Not Home For The Holidays? Turning The Holiday Homesickness Frown Upside Down

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“When you feel homesick,’ he said, ‘just look up. Because the moon is the same wherever you go.” ― Donna Tartt, The Goldfinch Supposed to be home for the holidays? But unexpectedly, you just can’t go home. Well, the sacrifice to be away from home is not at all easy and we salute that noble pursuit. While homesickness embraces you like the cold December air and not a fire by the hearth can warm the heavy heart, we can still turn that holiday frown upside down. You’re not the only one after all, everyone, one way or another, felt homesickness on the holidays. Here’s how you can cope up with your feelings: Let it all out. It’s okay to cry! At this time, there’s no guilt in crying. You are not weak. You have been amazingly tough. It’s best to release all that sadness because you need to free up the space of your feelings and fill them with joy, optimism and glee. Just let it all out, you need a good cry. Those tears measure how much you long for the company … [Read more...]

Pawnina Shares: Seven Overspending Sins That OFWs Commit And How To Deal With Them

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Hi there, Pawnina here! Right after Halloween, the holiday season is back to rule our lives. For OFWs, this means a coming home party. Of course, with that comes their balikbayan boxes. (Yay!) Sure, most OFWs are wise with their financial management experience [Read: When In Abroad: Filipino Balikbayans Share Practical Money Saving Stories Away From Home], however, others tend to fall back with their finances from the extravagant lifestyle their surroundings offer, leading to bad financial habits. We’re two months away until we set a new resolution, and if you are working abroad or know someone abroad here’s an eye-opener about the seven overspending sins OFWs commit. Old habits die hard they say, but let’s break them good. GREED: When retail therapy/shopping just got them. A lot of OFWs fall prey to the luxury surrounded to them, especially when they feel that their salary covers a whole lot more than what they’ve been used to spend. Shopping can also be therapeutic, but … [Read more...]

When In Abroad: Filipino Balikbayans Share Practical Money Saving Stories Away From Home

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“Balikbayan!” With the holidays rolling in, we’ll be seeing a lot of our beloved ones coming back to the Philippines from all over the world. That means celebrations, reunions, local tours, the much-awaited Balikbayan boxes with imported pasalubongs - a Filipino tradition of bringing home gifts - and sometimes their “bonggang pa-treat!” But behind the lavish life we imagine them to have, these Filipino Balikbayans share insider accounts on how they live a frugal and practical lifestyle. If you are planning to work abroad, live abroad or migrate abroad, here are shared saving tips that come in handy… “It’s very Pinoy…” tho, one would say.   1)  "Save a portion of your salary into your bank account in the Philippines so you won't touch it..." -Kesh, 22, Dubai Kesh has been working in a company in Dubai since graduating from the University of Santo Tomas last April 2014. When asked how she budgets her finances, here's an advice she gives to aspiring … [Read more...]

How to Survive Holiday Sale Shopping (Without Going Broke)

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Holiday sales! It’s probably the best days for Filipino shoppers. Why not? A 50% off on branded sneakers or a Buy 1 Take 1 promo on cool jeans is not a bad deal, and knowing Filipinos, we always want to make the most of our buck. It’s no wonder why despite the thick crowd, we hurry to malls just to take that rare chance of finding big discounts.   Here’s a caveat though: More holiday sales are expected to come before the year ends. So, you might want to control that urge to buy on impulse each time a new shopping sale is announced. We know it’s hard, but you wouldn’t want to welcome 2017 with empty pockets, right? Check out our tips to help you survive back-to-back holiday shopping sales without going broke. GIF Source Set a budget and stick to it It wouldn’t hurt to set limits on your spending. It only shows that you’re a responsible shopper. After all, having a budget in place can help you set realistic expectations on what you can afford. Once you’ve set your … [Read more...]

How To Avoid Holiday Sale Blunders That Scare Potential Customers Away

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You think you got the best deal out there? Well, you’re in the mindset of a merchant. That’s too one-sided. Know that you are not the only biz making a good sale out there. As a business owner or a business partner, the right way to plan a holiday promo or a holiday sale run is to "think how a customer thinks."  Avoid these holiday sale blunders so you won't scare potential customers away. 1) Discount Signs that your consumer ignores. “SAVE UP TO 50% NOW!!” What’s wrong with the sign? Well, for starters, it feels like you’re screaming at your customers. The way you present your holiday sale signs also contribute to luring your customers in. As much as possible don’t be a CAPITAList (pun intended) and a punctuation abuser. The sense of urgency you are trying to pull off gets thrown out the windows of your potential customers with these copy writing blunders. Image source 2) Lacking of creativity on your sales. The challenge with making promos is to stand out. A boring … [Read more...]

A Hero Reminder: Your Safety Plan To Get Prepared For Every Storm

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Safety is the utmost priority at any given calamity, so never take warnings, news, announcements and weather forecasts for granted. From the many calamities that struck, not one is bound to leave the same impact. We never know what the storm may bring us but what we can do is to be highly-prepared for what’s to come. As a hero reminder, here is your safety plan to brace yourself for the impending rainy typhoon season ahead. 1) Check your must-have emergency kit items. Always have an emergency kit stored at your homes. Note that establishments are preparing for the storm and are looking to close early, so check if you have all the must-have basic NEEDS in your emergency kit: Bottled water, food, first aid kit, warm clothes, flashlight and batteries, umbrella/raincoats, whistle and toiletries. 2) Secure your homes. Damage, debris and death, the ugly D triplets that the mother of all storms bring! We don’t want to meet them, so as much as possible keep your homes secure and … [Read more...]

What The World Will Be Like If Holiday Sales Didn’t Exist?

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The world without holiday sales? "It's impossible! It's preposterous!" Yes, this gasping alternate reality may seem unimaginable but what if we lived in a world where holiday sales are non-existent? Let's take a theoretical approach of our world in a parallel universe where holiday sales just don't matter and see if our lives would be better or would just go berserk. Image source 1) Probably we’ll be more frugal. The economics of Christmas sees a peak selling season for retailers across nations around the world. Holiday sales in our world is like the vitamins of the economy where consumer spending behavior are proactive as people purchase gifts, decorations and supplies to celebrate. This means people are much more prone to impulsive buying. But in our "theoretically speaking" opposite world, a frugal lifestyle will be the result of an absence of holiday sales. The world will probably have a season where happiness and contentment is based on emotional bonding than … [Read more...]

Pawnina Shares: Halloween Promo Tactics Your Business Can Pick-up From Watching Horror Movies Alone

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Hey guys, Pawnina here! Before the cheerful chill of the Christmas season, we get shivering feels, not from the holiday cold, but from the Halloween break (Awoooooo). Time to get those boxes of blockbuster DVDs from the closet and blow away those cobwebs (vintage is not ancient by the way) because we got a long scream fright ahead (laughs incessantly). Don’t close your eyes tho, we’re not here to discuss a film review, we’re here to use the horror movies as inspiration to our Halloween promo ideas. Here’s a fun fact, a 2014 study, entitled "The Impact of Fear on Emotional Brand Attachment," revealed that consumers experiencing fear while watching a film feel a greater affiliation with a present brand than those who watch films evoking happiness, sadness or excitement. Very interesting! So, let’s snatch the mojo from those horror films and understand how we can pick-up Halloween promo tactics from watching them alone. The formula of Mystery What’s the missing link? Horror … [Read more...]

Trick or Treat: Halloween Promo Tricks To Treat Your Business To An Increase In Revenue

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We’ve been sharing more about how to get your business sales increase this holiday season, but let’s take a break and play a little more. Since the time of the year when you could dress to be whoever you want is nearing, take good advantage of this opportunity to give your customers something to look forward to. Yes! Happy Halloween folks! Halloween may only fall for two days, but you could start spicing up your trick or treat ideas now to give your business revenue a boost. Scare all the negativity away and create an aura of fun with these Halloween promo tricks to try below: 1) Treat them with free candies. According to a study entitled "Sweetening the Till: The Use of Candy to Increase Restaurant Tipping", handing out candies or sweets while giving customers their check in a restaurant increases the likelihood of the customers' tip-giving. The study showed three observations: Observation 1: When the waiter left a single piece candy while giving the receipt, the average … [Read more...]

Can’t Pay Your Credit Card Bill? Here’s What to Do Next

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Admit it. Your credit card bill isn’t your favorite mail to receive every month end. But when it arrives with a big figure, reality hits you hard. You just can’t pay it all. So, what’s next? You are not alone. Most people are having a hard time paying their bills on time and in full too. It could be brought by unforeseen circumstances—from losing track of monthly expenses to emergencies and unemployment.   What Happens When You Don’t Pay Your Credit Card Bill Often, you won’t think about the consequences of an unpaid credit card bill. First month of missing it isn’t that noticeable. But when you consistently don’t pay your bill, interest rates and penalty fees accumulate which are sure trouble to your pockets. Late repayments come with penalty fees ranging from 4% to 7%, while compounding interest rates range from 2.5% to 3.75%. Waiting for more than 90 days isn’t a smart move. Your creditor will mostly likely put your name on the permanent negative record, which can … [Read more...]