7 Money Habits That Make Millennials Richer


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


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...]

What it Means to be a Millennial in a Developing Country


You’re 24 and leaving work. It doesn’t make you happy, you tell your parents and friends. You feel like it’s not your niche, not your special spot in the marketplace. Your family shrugs it off as indecisiveness, but your bosses shake their head at you, tells you you’re a typical millennial. A typical millennial. Millennial. The word is being thrown around so carelessly, but what exactly does it mean? What does it mean to be a millennial? According to Time, you are a millennial if you are born anytime between 1980 to 2000. This means that this group is mostly comprised of teens and twentysomethings. Okay, so why then, are millennials being looked down upon? We are simply talking about an age group here, right? Wrong. Apparently, we are talking about a group of relatively younger individuals whose habits are said to have been made somehow similar by factors including globalization, social media, the adoption of Western culture, and fast-paced change. This is a group that is … [Read more...]

Top 10 Laptops for the Upcoming School Year


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


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


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...]

10 Surprising Things You Can Find Inside a Pinoy’s Pocket


I’m sure you’ve seen plenty of those “what’s in your bag” columns in glossy magazines where they interview A-listers, asking them about the contents of their purse. But then lists like these always make you think “if she hasn’t sold her soul to the devil, there is NO way that white iPhone case would remain that pristine.” These columns make you wonder if Lady Gaga ever uses wet wipes, or why Taylor Swift apparently has never had an upset tummy. But, really, what’s in our bags? PawnHero takes a more realistic look, featuring the common contents of a typical Pinoy’s bulsa. Memories You grab a pair of pants that’s been hanging on a hook mounted to the back of your bedroom door for quite some time. You forget that the only reason it hung there limply was because it was the last thing you wore to a date that ended miserably. You put your hand inside the pocket and find torn concert tickets (how could it have ended so badly when she pleaded you to go with her to that concert?), … [Read more...]

6 Clever Ways to Recycle Your Old Gadgets


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...]

21 Eye-Opening Images To Make You Realize What We’ve Done to the Environment


They say a picture paints a thousand words. Here are 21 powerful images of animals that can make you pause and contemplate the way we handle our non-biodegradable wastes. This albatross that ingested far too much plastic. Plastic is NOT part of the food pyramid, even for animals. Why, then, are we feeding our wildlife with microplastics? The baby dolphin that was dragged out of the water and passed around for selfies (it died.) Who can forget the time the selfie craze entered a new low? This young, endangered dolphin was pulled out from the sea and passed around by beachgoers to take selfies with the poor thing. This rabbit that is being used to test cosmetic products. This is just one of the many rabbits in laboratories all over the world. Researchers drip chemicals into their eyes bare skin to test cosmetics and other products. A young fur seal choked by a rope. A discarded rope was found wrapped around this young innocent fur seal. This … [Read more...]

PawnHero MarketPlace: Discounted Brand-Name Items for Shoppers on the Go


If you have ever taken one look at your old, trusty handbag and told yourself, “This old thing has to go,” visit the PawnHero MarketPlace. The MarketPlace is a favorite haunt for shoppers on the go that are looking for name-brand items at comparably lower prices. Plenty of Choices The MarketPlace carries fashion items like handbags, jewelry and diamonds, watches, sunglasses, and shoes. You can also find an extensive selection of gadgets plus myriad other items including musical instruments, home appliances, sports equipment, and art pieces.  All these name-brand items are sold for up to 80% off their original market value. The MarketPlace also boasts of some unique items such as antique daggers, a magnetometer, vintage cuff links, old dollar coins, a Japanese harp, and even a limited edition Sarimanok sculpture by National Artist Abdulmari Asia Ima. If you are a collector, an art enthusiast, or a person with a curious mind, you are bound to find something that will pique your … [Read more...]