Six Brilliant D.I.Y. Project Ideas That You Could Do And Sell Over The Holidays

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The holiday craze is asking everyone to jump in the bandwagon of planning parties, splurging on sales, and decorating homes. But there shouldn't be no pressure to spend like most people since you can also take the productive route to earn over your holiday downtime. Trust us, your creative license doesn’t ask much, because the only manpower you need is YOU! Hello to talents and skills! Now build a little company by the nook of your room and have a creative factory of a budding entrepreneur with these brilliant DIY project ideas that you guys can spare and maybe start selling over the holidays. DIY Project Idea 1: Artsy Watercolor bookmark Love painting? Well, you can get your hands to paint on artsy bookmarks. Bookworms out there have a thing for bookmarks (coming from a self-confessed bookworm). Plus, you don’t have to spend too much for the materials especially if you have them right now. They are basically school supplies on the art department. So, get those brushes … [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...]

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

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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...]

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...]

Beginner’s Guide to Stress-Free Budgeting

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Let's admit it; Filipinos love to spend. We also love to plan get-togethers with friends and other gimmicks around our paydays. Whether it’s to play billiards, watch movies, or have karaoke nights, the mere mention of “sige, sa sweldo” almost, always, means it's a sure thing. Shopping and dining out also revolves around this bi-monthly phenomenon – we're millionaires for one day, paupers for 14. The thing about being financially responsible, though, is not just being able to spend for yourself and pay your bills, you also need to set aside something extra, especially if you have your own family and much more if you have children. How to Be an Expert at Budgeting – The Stress-Free Way! Learning how to budget (as opposed to withdrawing everything in your ATM account) not only allows you to cover all your necessities, it also gives you the opportunity to start saving. It can be a trip of a lifetime or a down payment for a new car or condo – point is, it's time to start acting … [Read more...]

20 Exciting Things to Add to Your Summer Bucketlist

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There is no better time than summer to hit the beach. It’s that time to feel the tingle from the sand between your toes, bask under the sun and get a nice tan, to sashay in your new bathing suit, and to watch a beautiful sunset. It’s the season to enjoy watermelons, fruity sorbets, barbecues, bonfires and S’mores with your favorite people. With all the time in your hands, summer is also the perfect time to create bucket lists. PawnHero lists 21 cool things to add to your summer bucketlist: Go to a slip and slide event. Slidefest Philippines brings in a giant slide the length of 3,000 donuts and 10 basketball courts, and that's longer than the Eiffel Tower. That’s 1,000 feet of sheer happiness for you! Explore Baguio City. Okay, we know. This probably isn’t the first time someone suggested that you visit Baguio in the summer, but seriously, you MUST visit Baguio at least once in this lifetime and summer is the perfect time to do so. After all it’s not called the Summer … [Read more...]

A Beginner’s Intensive Guide to All-Inclusive Living

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You work hard everyday for nothing more noble than the twice-monthly pay checks. Often, after meeting your monthly expenses, nothing remains for you to save. Unfortunately, that’s a situation easily echoed among our countrymen. Recently, the Bangko Sentral ng Pilipinas’ (BSP) released the results of its inaugural National Baseline Survey on Financial Inclusion, and what they found was somewhat disheartening. Sure, many Filipinos are aware of banks and the role those banks can play in mitigating their financial needs—or assisting with a long-term savings plan. Most Filipinos, however, shy away due to a vague, perceived sense of inaccessibility. In fact, many Filipinos prefer to get quick cash loans from a pawn shop or other informal lenders like the dreaded, motorbike-laden “5-6”. Living as many do on the very edge of potential hardship, it’s a very serious issue to consider. Everyone needs a helping hand and PawnHero looks at all the ways you can improve your financial situation … [Read more...]