Pawnina Shares: The 7 Wonderful Perks You Can Enjoy With Good Credit History

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Hey guys, it’s Pawnina again! Sometimes when you want to be secure of the future, you have to look back in the past. That’s how banks foretell a borrower’s tomorrow, they check their credit history. Okay, a credit history is like your financial background check. Yes, the financial institution has extensive connections (that you don’t have, no offense) to see whether a person is worthy for an investment. So, they say that you don’t judge a book by it’s cover, but that doesn’t work for lenders, because a person’s loan responsibility is judged through his/her credit past. Now, check out these seven wonderful perks you can have with a good credit history and know why it’s always better to be good. After all, you don’t want your credit past to haunt you. 1) Easier loan approvals. Planning to get a real estate loan for that condo or house, a car loan to get your dream vehicle or a business loan to finally be your own boss? Well, better mind your past because your credit … [Read more...]

PAWNINA Shares: Types of Holiday Spenders To Look Out This Season

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“Tis the season to be jolly, fa la la la la, la la la la”   Hi guys, Pawnina here! Isn’t it just cheerful to sing the holiday carols even we’re three months away ‘til Christmas? Well, blame it on the best thing I love about Christmas here in the Philippines,  when it starts early -September- and ends late - January. So, there’s so much to expect around; reunions, celebrations, traditions, and including the holiday spenders! (Giggles) These holiday spenders are just everywhere at this time of the year! So, let’s take a quick profile of the holiday spenders to look out this season and decide also for ourselves to which type of holiday spenders do we fall into. Profile A: The Seasonal Millionaires Let’s welcome the all-time holiday spenders! The big shot of the season - the Seasonal Millionaires. These type of holiday spenders are the financially hospitable and the financially capable. A holiday budget is not their top concern. They are all out to spread the holiday spirit … [Read more...]

PAWNINA SHARES: 10 Haggling Tips To Score A Bargain At Almost Anything

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Hey Guys, Pawnina here! Haggling or “Tawad” is considered a thing here in the country. It comes to no surprise that flea markets, thrift stores, yard sales, warehouse sales, garage sales, junk stores, antique malls or artisan malls are go-to places for patrons looking for great bargains on amazing items. Top places for bargain-hunters like Divisoria, Greenhills, Baclaran, Quiapo markets, to name a few,  are arenas for the bargain industry. And having to leave these places without a bargained item in your shopping bags is unfortunate, if you’re new to this. If you’re missing out on getting your hands to bargain stuffs on these places and wanting to go up against merchants with their well-prepared deal-bargain experience, don’t feel intimidated, every master was once a beginner. Below, we’re sharing you ten haggling tips to score a bargain at almost anything. 1) Dressing down is key. The first rule of thumb is to always look as simple as possible. The merchants at flea markets … [Read more...]