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Pawn shops: How to get the best deal

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*Article contributed by Кириченко Степан.

Pawn shop in the Philippines provide a variety of services – from issuing secured loans to accepting payments and money transfers. Pawnshops are especially common in rural areas.

Why are these services so popular?

Firstly, they do not require confirmation of your solvency, which simplifies the procedure for issuing a loan. In order to receive money on bail, you only need an identity document and the pawn.

Secondly, today the list of things that take as collateral is very long:

  • Cars and motorbikes
  • Appliances and cameras
  • Gadgets
  • Smartphones
  • Gold, silver, diamonds
  • Clock.

Thirdly, there are pawnshops that accept online loan applications. The principle of operation of such services is as follows:

1.   On the site you get acquainted with the terms of the loan and the preliminary cost of pawns.

2.   If you accepted our offer, you should choose a receipt schedule so that courier could go to your address to pick up your pawn and deliver it to the office to evaluate it.

3.   After a few hours, you can cash them out with a free credit card that the courier brought.

How to get the best deal among a huge number of pawnshops?

Indeed, every day a new company may appear on the online services market with a profitable offer, which will be difficult to find out, since the office of the new company may be far from your place of residence. UpFinance service will come to your aid! Here you can find relevant information about pawnshops and their contacts. You can compare all offers and choose the right pawnshop near you with the best conditions.

*Article contributed by Кириченко Степан.

How to use GCash: How to register and link accounts

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Disclaimer: This is NOT a promoted or paid post. A few people asked me how they can pay for stuff online but they didn’t have a debit or credit card, so I did some research and found out about GCash. I decided to try it myself and write about it here.

Tagalog Version (Click Here)

I don’t know about you, but I hate waiting in line. If I need to pay bills or send money, I have to walk all the way to a Bayad Center branch or a service provider’s store, grab a form and write on it, and spend a long time waiting behind a dozen or so people all paying their bills and stuff. When I need to buy some prepaid load, I have to look for a shop that sells it, pay for the load PLUS a small fee. It’s really such a hassle.

Thankfully, there’s an easier and FASTER way to do all that. No need to wait in line. If I need to pay bills, buy load, or send money, I can do it at home or while I’m sitting around in a coffee shop reading. Ever since I started my GCash account, I used it to pay our family’s bills, my SSS contributions, and buy prepaid load. Since there’s usually no line at the TouchPay machine, I just add money to my GCash account whenever I need to pay for something later on.

If you want to pay bills, send and receive money, buy load, shop online, and do a lot of other stuff from the comfort of your own home using just your smartphone or tablet, then read this guide to learn how to use GCash!

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5 Easy Ways to Get Out of Debt Fast

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Want to get out of debt? Want to do it right away? We can help! These five easy tricks will help you get out of debt quickly and get you onto a brighter financial track.

1. Pay More Than The Minimum

All of your debt accounts will give you a set monthly payment that you need to make. While you definitely need to make sure you pay this minimum on time in order to reduce your debt, you should also pay a little bit more. Any extra payments you make will help decrease your interest payment and also make your debt disappear faster. An easy way to do this is to simply round your payment up, making it a nice whole number and also paying off more of the debt. If your monthly payment is $176, pay a full $200 each month. This will be easy to budget for and after 12 months of doing this, you will have paid more than a full extra payment on your debt! That “minimum payment due” should just be the absolute minimum that you pay.

2. Pick Up A Side Job

The best way to get out of debt fast is to increase your income. Pick up any side jobs that you can in order to make a little extra money. Try babysitting, mowing lawns or picking up extra work at your existing job. Just be sure to put any extra money you make toward paying your debt. If your additional income goes straight toward debt payment, you won’t have to work that extra job for long!

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5 Great Reasons to Donate Your Car in Utah

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*Article contributed by Sarah Williams.

Oftentimes, people’s minds drift to clothes and money when they think about something to donate. Those are two things that everyone has, and there are plenty of places that accept clothes and money. Churches are always looking for both to help out underprivileged people.

But, have you ever thought to donate a car in Utah?

That’s right, you can actually donate your car in the Beehive State. This article will run over some of the fantastic reasons why you should consider donating your car.

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