A Millennial Guide to Getting Personal Loan

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  #Adulting has been a buzzword among the millennials, and is often used in a witty way to mean taking charge of your own life, doing grown-up things, and holding responsibilities. From having a job, paying bills, ensuring that your car is in good, working condition, undergoing certain medical procedures, planning some home improvement activities, achieving financial independence, and so forth. But if you would be honest, #adulting is so much more than a millennial jargon. It’s an inescapable reality just like having expanding waistlines and thinning hair, and admittedly, it’s no less scary than the latter two. Unfortunately, there’s no denying that only a few grew up truly prepared to #adult, particularly when it comes to handling finances. As a Filipino millennial yourself, you know very well that you still have a lot to learn when it comes to your financial health and spending habits. More so, that it takes time to truly take control over this large part of your … [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...]

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...]

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...]

5 Times Vanessa Hudgens Gave Us Coachella Goals

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It’s Coachella season again! Okay, while not all of us are fortunate enough to be jetting to the Coachella Valley to attend the music festival, that’s no reason to be blue. There are music festivals left and right here in the Philippines, and though it doesn't involve dancing in the middle of a faraway desert, you are bound to have just as much fun. If you’re looking for the latest fashion trends in Festival-land, there’s no better person to consult than the Festival Queen herself, Vanessa Hudgens! Here are five times V gave us Coachella goals: 2011 V Hudge looks super cute in a cropped crochet halter top and denim shorts. She completes her look with feather hair accessories, armbands, layered necklaces, and a leg chain. Here, she looks ultra-hip in a crochet maxi skirt, and a flowy chiffon top. 2012 Look how charming V looks in a black and white flowy spaghetti-strap number and sheer stockings. Donning a flowy, floral bandeau, denim shorts, a sheer crochet … [Read more...]

Hottest Swimsuit Styles for Summer 2016

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  Going away on a tropical holiday is never complete without a good OOTD. It’s about time you throw away that teenybopper, cherry-printed, ruffled tankini, as 2016 is the year for bolder, sexier pieces! PawnHero compiles this year’s hottest swimsuit styles that will warrant you several double-takes on the beach: Racerfront Bikini We’re sure you’ve all heard of the racerback back in the early 2000s. That fashion trend is back, only, it now takes a different form. Folks, meet the racerfront bikini. Especially designed to flatter your toned built, this bikini looks perf with your favorite G Shock. Halter Bikini The halter bikini is one perfect way to show off your to-die-for shoulders.  It accentuates perfectly-toned arms, and flatters almost any body type. Chambray Bikini   The only chambray/ denim piece you can wear to the beach is a pair of shorts, right? Wrong. You can totally rock a denim or chambray bikini on the beach! Basic Bikini The … [Read more...]

Beginner’s Guide to Stress-Free Budgeting

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Let's admit it; Filipinos love to spend. We also love to plan get-togethers with friends and other gimmicks around our paydays. Whether it’s to play billiards, watch movies, or have karaoke nights, the mere mention of “sige, sa sweldo” almost, always, means it's a sure thing. Shopping and dining out also revolves around this bi-monthly phenomenon – we're millionaires for one day, paupers for 14. The thing about being financially responsible, though, is not just being able to spend for yourself and pay your bills, you also need to set aside something extra, especially if you have your own family and much more if you have children. How to Be an Expert at Budgeting – The Stress-Free Way! Learning how to budget (as opposed to withdrawing everything in your ATM account) not only allows you to cover all your necessities, it also gives you the opportunity to start saving. It can be a trip of a lifetime or a down payment for a new car or condo – point is, it's time to start acting … [Read more...]