7 Life Hacks to Manage Your Finances Better During the Pandemic

7 Life Hacks to Manage Your Finances Better During the Pandemic

The COVID-19 pandemic has brought stress and fear upon people. Some are faced with job uncertainties and reduced income, while some have been completely laid off their jobs. Wise individuals have resorted to setting up an online business or taking part-time jobs to survive. Because of the pandemic, it has been extra challenging for many people to manage and budget their finances. With utility bills piling up and going back to “regular programming” far from sight, it makes all the more necessary to up your money management skills. There’s no concrete answer as to when this pandemic will end. It’s crucial to do everything you can now to anticipate financial setbacks and find a way around it. We’ve rounded up some simple yet practical life hacks to help you manage your finances during this trying time. Let’s dive into it! 1. Check for utility bills you can pay in installments. The unpredictable event of a crisis like a pandemic can put millions of people out of work either … [Read more...]

6 Creative Ways to Show That You Care During COVID-19

6 Creative Ways to Show That You Care During COVID-19

The past few months have been extremely tough for everyone. With the world battling the COVID-19 pandemic, it’s no secret that some people are having a hard time managing through the crisis. Apart from dealing with the health and economic ramifications of the virus, people around the world are also dealing with the psychological challenges it brought. Due to limited mobility and the lockdown rules imposed by the government, many are unable to be with their loved ones. Breadwinners in the metro or abroad cannot visit their relatives in their hometowns because public transportation needed to cease to mitigate the spread of the virus. Luckily enough, we live in a digital age, when we can bring those that are far away closer to us. Thanks to smartphones, laptops, and the advent of online communication platforms, you can stay in touch with anyone no matter where they are. Even though talking through a screen may not be as good as a face-to-face encounter, it can help you stay afloat … [Read more...]

Why You Should Also Sanitize Your Spending Habits During COVID-19

Why You Should Also Sanitize Your Spending Habits During COVID-19

  The ongoing COVID-19 pandemic has altered the “normal” habits of people and living conditions not only here in the Philippines but also worldwide. With lockdowns and community quarantine, limited mobility, layoffs, and shortage of supplies, the spending habits of Filipinos are perhaps one of the most affected by the recent changes. For one, only essential shops like groceries and drugstores are allowed to operate. The fear brought about by the pandemic influenced people to hoard or participate in panic buying. Companies have either introduced pay cuts or layoffs, which worries the Filipino workforce. Budgeting for expenses has become trickier than ever. Hands aren’t the only things we should sanitize With the sudden pause in our normal activities, this period may be the right time for some Filipinos to look into a financial detox. Spending money has become almost second nature to people—bills, food, housing, and commute—it never ends. But, with the enhanced community … [Read more...]

10 Ways to Spice Up Your Routine During Self-Quarantine

10 Ways to Spice Up Your Routine During Self-Quarantine

  There’s no denying that public health crises, such as the COVID-19 pandemic, have caused big changes to the people’s lifestyles. To minimize the risk of infection, everyone is highly encouraged to practice social distancing and to spend the majority of their waking hours inside their homes. However, even though many are staying in the comfort of their humble abodes, it’s no secret that spending countless days cooped up at home also comes with its own set of challenges. During this period, it’s incredibly easy to just go with the flow and embrace disorder. While a pandemic is a circumstance that is not under your control, you still have the power to make the quarantine period more pleasant and productive. The guide below will discuss several things you can do to spice up your routine during self-quarantine. 10 Ways to Spice Up Your Self-Quarantine Routine 1. Give structure to your day Being under lockdown doesn’t mean that you should stop following a routine. Even … [Read more...]

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...]

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...]

6 Best Budget Laptops This 2018 Starting from P8,000

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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

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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

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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

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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...]