Pawnina Shares: The 7 Wonderful Perks You Can Enjoy With Good Credit History

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Hey guys, it’s Pawnina again! Sometimes when you want to be secure of the future, you have to look back in the past. That’s how banks foretell a borrower’s tomorrow, they check their credit history. Okay, a credit history is like your financial background check. Yes, the financial institution has extensive connections (that you don’t have, no offense) to see whether a person is worthy for an investment. So, they say that you don’t judge a book by it’s cover, but that doesn’t work for lenders, because a person’s loan responsibility is judged through his/her credit past. Now, check out these seven wonderful perks you can have with a good credit history and know why it’s always better to be good. After all, you don’t want your credit past to haunt you. 1) Easier loan approvals. Planning to get a real estate loan for that condo or house, a car loan to get your dream vehicle or a business loan to finally be your own boss? Well, better mind your past because your credit … [Read more...]

PAWNINA SHARES: 10 Haggling Tips To Score A Bargain At Almost Anything

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Hey Guys, Pawnina here! Haggling or “Tawad” is considered a thing here in the country. It comes to no surprise that flea markets, thrift stores, yard sales, warehouse sales, garage sales, junk stores, antique malls or artisan malls are go-to places for patrons looking for great bargains on amazing items. Top places for bargain-hunters like Divisoria, Greenhills, Baclaran, Quiapo markets, to name a few,  are arenas for the bargain industry. And having to leave these places without a bargained item in your shopping bags is unfortunate, if you’re new to this. If you’re missing out on getting your hands to bargain stuffs on these places and wanting to go up against merchants with their well-prepared deal-bargain experience, don’t feel intimidated, every master was once a beginner. Below, we’re sharing you ten haggling tips to score a bargain at almost anything. 1) Dressing down is key. The first rule of thumb is to always look as simple as possible. The merchants at flea markets … [Read more...]

Pawnina Shares: 7 Ways To Live A Debt-Free Life

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Hi guys! It’s Pawnina again! Bringing along the debt you have is an absolute No! No! These IOUs are bad vibes that stress you, sometimes break a good relationship, or worse become a source of depression. But you guys can avoid living in debt, just keep in mind to follow these 7 tips to check yourself in for a debt-free lifestyle. 1) Keep Daily expenses in check. You don’t necessarily have to keep track of your daily expenses forever. You can do this for a good period of time. Doing so can help you discover a certain pattern of your financial behavior. That’s a good thing. You can identify the problem if you have a hard time making ends meet and find a good solution to make yourself into managing your daily expenses wisely. Image source 2) Avoid spending above your means. The struggle is real for among the many who would relate to memes where you overspent on the first few days of receiving your salary and as a consequence you spent half of the remaining days struggling on … [Read more...]