Credit Card Alternatives for Millennials With Zero Credit

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Possessing a credit card provides many advantages, such as the opportunity to pay for emergencies like an unexpected hospital bill or replacing a broken appliance. In 2017, Google Trends revealed that Filipino millennials searched for finance-related keywords (search growth of 24%), covering loans and credit cards. Come 2019, credit card usage remains low in the country partly due to the strict requirements. If you’re not good at financial planning, it would be impossible to build a credit history to be approved for a credit card. In the same vein that you need to have money to make money, people need credit to build and improve their credit score. Thanks to technological advancements and modernization in the digital age, the financial landscape has continued to evolve and become more inclusive. Today, there are many alternatives for people to build their credit and take advantage of services that echo the benefits of a credit card. Millennials and Credit Cards in … [Read more...]

Pawnshops Then and Now: How the Digital Transformation Changed Pawnshops

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A couple of decades ago, it was probably a novel idea for most people to think that they could do so many tasks digitally. Things, like shopping online, paying bills, and even learning a new course, are now part of the online space, and it’s helped tremendously in the way people live their lives. Thanks in part to the continuous innovation of the tech industry, the digitization of our everyday tasks has spread to other sectors, like pawning. Traditionally, pawning was done face-to-face. You had to present your collateral to the shop and surrender it physically for inspection before any agreements could take place. Now, online pawning allows you to list your item on pawnshops so you can get offers more quickly and lessen the hassle of having to make trips to physical stores frequently. To better understand the state of the pawnshop industry, it’s worth learning about the history of pawnbroking and how it came to be. Check out the infographic below for an informative … [Read more...]

Online Pawnshops: Everything You Need to Know

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When you’re tight on cash and in need of funds, there are a couple of ways that you can acquire a loan: You can seek help from the usual sources like the bank or the government, which normally takes several days to process a request. You can also ask a friend who may have extra funds to spare and might be willing to lend you some money. However, if you’re not too keen on either of those choices, there’s always the easiest and most immediate alternative to getting the funds you need: the pawnshop. Here you’ll be able to get a loan instantly so long as you provide an item you can leave as collateral. It’s simple, easy, and convenient. In recent years, technology has made it possible for traditional forms of fund transactions to become a faster, more accessible process through the internet. Pawnbroking, for instance, is no stranger to this development as a considerable number of online pawnshops have emerged. In this article, you’ll learn about how online pawnshops work, … [Read more...]

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...]