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...]

16 Love Lessons We Have Learned from Our Favorite 90s Cartoons

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In the 90s, we didn’t have iPads to keep us occupied. The only thing that kept us busy on Saturday afternoons and prevented us from getting all cranky during schooldays were our old, tube-type TV sets. In the 90s, we have yet to know the backpack-laden young lass with the shapeless bangs. Back then, we had Mary (and her Secret Garden,) Judy Abbot, Remi, Heidi, Cedie, Julio at Julia, Romeo, and of course, Princess Sarah and Tom Sawyer. We knew the lyrics to these cartoons’ theme songs by heart. We remember how we ugly-cried when Patrash died, or when Sarah first felt the throes of turning from princess to pauper. But when memes that featured the cartoons that starred in our fondest childhood recollections started making rounds online, we began thinking our entire childhood was a lie. Why, our wholesome childhood heroes began talking about love! Fret not, they are still the same old characters we find dear. Like you, they had just felt the pang of adulthood. PawnHero lists 16 love … [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...]

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...]

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

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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...]

Going to the Laboracay? Here are the Things You Need to Remember

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The Laboracay weekend is almost here! Laboracay happens every Labor Day weekend, where beach bums and adrenaline junkies hit the shores of Boracay to enjoy the white sand, turquoise waters, and majestic sunsets. This is the one weekend where all of Boracay’s three stations turn into amazing spots for non-stop partying. Locals and tourists alike swarm the island for a weekend of concerts, events, and sports. Laboracay is the one beach event even hardcore partyphiles swear by. To help you get the most out of your trip, PawnHero compiles a list of the things you need to bring as well as some reminders to help you party safely. Don’t forget to pack: ✓ (Waterproof) Tote – Lug your sunscreen, towel, sunnies, phone, camera and towel around in a cute canvas tote! This way you won’t have to worry about losing your stuff or getting anything wet. ✓ Power Bank – For sure, you’ll be taking plenty of pictures and videos. Having a power bank handy will help your phone stay on in case of … [Read more...]

Don’t “Hi, ‘Teh” Me: Street-Level Harassment and How to Deal with It

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Let me share with you a personal story. A couple of years back, I worked as a copy editor for a marketing company in Quezon City. It was a demanding job that required me to work long hours, and my shift usually started at 11 PM or ended at around 9 or 10 PM. One time, at around 9:40 PM, as I was making my way to the jeepney station in Cubao, a guy came walking towards me. When he was close enough, he leaned in so his face was near mine, and whispered, "Sipsipin ko yan." It was raining when I left the office, so I was bundled in several layers of clothing. I had on a dress, a cotton jacket, and a knee-length fleece coat on top of everything. I was confused--why did that happen when I was fairly covered? I froze on the sidewalk in a mixture of shock, disappointment, and disgust. It was not the first time something like that happened to me. I was almost picked up by a man in a car who kept calling me his “beh” and “ma,” if only I didn’t have the presence of mind to approach another … [Read more...]