year really different is their centuries old traditions and beliefs. A favorite belief is their lucky charms, especially those that attract wealth and luck. Now, if you really need all the luck in the world to make 2017 a really prosperous year, why not take it from our fellow Chinese, they know luck better than anyone else. Rooted with an understanding that’s as old as their dynasties, we round up 8 (to mark the symbol of infinity and luck) of the Chinese charms that might just bring the financial luck you need this year of the rooster. Check them out below: 1) Chinese red envelopes or Angpao These Chinese red envelopes, often presented at social and family gatherings as weddings, baptisms, are also very popular during the Lunar New Year. Red has always been a symbol of good luck and is believed to ward off bad spirits. Here … [Read more...]

Pawnina Tips: How To Start The “New Year, New Me” Right

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The old year may be both good and bad for some, but like everyone else, the new year is an opportunity. It is full of possibilities and challenges that should be exciting. And whatever you amassed last year, it’s time to look back, get rid of the old and focus on the “New Year, New Me” mantra. With a clean slate, and a full year ahead of you, here’s how you can start making everything right: 1) Declutter Your Home. It starts with  you. And what’s a better place to begin cleansing your spirit than your homes.Your home is your space. It reflects your personality, your life and yourself. If it is a mess, full of unnecessary things that you’ve hoarded from the old year, then it is time to declutter them. Get rid of the negativity, segregate the non-bio from the biodegradable trash, donate old clothes and old books and recycle what you can use. It really feels good to live and breathe in a clean space. Image source 2) Let Go Of Bitter Memories. There are two ways you can to do … [Read more...]

Pawnina Shares: New Year Celebrations From Around The World To Amaze Your 2017

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Happy 2017 everyone! Pawnina here and back to spread good vibes and financial wisdom through lifestyle, travel, tips, food and whatnot! To start the year fresh, it is best to wake up early, have a hearty meal, keep an optimistic mind and look forward to smile at the after holiday load, both at work and at school. However, with the celebration hangover present,you might want to get a head start with what went down in other places during the New Year countdown. This may be enough to spark your goals for the year ahead. 1) SYDNEY, Australia From the land down under, Sydney! Video source: Love Kids 2) London When Big Ben strikes twelve, London’s eye saw the Brits watching a spectacular display! Video source: BBC 3) Dubai  The tallest structure in the world and one of the richest oil kingdom there is, Dubai know how to greet a New Year! Video source: The Telegraph 4) Hong Kong Hong Kong’s waterfront illuminates with a dazzling firework display! The Victoria … [Read more...]

Pawnina Shares: 10 Common Gifts From Our Secret Santa That Kinda Surprise Us

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Hey guys! Pawnina here! Christmas is just a few days away and the gift-giving is at its peak! Now, if you can just count the gifts you received year after year from school to the corporate world, imagine the mugs, handkerchiefs, wallets and other cliche’ stuff we get from our Secret Santa. To say the least, there’s still some thought put into it. If you are in a last-minute rush to give your “Monito or Monita” the surprise gifts, try not to consider these last-resort presents, but if all else fails, then go for these Secret Santa gift ideas. 1) Coffee Mugs The top on this list are the coffee mugs. How many mugs have you received all through out? You should have probably kept a shelf and collect the mugs you got for a present. You might be surprise you’ll eventually fill up the shelf with boring, cute, artsy, and everyday mugs!  Still, different mugs are collectively instagrammable on the side. These mugs are easy to find during Christmas considering they’re budget-friendly … [Read more...]

Pawnina Shares: All-time Favorite Simbang Gabi Treats And Where To Find Them

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Hey guys, Pawnina here! We’re just a few days away until the eve of Christmas. So, the holiday tradition for many begins with the early dawn mass or Misa de Gallo on 16th of December! What’s to look forward after the Rooster mass are all-time favorite Simbang Gabi treats! These native delicacies  are a staple outside cathedrals and are just perfect to keep our tummies warm before dawn breaks. Now, if you want to have a taste of Christmas from these proudly made pinoy traditional delicacies, then we list down a few places where to find them around the Metro. 1) Puto bumbong One of the most popular Misa de Gallo eats is the purple colored glutinous rice oozing with gooey sweetness from the perfect coat of melted butter/margarine, muscovado sugar and grated fresh coconut. This steamed rice cake in a small bamboo tube is warmly served and is burp-worthy on your bellies! Image source Here are a few spots to find these Puto Bumbong even after Christmas: Cafe Via Mare’s … [Read more...]

Pawnina Tips: How To Win Against Online Shopping Scams This Holiday Sale Season

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Hey guys, Pawnina here! As we all know, shopping sale season starts at the remaining months of the year. Now, we’re down to the last month! Both online shops and shopping stores are at their full force with their best offers. Since December has one of the most widely celebrated holidays of the year, we are more vulnerable to spend our holiday budget. Shopping stores are a safer haven to hunt deals, but shopping online does not guarantee the same safety and security you get from physical shops. Because we don’t want our 13th month pay, Christmas bonuses and hard-earned savings to go down the drain, here  are quick tips to avoid being an online shopping scam victim. So check the tips below win against those bad guys. 1) Read reviews of the online shop. The first thing you should do is to assure its reputation as an online shop. The more popular it is, the better. Otherwise, the less reviews, the fishier it gets. So, as it is online, you can check their social media accounts. It … [Read more...]

Pawnina Shares: Popular Christmas Beliefs That Mesmerize Our Holiday Spirits

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Hey there, Pawnina here. As we all know, Christmas is a widely celebrated holiday throughout the world! In the Philippines, this has been regarded as the longest celebrated season across seven continents! And that’s something we should be proud of! While we have adopted and developed Christmas traditions, there are certain beliefs that stir our imagination. These cheeky popular beliefs, both local or not, has mesmerized and tickled our holiday spirits. If you have been believing in such Christmas beliefs, don’t worry, that’s a very Pinoy thing to do. Below is the list of popular Christmas beliefs:    Underneath the Mistletoe KISS. We’ve heard about the mistletoe. We sing the word from a few parts of popular Christmas songs such as Mariah Carey’s “All I Want For Christmas” and Justin Beiber’s “Mistletoe” to name a few. Although we don’t actually have a mistletoe in our Christmas garden, this belief has become a pop culture seen on most romantic parts of movies, where the … [Read more...]