8 Realistic Financial Goals and Ways to Achieve Them


With so many things to do, places to see, and bills to pay, your wallet and savings will be put to the test. Before accomplishing your life bucket list, you have to make sure your financial savings are all set not only to accommodate your wants but also prepare for the rainy days. But first things first, you must plot out specific financial goals and match it with your financial capabilities. In a previous World Bank study entitled “Enhancing Financial Capability and Inclusion in the Philippines,” Filipino respondents received a rating of 45% in financial literacy quiz, which means that Filipinos’ financial management and habits are still average. No matter what age set you’re in or how your lifestyle goes, the need to save money and be financially aware is a must do. While saving money is a tough deal when you’re living paycheck to paycheck, you can counter it by saving little by little.     1. Have no debts – If there’s one thing you’d feel good for … [Read more...]

A Single’s Survival Guide To Valentine’s Day


Alert! February 14 is a nuclear explosion of love. Seek solace and comfort in a love bomb shelter! But wait, don’t forget to bring a bottle of champagne and pour it on a flute glass (yes, a celebratory glass), because here’s a really great toast to all singles who love themselves more and who know how to live independently! Bitter aside, the heart’s day is gonna be an amusing day of showing affection and admiration. Now, instead of sheltering yourself from Valentine’s bombs and turning into an ugly bitter betty this V-day, here’s a really smart survival guide to heart’s day below: 1) Go out and celebrate love! Love comes in all forms, your relationship status should not be a sorrowful one, and hey, there are millions out there just like you, so you are not alone in this game. But if you are making a sarcastic statement, you can go to the Hugot Cafe to shove Valentine’s day that the joke’s on you. 2) Get all the love you need. Remember, rations of sweetness will ran out that day, … [Read more...]

Reality Vs Expectation: The Ugly Truth We Get During Holiday Reunions


The holiday season highlights a time to get together! Invitations are coming in and reunions are planned over social media group chats or a formed committee over hang outs. With everything going on, you expect yourself to come 100 per cent prepared! After all, reunions are there to make or break an impression and leave a reputation. Call it the ugly truth, but you knew this is coming. Here are really common reality versus expectation cases we get to go through during the holiday reunions. At least, one way or another, you are never alone with this experience. Case number 1: On weight Expectation: "Ang sexy mo na." (Wow!You’re looking fit!) Reality: "Ang taba mo na grabe!" (You gained weight!) Image source After graduation most of us get focused on other priorities in life that we forget to sometimes focus on ourselves especially our weight. But really, would weight matter when you are goal-driven with your career growth? Altho, this could also be a wake up call to remind … [Read more...]

Top Pinoy Christmas Feels That You Can’t Miss For The World


The  best thing about loving the holidays in the Philippines besides being the longest holiday season in the world, it’s the people, their traditions and just being at home in general. It’s everything that a Pinoy would love to have during the holidays. So, as the remaining days of 2016 draws to a festive approach, here are the top Pinoy Christmas feels that you would not miss for the world. After all, there’s no place like home. 1) Being with Family  “One, two, three, smile!” Pinoys have a family-oriented culture. And during the holidays, it sometimes feel like the whole family tree is here as this season oftentimes become a grand reunion of families. Plus, let’s just agree that it’s one of the best feelings there is: the love of a family. Heart, heart. 2) The 13th Month Pay “May sahod na ba?”  (Is it payday already?) Bless the persons behind this law, because it feels like we have a paycheck bonus! As decreed by our constitution, the 13th month pay law states that all rank and … [Read more...]

15 Songs for Hugot Christmas Playlist


The Yuletide season is all about love, and no one should feel despised. Whether it’s a painful breakup, missing or wanting to be with someone, unrequited love, trying to save a relationship, or just feeling the blues, there’s nothing a good playlist can’t solve. To help ease your pain and bring back that smile on your face, even for just a short period, allow us, at PawnHero, to share with you a Christmas slash hugot playlist filled with love, hope, and maybe reconciliation for some. 1. “Blue Christmas” by Bright Eyes Source: wrinkledforehead The song speaks of love unreturned by someone dear, giving all the holiday cheer around nothing but sad feels. “Decorations of red on a green Christmas tree / Won't be the same dear, if you're not here with me ... / You’ll be doin’ all right with your Christmas of white / But I’ll have a blue, blue, blue, blue Christmas.” Ouch. 2. “Last Christmas” by Wham! Source: WhamVEVO Failed relationships are always sad, but they’re … [Read more...]

How A Broken Heart Can Lead You To Success


A breakup can be more of a blessing than a curse! A blessing because these feelings can somehow lead to success. A research concluded that our brains appear to process relationship breakups similarly to physical pain, and we all know that real success comes from pain. Heartbreak is not the end, sometimes it is just the beginning of something beautiful. So, keep those broken pieces of your heart intact because you will pull yourself back together and more often than not, you will come out successful! Here's how a broken heart can lead you to success: It makes you motivated. You want to be someone that he/she regrets leaving. You want to become "The One Who Got Away" (TOTGA). You want to become an asset to yourself. You want that and all those wants are fueled by the failure of your relationship. J.K. Rowling, the author of the phenomenal Harry Potter series said:  " Failure is so important. We speak about success all the time. It is the ability to resist failure or use failure that … [Read more...]

The 10 Best Things That Come After A Difficult Breakup


Even one of the world’s favorite geniuses, Albert Einstein, has something to say about love: Love brings so much happiness, much more so than pining for someone brings pain." With a deep sigh, love comes in two: joy and sadness. And in romance, one will always love more than the other, and that person hurts the hardest. For all of those who have loved more and have hurt the hardest, cry all you want. Cry just cry. Know that after every rain, comes a rainbow, after every winter, comes spring, after every sadness, comes love, and after every pain, comes the best things. They chose to break your heart, but it’s you who chooses to be better or worse. So, hush, here are ten best things that come after a difficult breakup: First: A renewed focus. You’ll lose focus, you’ll drown yourself in sorrow then you just want everything to get it over with. Soon, sleeping with misery will hit you hard with a realization, that tears won’t solve the problem, that crying over someone who has … [Read more...]

7 Scary Habits That Are Damaging Your Finances


Do you ever wish you have a time machine to correct your past mistakes, especially those that came with a price tag? Bad news! You can never turn back time. The good news is you can find ways not to commit them again. People make mistakes, especially with money. It’s part of learning how to be financially responsible. But when these mistakes are in a cycle, you have a big problem. It’s time to rethink your money habits. Because making the same mistakes again and again is not just depressing, it’s frightening. It can drown you in debt or lead you to bankruptcy. Don’t be haunted by bad debts. Correct these scary money habits before it’s too late. 1. Spending beyond your paycheck This is so basic yet some people still forget to practice it. For instance, your take home pay is P12,000 a month, yet your expenses (bills, food, and shopping expenditure included) is at P13,000 a month. And there you are, wondering why you’re money won’t suffice until the next payday. If you … [Read more...]

Pawnina Shares: Bad Habits That Silently Kills A Successful Well-Being


Hey guys, Pawnina here! Finally, we’ve gone through a festive night of scares and creeps. As the Halloween fever dies away, it’s time to get back on track and make the most out of the remaining weeks of 2016 (51 days until Christmas!). It’s really a bit scary to know that you are just in the same place as last year, but don’t get this idea wrong. If you are in a place that you love, growing and improving, plus if you feel it in your bones that you are in the right place, then you don’t have to worry. For those out there who fear the uncertainty, and who go nuts and are lost and are confused from remaining stuck in the same place and feeling like their passion is decomposing away, maybe there are certain bad habits that’s killing your successful well-being silently.  1) Keeping mum. There are people who work silently, and others who work loudly. Nothing against how work is done as long as the productivity level is good, but good is not enough. If you just remain good, you are … [Read more...]