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...]

What it Means to be a Millennial in a Developing Country

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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...]

Keep, Store, or Sell? A Savvy Fashionista’s Guide to Updating Her Wardrobe

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For a fashion girl, there is probably nothing more fun than updating her wardrobe. But elating as every unbridled shopping spree is, it may come with a few setbacks. One is the challenge of fitting your new loot into your wardrobe. Admit it. Some of the items in your closet are there only for sentimental reasons. Never mind if the pair of exaggeratedly flared pants you pleaded your Mom for 10 Christmases ago just sat in your closet collecting dust. Why, simply looking at it brings proud tears to your eyes, as you are reminded of how far your fashionista self has gone. Plus, it makes your closet look fuller, so why not? But getting rid of items that you don’t use anymore can signal the beginning of a more organized lifestyle. Letting some of your closet clutter go can actually help you save time, space, and even your sanity. Start organizing your wardrobe and your life by taking this short quiz: Now that you’ve sifted through your closet and freed some valuable space, next … [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...]

Are You Ready for the Election? Things to Remember Before You Cast Your Vote on May 9

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Election Day is happening in four days. Are you prepared yet? PawnHero compiles a list of Dos and DON’Ts, when you cast your vote on May 9. 1. Prepare a list of preferred candidates. Educate yourself. Research on the platforms and achievements of the candidates. Prepare a list of your preferred candidates--one president and one vice president, 12 senators, and one party list. 2. Know your precinct number. Find your name in the Posted Computerized Voters List posted near the door of your designated polling place. Know your precinct number and sequence number. You can also check your precinct number online through the COMELEC website. 3. Fill out your ballot properly. Get your marking pen and ballot from the Board of Election Inspectors (BEI). Make sure your ballot is inside a ballot secrecy folder. Go to the voting area to vote. 4. Feed your ballot into the Vote-Counting Machine (VCM.) Feed your ballot into the VCM. Pressing the green (✓) button on the machine casts … [Read more...]

Types of People You DON’T Want to Travel With

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It is always nice to travel on your own, but most times, what makes a trip even more worthwhile is the people we’re traveling with. Bringing the wrong people along, however, is an entirely different story. We list the types of people who can make you say “I wish I had just traveled alone.” 1. The Polar Opposite Don’t get us wrong, it’s not impossible for two people with different personalities to get along. It’s just that, you could both want irreconcilably different things out of the trip, and this may lead to arguments. For instance, you want to party ‘til dawn, but your travel buddy wants to hit the sheets early or when you’ll settle with a cheap inn to stay within the budget while the other person insists on splurging on a cozier accommodation. Another frustrating situation is when you’re someone who values personal space while the other person enjoys invading other people’s privacy. Once he starts tapping you on your shoulder while you’re trying to read a book or looking over … [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...]

20 Songs to Fire Up Your Road Trip Playlist

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We all know that the hazy, lazy days of summer offer the perfect time to embark on an adventure, and so you’ve already got everything ready. All your travel buddies are game, the car tank’s full, and all your bags are packed. Except, you don’t have a destination yet. And a playlist. Without good music playing in the background, a road trip is just. Plain. Boring. So, with the help of the Wandering Weekend Warrior, PawnHero lists five destinations and the perfect songs to get you into the travel vibe: #TenFeetTAAL - AfroJack and Trabel Listening to AfroJack and Trabel’s Ten Feet Tall while traveling to Taal Volcano will make you feel invincible. Like you can conquer the world. Roll the windows down and feel the soft Batangas breeze and feel every inch the invincible person that you are. You may not be as tall as Taal, not even ten feet tall, but nothing in this world can bring you down. #WeHaveOnlyJustVIGAN – The Carpenters The Carpenters’ “We’ve Only Just Begun” is … [Read more...]

Spread Love and Light in these 7 Organizations this Lenten Season

Happiness comes in many forms. For some of us, happiness comes in a new book read over a comforting cup of tea. For some, happiness is a table brimming with food—a debauchery shared with the people we love. For us who work tirelessly for days on end, happiness means a long, restful sleep over the weekend. Although sometimes, even two full days spent in hibernation isn’t enough to fully recharge us and make our hearts happy. This leads us to ask the question, what have we done to recharge our spirit lately? If you’ve tried every possible way to catch the ever elusive happiness, why not try volunteering? Volunteering means giving up a portion of your time and some of your energy, but in turn, you gain new friends and new learning experiences. For a bit of your time, effort, and love, you get to touch the hearts of people who will start out as strangers, but end up as family—and you get to leave your fingerprints in the lives of those you have touched. Wherever your passion lies, … [Read more...]