Transcosmos Resource Links

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4 Practical Ways to Finance a New Gadget

So, you want to get your hands on the latest smartphone, laptop, or that game console, but your savings aren’t enough? You then decide to just wait for a sale, hope to receive it as a gift, or maybe consider applying for a credit card even if you do not like credit cards.

Don’t worry! Financing new gadgets can be easy if you know where to look. There are frugal tech-shoppers who score the best and newest gadgets without breaking the bank. Here are ways you can do this with limited cash:

Data Plans with Gadgets

Some of you know this already. As long as your salary fits the bracket for that gadget, you can get a new phone with data or postpaid plans from telecom networks. All you need is to present documents for proof of identity, address, and income.

In-Store Loans or Financing

You can ask shops if they have installment plans that do not require credit cards. There are retail stores who are actually partnered with Home Credit so they can give loans with little interest. You can now then get your brand new gadget after just an hour or less of transaction.

Online Selling

Sometimes, it can be difficult to save enough from your current financial source of income, hence the need to come up with other streams of income. One way of doing this is by selling your old stuff online.

You could start with selling your old gadget by putting it up on OLX or you could also put up your own online fashion store on social media platforms since it these are avenues for easy marketing. If you’re good at photography, you can actually sell your photos online by putting up a photography page like Ralph Wunsch.

There are so many ways you can generate extra income – you just have to be creative in doing so.

Side Hustle

Getting on a side job is becoming the new norm. In fact, the internet has grown opportunities to work from home and do side hustle. It has provided profitable ventures such as writing, graphic design, social media marketing, and virtual assistance. Currently, there’s a high demand for social media consultants and online reputation managers. So, you might want to check that out.

Aside from these, there are also a lot of freelance opportunities to make money such as being a jingle composer, event emcee, graphic designer, photographer, or whatever individual services that people in your community would need.

Diving in to a little venture of your preference, together with the right discipline, can not only help you save up faster for that gadget you have been eyeing for, but also make a notable difference in your financial life.

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Top 4 Ways to Help You Fund Your Start up Business

If you have been dreaming of having your own business way before, and now have the necessary knowledge and skills to do so, the only thing that you need to ensure is your finances.

By simply wading through tons of business tips, you’ll be able to determine specific techniques you can use as references for funding your start-up business. To better guide you with this new venture, here are the top 4 ways that can help you in financing your business.

Personal Savings

Since you’re starting a business, ensuring that you have a good amount of personal savings that you can utilize is crucial. This fund can come from your hard-earned money from either your previous or present job, or inherited from your parents too.

Regardless of its source, knowing that you value money is important as your dive into the risky yet fulfilling business landscape.

Seek Assistance from Family and Friends

If you’re a young entrepreneur that doesn’t have any savings yet, but very eager to start a business, you may seek financial assistance from your family or friends.

Aside from the ease of borrowing from them, you’ll also have a flexible payment period. Further, there’s a good chance that they would not ask for any interest.

However, you should stay true to your word and be responsible by paying your debt on agreed period, and keeping an open communication if in case you miss a schedule.

Government Agency Loan program

Government agencies like the Social Security System (SSS) and Home Mutual Development Fund (Pag-ibig) offer cash loans with reasonable interest rates, as well as flexible payment terms.

You could either check their official websites or visit the nearest branch in your vicinity to know the requirements that you would be needing to apply for a loan.

Credit Card

Credit cards are of great assistance when making huge purchases but come with high-interest rates ranging between 8-13 percent.

Then again, just like any financial option, it still requires complying with the requirements, processes, and understanding all its included terms.

So, whenever you are ready to start your own business, keep in mind these four tips to know which best suits you, your needs, and of course, your capabilities.

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