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...]

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...]

Top 10 Laptops for the Upcoming School Year

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Laptops and computers are such an essential part of daily life that it's become often much more difficult to manage without them. For students on a budget, however, they represent a considerable enough investment of money. PawnHero takes a look at the most affordable laptops that you can get on even a minimal budget that can get the job done for you this upcoming school year. These machines won't bowl you over with high-end specs, nor can you count on them for heavy duty work, but if you just need something to type up the next report or do a little bit of research, they're perfect. After all, beggars can't be choosers! 1. Asus Chromebook Flip The Chromebook is a great platform for those on the tightest of budgets because its lack of a physical storage drive lowers the costs considerably. Wholly online, these laptops are functional to the highest degree and revolve strongly around Google's excellent cloud-based services. Word processing is handled via Google Docs, browsing and … [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...]

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...]

Stunning Santacruzan Gowns by World-Famous Pinoy Fashion Designers

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In the Philippines, May is known to be the most colorful time of the year. It is the month of fiestas, signaling merry-making that lasts for several weeks on end. It is the month when rains begin to pour, relieving long dry spells, and allowing an abundance in harvest and flora. As a predominantly Catholic country, Filipinos show their gratitude for the beneficial rains by giving praises to the Virgin Mary. The Virgin Mary is venerated through a string of festivities commonly referred to as the Flores de Mayo (Flowers of May). During this time, church aisles and altars are decked by an array of beautiful, fragrant flowers. Townspeople, in their Sunday bests, gather in the afternoons to pray the rosary, and to share homemade snacks afterwards. During the Flores de Mayo, select maidens from every town participate in a week-long pageant called the Santacruzan.  The belles were chosen not for their looks alone, but for the way they embody the qualities of the quintessential … [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...]