Travel On A Budget Tips For Your 2017 Vacations

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2017 is a year full of new adventures on your calendars. And since we’re still on the first month, it is best to start early with planning and budgeting for your vacations. After all, the earlier the better. To start your 2017 vacations, here are travel on a budget tips to make your travel money worth spending: First: Write down your bucket list of places you want to go. Much like a financial plan, write down the list of places you want to go. Include the months when you can file your vacation leaves and plot those with holidays as well. From there, narrow down your top five or top six destinations of your choice. Then, write down the corresponding budget you’ll need to allocate on each of the vacation spots. The good thing with planning is that you’ll have a clear itinerary of your wanderlust travel list for 2017. Image source Second: Know the season of the places you want to visit. Take note of the peak seasons of the countries or places you are visiting as peak seasons … [Read more...]

Food Hunting: Cheap Eats Around the Metro For Your December Dates Under Php 500

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There’s nothing more like having to go around and eat your feelings with your dates. Gaining weight has always been an obvious sign of a healthy relationship. With December fast approaching, you are sure to get those extra days off at school or off at work and spend the time to hang out with whomever you’re planning to invite. Of course, it would be nice to dine around giant malls with their fine restaurants and their list of leisure activities that’s enough to grab your attention, but sometimes dating can turn out to be really costly. Who says relationships are cheap, right? Well, if you are after a back-to-basics approach in dating; deciding to just stroll, talk and go on a food trip instead, then we round up a list of hot food spots to get that student-rate food prices for your December dates below: The University Belt: España To Morayta To Mendiola The University belt is sprawling with budget-friendly cuisines that perfectly fits to the student life. From popular restaurant … [Read more...]

7 Money Habits That Make Millennials Richer

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Are you a millennial who wants bigger savings but always ends up waiting for payday? If yes, you are not alone, and you better rethink your money habits now. A Moody’s Analytics study shows that people under 35 do not save and even spend more than they have. On the other hand, 55% of millennials would rather spend their money on experiences than material goods. Examples are travelling to another country or buying tickets for a concert. Of course, you deserve to give into your guilty pleasures sometimes, spend for once-in-a-lifetime experiences, and create fun memories you won’t be able to do 10 or 20 years from now. Who wants to miss out on life, right? However, living life as a millennial does not mean forgetting to save and invest for the future. Get to enjoy all the good things in life without going broke by developing habits that will make a richer you. Here are simple and easy strategies millennials like you can do to fill your pockets with bigger savings. 1. Believe … [Read more...]

Smart Financial Management Tips for the Upcoming School Year

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So you’ve covered the tuition payments and you’ve created a budget you can totally follow. The key to financial success, however, lies in smart management of the funds in the day to day. It’s not as complicated as you think, and are actually easy enough to follow. Here are simple tips that you can follow in order to manage your money well. Tip #1: Keep Your Budget Tight Use your budget as a plan to keep you in the black. This means that you aren’t spending more than you earn and can live with. It also means that you are able to set money aside for emergencies and unexpected expenses. Living on a budget means that you plan carefully where each and every peso goes to when it's needed. Many people are too lazy to make a budget, thinking they can "wing it". In reality, a budget gives you the freedom to plan what you can spend, and avoid overdrawing yourself. Tip #2: Pay Your Debts Spending on a lifestyle you can’t truly sustain will catch up with you down the line. Smart money … [Read more...]

Top 10 Laptops for the Upcoming School Year

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Laptops and computers are such an essential part of daily life that it's become often much more difficult to manage without them. For students on a budget, however, they represent a considerable enough investment of money. PawnHero takes a look at the most affordable laptops that you can get on even a minimal budget that can get the job done for you this upcoming school year. These machines won't bowl you over with high-end specs, nor can you count on them for heavy duty work, but if you just need something to type up the next report or do a little bit of research, they're perfect. After all, beggars can't be choosers! 1. Asus Chromebook Flip The Chromebook is a great platform for those on the tightest of budgets because its lack of a physical storage drive lowers the costs considerably. Wholly online, these laptops are functional to the highest degree and revolve strongly around Google's excellent cloud-based services. Word processing is handled via Google Docs, browsing and … [Read more...]

Kuripot and Proud: Budgeting Tips from Self-Confessed Frugal People

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No one likes a kuripot person. They never seem to want to spend on anything. They always go for what is cheaper and more affordable. Getting kuripot people to say yes to a get-together takes monumental effort. They’re never ones to spring for a treat either. One thing that they, in fact, are is very good at saving money. In fact, they’re the ones who are NEVER worried when pay comes out—because they have enough set aside. If you, on the other hand, are constantly desperately in need of cash, you might learn a thing or two from the kuripots in your crew. We have one or two of those here at PawnHero and we asked them for the budgeting tips that will help you save more. “You’re not THAT hungry.” Admit it. Lunch is often not enough for you. In between, there’s probably a snack or two thrown in with maybe one more when you best friend invites you to the downstairs convenience store. There’s nothing wrong, of course, with a snack here and there. Unless, of course, you want to save … [Read more...]

11 Money Apps That Will Help You Save BIG

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Budgeting one’s finances is a necessary evil. As long as you keep consuming your needs and wants, there’s no escaping money management. Managing finances is quite a challenge for Filipinos today. In fact, 55% of Filipinos are having insufficient money to pay for food or basic necessities according to a survey by the World Bank in collaboration with the Bangko Sentral ng Pilipinas. If that’s the case, how can you save? Saving money doesn’t have to be an ordeal. Here are money mobile apps you must download to help you save BIG! General Expenses Mint This popular app lets you consolidate your accounts—from bank accounts and mutual funds. Each section is intuitively organized to give you the big picture of your finances, along with all the tools you need to manage your earnings, spending, saving, and budgeting. Further, it shows your cash flow in real-time including deposits, expenses, credit card debts, and other investments. This format is great if you’re especially … [Read more...]

Meet Pawnina – Your New BFF

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  Hi, everyone, Pawnina Bayani here. I’m a 25-year old tech support agent. Just like you, I love to shop, dine, travel, and spend time with the people I love the most. I live independently in a cozy apartment that I’m renting out. I pay my own bills and I send money to my parents in the province. I may not have the most luxurious lifestyle, but I am able to save a few bills every paycheck. My goal is to live life to the fullest, but of course, while still catering to my needs and responsibilities. Not an easy feat, huh? I know many of you out there have the same plight as me—utility bills, rent, money, food, transpo allowance. I know everything can get a bit difficult to shoulder sometimes. And that’s why I’m here. I bring tips and tricks on budgeting and saving—basically how to better handle your finances. You can turn to me for practical advice on life, finances, anything at all! I've been there, and I want to share my experiences with all of you, to help you win … [Read more...]

Stunning Santacruzan Gowns by World-Famous Pinoy Fashion Designers

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In the Philippines, May is known to be the most colorful time of the year. It is the month of fiestas, signaling merry-making that lasts for several weeks on end. It is the month when rains begin to pour, relieving long dry spells, and allowing an abundance in harvest and flora. As a predominantly Catholic country, Filipinos show their gratitude for the beneficial rains by giving praises to the Virgin Mary. The Virgin Mary is venerated through a string of festivities commonly referred to as the Flores de Mayo (Flowers of May). During this time, church aisles and altars are decked by an array of beautiful, fragrant flowers. Townspeople, in their Sunday bests, gather in the afternoons to pray the rosary, and to share homemade snacks afterwards. During the Flores de Mayo, select maidens from every town participate in a week-long pageant called the Santacruzan.  The belles were chosen not for their looks alone, but for the way they embody the qualities of the quintessential … [Read more...]

6 Clever Ways to Recycle Your Old Gadgets

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Who doesn't want to have the latest gadget with all the bells and whistles? Given the Filipino penchant for all things “high-tech,” we head out to buy the latest smartphones, tablets, and music players even though our current devices are still in good working condition. Disposing of old gadgets and other tech items has become a challenge in recent years because of the many parts they have. They're also non-biodegradable knowing that these are made of plastic, metal, and other compounds. d … [Read more...]