The Ber months are officially here, which means your calendar, and probably
your expenses, are about to get a lot busier. With more things competing for
your budget, a little planning now can help you enjoy the season without
feeling like all your expenses are hitting at once.
The move? Moneymaxx your way through the Ber months: start preparing early,
make your money work harder, and get more value from the spending you’re
already planning to do.
Here’s your guide to getting your money holiday-ready with Maya.
1. Start building your holiday fund now
You don’t need to suddenly stop eating out, cancel every weekend plan, or
swear off online shopping until December just to have money for Christmas.
Instead of waiting for one big paycheck to cover everything, you can slowly
build your holiday fund in Maya Personal Goals, where you can create up to
five separate savings goals and earn up to 8% interest p.a., making it easier
to organize your budget for gifts, travel, celebrations, or whatever else is
on your holiday list.
Your Christmas budget gets built little by little, and earns while you save,
while the rest of your money can still go toward actually enjoying the Ber
months.
2. Make the money you’ve already set aside work harder
Your holiday fund doesn’t have to sit around doing nothing until you’re ready
to spend it.
With Maya Savings, you can earn up to 15% interest p.a., credited daily,
giving the money you’ve already set aside a chance to keep growing while you
count down to the holiday break.
After all, Moneymaxxing isn’t just about spending smarter. It’s also about
making your money work harder even when you’re not using it yet.
3. Decide what you want back from all that holiday spending
Once the holiday spending starts, ask yourself another question before
reaching for a card: What do I want this purchase to give me back?
If cashback is your priority, the Landers Cashback Everywhere Credit Card lets
cardholders earn up to 5% cashback at Landers, 2% on dining, and 1% on most
other purchases.
If you’re already thinking about where you want to go in 2027, the Maya Black
Credit Card lets cardholders earn Maya Miles on their spending, including up
to 10x Maya Miles at Maya Black Preferred merchants. Maya Miles can then be
redeemed for travel and other lifestyle rewards.
4. Make your holiday spending anywhere in the Philippines count
Holiday spending happens everywhere: from the mall where you’re buying gifts
and the restaurant hosting your barkada reunion to the neighborhood shop where
you’re picking up something at the last minute.
With the Maya Card, you can earn 1% cashback on eligible purchases anywhere in
the Philippines, giving you a simple way to get something back from the
holiday spending you were already planning to do.
5. When the purchase is big, Make it Mini
Maybe your phone finally needs replacing. Maybe you’re buying an appliance for
the house before relatives arrive. Or maybe you’ve found the big-ticket
Christmas gift you’ve been planning for.
A bigger expense doesn’t automatically have to take one big bite out of your
month’s cash flow. When the purchase is big, make it mini with Maya Mini
Payments. Eligible purchases can be converted into 3, 6, 9, or 12 monthly
payments, giving you more flexibility to manage the expense alongside
everything else on your holiday list.
Before converting a purchase, look at the months ahead and choose a repayment
plan you can comfortably accommodate.
Moneymaxx beyond the holidays
The holidays may be one of the busiest spending seasons of the year, but
Moneymaxxing isn’t about having a perfectly planned Christmas or cutting out
everything you enjoy.
It’s about being more intentional with the money you already have: save
earlier, make it work harder, get more from the spending you’re already doing,
and manage bigger expenses on your terms.
To know more, visit maya.ph or mayabank.ph, and follow @makeyourmoneymaya
on Facebook, Instagram, YouTube, and TikTok to stay updated. Approval and
offer are subject to credit evaluation. Maya Philippines, Inc. and Maya
Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph.
For 24/7 assistance, visit the Help Center in the Maya app or call us from 8
AM to 7 PM daily at +632 8845-7788.
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