Wednesday, August 10, 2022

Finance Tips You Need to Know: How to Manage Debt

 

How to Manage Debt

Finding yourself in over your head? You're not alone. Debt is, unfortunately, a fact of life for all of us these days, regardless of whether we're big spenders or conservative savers. However, many people are still not aware of the options they have to get rid of this problem. Here are some tips you can use if you're looking for help with debt management.

 Define the Scope of Your Debt

The scope of your debt is the total amount you owe. It can include any balances on credit cards, student loans and medical bills, as well as unpaid taxes or child support. It's important to define the scope of your debt before you make a plan to tackle it. The following questions may help you analyze your financial situation and make decisions that will improve it.

What's the total amount of debt?

What sources of income do I have?

How much can I afford to pay toward my debt each month?

What is my credit score?

Pay More than Minimum Payment

Focus on paying off those debts that incur the highest interest rates first.

Paying more than the minimum payment is a good way to avoid paying additional interest on your credit card debt. The best way to avoid debt is to pay off your balance in full each month.

If you can't afford to pay off your entire balance, you should at least pay more than the minimum amount due each month. Paying more than the minimum will help you pay down your debt faster and save money in interest charges. For example, if your credit card bill is $500 and the minimum payment is $25, paying only $25 will take you 30 years to pay off your balance. Paying $50 per month will take you 10 years to pay off your balance, but paying $100 per month will reduce that time period to 7 years.

Cut up your credit cards

If you want to get out of debt, the first step is to stop using credit cards.

It won't be easy at first, but soon you'll learn how to live without them. With practice, it will become easier.

Here's how:

1. Cut up your credit cards. It might seem obvious, but in practice it can be difficult. If you have a hard time cutting up plastic, try this trick: cut up an old credit card and put the pieces in a baggie or jar by your front door so that every time you leave for work or run errands, you see them there (or in your car if you're afraid of losing them). You might have to do this for a month or two until the idea of having no credit becomes more real than having one.

2. Stop charging purchases and pay cash instead. This one is harder for many people because they get used to paying with plastic and then don't know how much money they have left at the end of each month (or week). But if you plan ahead by saving up enough cash beforehand so that you won't need extra money in your account during certain weeks or months

Consider talking to a financial advisor or debt management company

Consider talking to a financial advisor or debt management company like creditloan.com that offers short-term financial solutions for people who struggle with bad credit.

These professionals can help you come up with a plan that will allow you to pay off your debt in a reasonable amount of time — and without it costing you more money than necessary. They also often have access to lower interest rates on your credit cards than you might be able to negotiate on your own.

Cut down on expenditures, or simply find ways to spend less money

Cutting back on your expenses is a great way to save money, but you don't have to cut back on everything. In fact, it's often better not to do so. For example, if you're used to eating out every day for lunch and decide that instead you'll bring your lunch from home, this will save you money in the short term but may actually end up costing more than buying lunches out. The reason is that when we cut back on spending in one area of our lives, we often compensate by spending more in another area. So if you stop eating out at restaurants or fast-food joints, then chances are good that you'll be eating more snacks at home because they're convenient and cheap.

Cut unnecessary expenses and prioritize your bills so that you can pay off the most important ones first.

Create a budget and stick to it

Create a realistic budget. Become aware of your spending patterns. To begin cutting back on expenditures and spending less money, start by becoming aware of where your money goes each month. Write down all of your expenses for one month and add them all up. 

Find a side hustle 

Earn extra income on the side.  Find another income source like doing part-time jobs or freelance work through Fiverr, Upwork and more.

Go on garage sale, sell items you don't need.

The key is to find something that you enjoy doing and can do consistently — that way you'll never get bored and your side hustle will be able to grow into something bigger.

Hopefully these tips on how to manage and tackle debt will help you build a better financial future for yourself and your family.

 

 

Monday, August 08, 2022

Discover Southeast Asia’s must-have finds through the ASEAN Online Sale

 Get up to 90% off on Southeast Asian products on Shopee from August 8-10 


MANILA, AUGUST 5, 2022 - Ever thought of exploring other cultures but never had the chance to? Now, Shopee makes it easier for you to get the best of what other countries have to offer, right from the comfort of your home. Starting August 8, discover what Southeast Asia can offer and get up to 90% off at the ASEAN Online Sale. 


Shopee partners with the Department of Trade and Industry for the third straight year to once again bring you the best treats and local delights from neighboring countries such as Singapore, Indonesia, Thailand, Vietnam and more.  


From August 8-10, you can visit the ASEAN Online Sale on Shopee and get up to 90% off on fashion staples, delicious drinks, must-try food, and essentials popular in Southeast Asian countries such as: 



Singapore 



Singapore may be a small country, but they are home to world-class tourist spots, people and products. One famous product from Singapore is the Tiger Balm White Ointment, a soothing cream that  has been used to treat headaches and muscle pains for generations. The city-state is also known for being a foodie’s haven with multicultural influences in their cuisine. Enjoy their national dish at home with this Hainanese Chicken Rice Paste, a convenient way to replicate your hawker center experience. For a heartier meal to enjoy during the rainy season, consider whipping up a bowl of Bak Kut Teh. With the simple addition of this sachet to a pot of pork ribs, garlic, and water,  you’ll get a deeply flavorful dish that brings you warmth and comfort.



Indonesia 


Indonesia is a country known for its  good food and exquisite handicrafts made by the people. An example is the Indomie Mi Goreng, an instant noodle brand that has taken the world by storm with its sweet and savory taste. Another is the  Boncabe Chili Sachet, a dry sambal mix that adds a flavorful kick to any dish and comes in a variety of heat levels to cater every type of palate. Finally, Indonesians are also known for their craftsmanship. In the island of Bali, you’ll find an abundance of beautiful home and fashion pieces like this Rattan Sling Bag, which will definitely add flair to your weekend style. 


Thailand 



Thailand is home to products that have made waves across different countries and now you can get them all at Shopee! For your beauty needs, look no further than A Bonne, a fan-favorite local beauty brand known for its milk-based skincare products like this Collagen Whitening Lotion For the warm days, quench your thirst with a creamy, sweet glass of this Thai Wintermelon Milk Tea, a popular drink among Thai locals and tourists alike. Finally, grab quality Thai-made products at a bargain like this pair of Nanyang Slippers. These slippers are made from 100% rubber, making them durable and comfy. 


Vietnam



Vietnam is a hotspot for hip cafes, street food and affordable fashion markets. Now, you can feel like you’re in Saigon or Hanoi when you score deals on these products. Sip a fresh brew of strong Vietnamese coffee at home with this Ground Coffee Blend to make your mornings better. Re-create recipes with a bottle of authentic Vietnamese Fish Sauce, a staple for almost every dish in their cuisine. Like Indonesia, the Vietnamese are also known for their craft and artistry, especially when it comes to fashion. Luckily, Shopee houses a wide assortment of affordable fashion finds from Vietnam, like these cute and comfy Sandals that would make a perfect addition to your wardrobe. 


Philippines 



Filipinos have been honing their talents in creating quality, timeless products. Rock a pair of these sleek CLN Floris Slides, a proudly Pinoy brand dedicated to providing fashionable items for women from all walks of life. Complete your IG-worthy attire when you wear this local Button Down which gives an extra oomph to your style. The emergence of FIlipino beauty brands in recent years have helped elevate the local industry, while giving shoppers affordable yet high-quality options. Look and feel fabulous in a shade that complements morena skin tones with the Colourette Colourtint in Maddie, a long-lasting multi-use tint that’s easy to reapply when you’re on the go. 


With the ASEAN Online Sale,  discover and buy Southeast Asia’s must-have finds now at great deals.  Visit here to learn more. 


Saturday, August 06, 2022

Save On Johnson & Johnson's Healthcare Essentials Now In The 8.8 ShopeePay Festival

 

Get Shopee-exclusive deals and up to 50% off on Johnson & Johnson's healthcare essentials this 8.8 ShopeePay Festival!

You could spread your love every day and in every way, or you could just make sure you are always surrounded by it come 8.8! To do this, we're giving you a reason to smile even more with deals on products that keep you healthy and happy.

Live a more holistic and healthy home life with your family by adding Johnson & Johnson essentials to your routine. Johnson & Johnson is a leader in healthcare and consumer products. They are committed to providing quality healthcare, adding value to every stage of life, and disrupting the status quo through innovation. The 8.8 ShopeePay Festival will be your chance to save on these products!

Get your hands on these exclusive Shopee deals and start enjoying the must-haves from Johnson & Johnson and save up to 50% off on products!

As part of the 8.8 ShopeePay Festival, here are some of the exclusive deals from Johnson & Johnson!

Johnson's Milk+Rice Bath

The Johnson's ® Milk + Rice bath has natural milk and rice extracts to help skin feel soft and smooth. Tested with pediatricians, it has milk proteins, rice extracts, plus multiple vitamins and minerals to help keep babies’ skin nourished as they grow.

Check it here:  https://shope.ee/AUHNulNhir

Aveeno Baby Daily Wash & Shampoo

Aveeno Baby Daily Wash & Shampoo contains natural colloidal oatmeal blended with rich emollients to soothe your baby's delicate, dry skin. It also has a non-greasy formula that absorbs quickly, moisturizes for a full 24 hours, and contains no drying alcohols that won't clog pores.

Check it here:  https://shope.ee/5pVYMFhuU4

Neutrogena Ultra Sheer Dry-Touch Sunscreen Broad Spectrum SPF50

The Neutrogena Ultree Sheer Dry-Touch Sunscreen SPF50+ (PA+++) is a breakthrough in sun protection. Stabilized with Helioplex, it provides superior balanced broad-spectrum protection against skin aging UVA and burning UVB rays, and combines it with Dry Touch technology for an ultra-light, non-shiny finish. This lightweight sunscreen also has a light fresh scent and is gentle enough even for sensitive skin. It is designed to be water resistant, sweat resistant, and resists rub-off. The Neutrogena Ultra Sheer Dry-Touch Sunscreen SPF50+ (PA+++) has also been made non-comedogenic, oil-free, and PABA free which ensures that it won't clog your pores when you use it!

Check it here:  https://shope.ee/7exCXg9KSn

Listerine Fresh Burst Mouthwash

When used twice daily after brushing, Listerine Fresh Burst provides 24 hour protection against germs that cause plaque and gum problems. What's more, using the Listering Fresh Burst makes sure that you clean and remove plaque 6x better than brushing & flossing alone. Its unique formula with 4 essential oils deeply penetrates to kill the bacteria in the plaque biofilm.

Check it here:  https://shope.ee/9zL7K1hIgK

 

Wednesday, August 03, 2022

Transition smartly and level up your face-to-face classes with Rex Education’s Schoology

Rex Academy

The education landscape has been forever changed by the pandemic. As we continue to champion education and believe that it evolves and transforms lives, we can expect more and better changes in the future.

Being in the now new normal, going back completely to the way we were does not encourage evolution nor transformation. We have explored so much, stretched our capabilities, challenged old norms, and persevered and persisted. We are moving forward. We take with us the learnings, technology, and innovation of the significant last 2 years and integrate them into an evolved version of an education continuity template, our shield, for the 21st century.
With schools getting ready to transition back to face-to-face classes, Rex Education reminds educators that there are many tools and best practices from their distance learning setup that can help them level up students’ learning experiences inside and outside the classroom. Schoology is one useful and impactful tool.
Schoology is one of the very first learning management systems (LMS) made available to teachers and students to continue their teaching and learning from home when schools were forced to close temporarily in 2020. Because of the demand for LMS during that period, REX expanded the reach of Schoology and the wealth of resources available on the platform. Thousands of teachers and students are now using Schoology as part of their online and distance teaching and learning modalities.
“When we introduced Schoology to the Philippines in 2015, we had an idea in mind that the digital classroom is the classroom of the future. That’s why when the pandemic broke out, we were ready. Schoology created an avenue for seamless learning, without compromising our learners, and playing to the advantage of our learners being digital natives. Today, the digital classroom is the classroom of the now normal.” said Rex Education CEO, Don Timothy Buhain.
Schoology is the digital classroom of today
Returning to face-to-face classes does not mean leaving behind the best practices we have learned from online and distance learning. Schoology was originally designed to augment and enhance the traditional learning setup, not completely replace it, making it the perfect platform to provide 21st-century learning experiences needed to transition students in the now new normal.
Technology cannot be an add-on; it’s a necessity. Flexible learning is not a privilege or an advantage; it’s also a necessity. Certainly, future-proofing our classrooms, although it cannot be perfected, is a reality.
To date, the transition is ongoing and many schools are in different stages in their choice of learning modalities that will fit their learners’ needs. Some may still be designing or experimenting, and some others are already strengthening what they have. Having a trusted partner grounded in sustainability, flexibility, and technology is key in making the transition as smoothly and efficiently as possible. Backed by more than 70 years of expertise, Rex Education and with Schoology could be every school’s ideal partner for the 21st-century classroom.
Schoology makes synchronization seamless. Since many schools have been employing a hybrid learning setup where students go to school in schedules or batches, using Schoology as the primary LMS for each class ensures that all students—both on-site and off-site—are on the same page.
In addition, assessment is made easier with the automated test scoring and consolidation of results through Schoology’s Grade Book. Analytics are readily available for teachers so they may adjust their materials based on the class performance, while parents are able to monitor their children's progress throughout the quarter and the academic year.
Moreover, classroom management and communication are centralized in the platform. Students, teachers, and parents can also monitor the student workload through Workload Planning, and they can be reminded of deadlines using the platform’s Calendar function.
Schoology can be accessed via browser on PC and laptops, or on mobile phones and tablets via the app. As an all-in-one learning platform, it comes packed with features like Personalized Courses, Calendar, Messages, Dropbox, Online Tests, Integrated Apps, Groups, and Grade Book.
“Our partnership with Schoology is just one of REX’s many efforts to fulfill our promise that we go where the learner goes. Our learners’ needs and circumstances are always changing, always evolving; and it is our duty as Edukampyons to be on the cutting-edge of educational innovation so our products and services are always relevant to the 21st-century learner,” revealed Buhain.
Stay updated with Rex Education’s latest releases. Be part of the REX Basic Education Community by registering here. For more information about REX’s Basic Education programs, Schoology and Rex Academy, visit rex.com.ph or contact cicsupport@rex.com.ph.