The Perks of Being Financially Independent

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Everyone seeks financial independence to break free from their money woes. This includes the daily struggles of worrying about how to pay the bills and utilities, groceries, and other necessities. You may have experienced having to loan from relatives or banks just to get through a difficult time or have resorted to selling some valuables to a pawnshop for financial emergencies. Striving for financial independence is important so that you don’t have to worry about your day-to-day expenses in the future. Not only will financial independence give you economic freedom, but will also enable you to explore other possibilities in your life. Indeed, there are a wide variety of perks that come with being financially independent. 1. You have extra spending money. Whether you still have a desk job that’s supplemented with extra cash flow from other investments, having the extra cash for shopping, vacations, and other activities is a great perk. You don’t have to find excuses to … [Read more...]

Easy Ways to Make Money on a Rainy Day

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The rainy season is here! As the “bed weather” days are coming our way, it’s so tempting to stay under the sheets and do nothing all day. Then again, daily and monthly expenses such as groceries, utilities, and bills never stop even when the rain is strong and the roads are flooded. So, what can you do during rainy days to earn extra money? Remember that every hour you spend idle is money lost. Whether you’re a full-time employee with free time after work or a student trying to earn extra income, you can try different ways to make money during rainy days. This can let you start working towards financial independence or save up for that dream vacation. 1. Do some freelance work. There are a lot of websites nowadays that you can join to venture into freelancing work. Apart from freelancing being a great way to earn extra cash, it can also turn out as a full-time job for you that earns much more than your current paycheck. Make a list of all your skills according to the area … [Read more...]

9 Things Shopping Addicts Could Relate To

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These days, retail therapy or commonly known as “shopping” has become one of the best stress-relievers to people. Before, shopping was exclusively done in malls or physical stores, but in the last few years, it has also solidified its presence online – making it harder to resist the urge to shop. Not to mention, regular bazaars also boosted shopping by bringing these online stores in one venue. It can be considered a blessing because you can finally fit, inspect, and swatch products. But at the same time, it’s a curse because it will be a big challenge to fight the temptation of splurging. Do all of these sound familiar? Then my friend, you might be a shopping addict. Here are some more relatable instances that shopping addicts can relate to: You can't pass up a good deal. When you see that flashing red sign on an advertisement, it’s highly likely that you’re screaming in your head because your favorite brand just announced a deal you can’t pass up. At first, you will try to … [Read more...]

5 Designer Shoes Every Woman Should Have

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You want to send the right message when you wear a piece of fashion. One item can make you look either elegant and smart or tacky and unfashionable. Sometimes, just wearing the right pair of shoes can make your outfit look well put together. And if it’s a pair of designer shoes, you’re going to make heads turn. Here are 5 designer shoes that every fashionable woman should have in her closet: Classic Loafers from Gucci Gucci has proven itself to be a 21st century brand that is relevant, contemporary, and still very much sought-after. Gucci loafers are a classic choice. They can be worn equally well with jeans, shorts, and skirts. No one can argue that Gucci loafers are the quintessential shoes of the confident and fashion savvy working girl. Crafted genuine leather designed to be every day wear and meant to live up to constant wear—that is what you get with the Women’s Gucci Horsebit Suede Loafers.  These work shoes should definitely have a special place in your … [Read more...]

How to Secure Your Future with a College Scholarship

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Whether you’re a Grade 12 student looking for ways to secure a college education or a college freshman who just realized that you want to help your parents, there’s a scholarship program that you can apply to. Applying to college scholarship programs is not as easy as one may think for the primary reason that scholarships are bestowed to exemplary students and talented individuals. The goal of these programs is to make sure that financial aid is awarded to the most deserving students. Students and their families need to know what to do to find the best program, and how they can apply for it. We’ve created a guide to help you through the process of getting a college scholarship. 1. Look for the scholarship program that best fits your needs and situation. So, you’ve decided to actually go for it. Now, it’s time to look for the scholarship program that can best fit your situation. If you’re an exemplary student with consistently high grades, you can look for academic … [Read more...]

A Parent’s Guide to Saving Up for Children’s Education

In the words of Nelson Mandela, education is indeed the most powerful weapon that one can use to change the world. Needless to say, education is the primary key to success that relatively plays a vital role in shaping one’s future. The knowledge that one can attain from education serves as the backbone of many practical and theoretical decision-making processes that one may encounter, and at the same time, it opens doors to many opportunities as one goes through life. Since all parents want nothing but the best for their child/children, providing them a quality education is the key to making them enjoy all the fine things in life and mold them to be successful as they grow. However, the cost of education here in the Philippines is changing over time. Then again, nothing can ever replace the cost of missing out on education and its implications on one’s life. Planning and saving up for your child’s future education even in their young years will help take the pressure off you … [Read more...]

The Back-To-School Realities We’ve All Experienced

Summer has come and gone, and your vacation is over. It’s time to go back to school. While most children would grunt and groan at the thought of going back to school, some are excited about it. Parents, on the other hand, may be anxious about the fact that their wallets and bank accounts are going to take a hit. However, this is coupled with the excitement that the kids are going to be out of the house for the most part of the day once school starts. Stay-at-home moms will have more time to themselves during the day, and working parents can head off to work right after sending their kids to school. Everybody’s going to be busy when school starts! But first, there are some realities that both students and parents need to consider. 1. Shopping for new school supplies is the most exciting part. Both small and big kids look forward to shopping for new stuff before school starts. Some families don’t like scheduling their shopping day during the back-to-school rush. However, it’s … [Read more...]

5 Best Ways to Help You Pay Your Tuition Fees

As tuition fees hike every year, it is increasingly difficult for some students and families to pay for their education. On May 29, 2017, the Commission on Higher Education (CHED) approved the tuition fee increase of 268 private colleges and universities for school year 2017-2018. The average increase in fees is slated at 6.9% or ₱86.68 per unit. Whether you’re a new couple preparing for your baby’s future, a parent struggling to pay for your child’s education, or a working student trying to make ends meet, you have multiple options available for you. You can save money, adjust your budget, apply for a scholarship, get a bank loan, or go to an online pawnshop to get funding. We’ve gathered the best tips to help you pay for your or your child’s tuition fees. Read on to learn more. 1. Save early. This is the golden rule for anything that has to do with a big purchase or investment. Determine how much you need every year, plan ahead, and structure your finances early on so that by … [Read more...]

6 Best Laptops for College Students

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Nowadays, it’s hard for students to survive college without having personal laptops. Apart from projects and reports to submit, there are also tasks from student activities that they want to take part in. For college students, it’s not about having just any laptop or the most powerful laptop there is. Considering your major when looking for the best laptop for college can boost your productivity and help you get the most out of your personal computer. If you’re on a strict budget, look at an online pawnshop or a used laptop marketplace to find the most appropriate laptop for your college life. To have an idea of what you should be looking for, check out this list of the best laptops for college. 1. Apple MacBook Air Price Point: ₱50,000 – ₱65,000 (Image source: CNET.com) Apple proponents will tell you that you can never go wrong with a MacBook Air. It’s powerful, portable, and boasts of a 12-hour battery life. You don’t even need to bring a charger when you’re in school … [Read more...]

8 Realistic Financial Goals and Ways to Achieve Them

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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...]