A Holiday Guide to Planning Your Year-End Vacation

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Before closing the curtain on 2017 and getting back to the daily grind for another 365 days, a refreshing holiday get-away should be in order, don’t you think?   Although there are still three months before the New Year, you'd be wise to start planning now before every room in every hotel or resort get booked for the upcoming holidays. To help you make sure that your holiday plans don’t remain as plans, here’s a step-by-step guide in planning your year-end vacation.   Set Your Destination   While this is the first and most crucial step, it may also be the most difficult task for various reasons such as having an extensive list of places you're eager to check off your bucket list and you can't decide which one to choose, or you absolutely have no idea where you want to go.   So, where do you want to go? To answer this general question and narrow down your destination options, it might help to ask these specific questions … [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...]

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...]

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...]

15 Songs that Can Get You Into the Love Vibe

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Love. When you’re in love, everything just feels different. Love makes you want to go out on a rainy day, dance, and feel the cool drops of water on your skin. It makes you want to sit on the grass and feel the wind against your face. Love makes you want to sit in silence and enjoy the newfound peace your heart has found. June is almost here, and we can almost hear the faint toll of church bells from a distance. In a bit, we will all be seeing photos of beautiful, blushing brides on our timelines. We would all be led into a dreamy state where we imagine a life in a cozy lakefront house, with Chris Evans and six dogs. Whether you are tying the knot soon or are happily single simply looking to relive the euphoria that comes in the springtime of love, we created this love vibe music playlist for you. 1. Jesse McCartney – Beautiful Soul I don't want another pretty face I don't want just anyone to hold I don't want my love to go to waste I want you and your beautiful … [Read more...]