The holidays may make your wallet feel lighter than you’d like, but that doesn’t mean you have to sacrifice your style or comfort in the new year. If you’re ready to regain your strength and keep your home (and life) cozy without blowing your budget, Mayathe number 1 digital banking app in the Philippines, has you covered!
With these simple, practical tips, plus Maya’s high-yield savings and flexible lending options, you’ll be on track to start 2025 feeling financially secure and confident.
1. Review your finances after the holidays
Think of this as a quick clean-up session for your bank account. Collect those holiday coupons, check your statements, and determine exactly where your money went last December. Have impulse gifts or last-minute party expenses taken a bigger bite out of your budget than expected? Maya makes it easy to track spending in real time, so you know exactly where you stand and can set more realistic goals for the future.
2. Try a one-week spending freeze
Before you commit to a new monthly budget, give yourself a quick “financial detox” to see what expenses you really need. This may involve pausing non-essential purchases, or just taking care of the basics like groceries and bills. Then check your Maya app to see how much you saved and use that mini success as motivation to create a new monthly spending plan.
3. Stay in control with a prepaid budget
Once you’ve mapped out your financial plan, keep your daily expenses under control with the Mayan map. This debit card allows you to spend only what is in your Maya Wallet, giving you real-time control over every peso. It’s perfect for everyday needs, like groceries or a quick cup of coffee, without the risk of going over your budget. You can also see your balance directly in the Maya app, so you know exactly where your money is going and can avoid impulsive splurges.
4. Give your money a “Spa Day” with high-yield savings
Once you’ve taken stock, it’s time to let your money do the heavy lifting. Maya’s high-yield savingsoffering up to 15% per annum (annual) is like giving your money a refreshing day at the spa. Whether you deposit a large portion at once or deposit smaller amounts throughout the month, watching your balance grow will feel like a small win every day.
Do you want to go one step further? Start new financial goals for the new year with Maya Personal Goals, where you can set up to five unique goals, each earning up to 6% per year until January 31. Need more structure? Attempt Term Deposit Plus — lock in your savings for 3, 6 or 12 months with rates up to 5.75% per year. It’s the ultimate passive way to recover from your holiday expenses while working on something even better.
5. Rely on Maya Easy Credit for emergencies
Sometimes life just can’t wait for your monthly budget to catch up, like when you need a gadget upgrade or home improvements to make as you ring in the new year. Instead of draining your revived savings, Maya Easy Credit acts as your financial security so you can keep your wallet’s detoxing momentum strong.
With a little planning and a few smart swaps, you can make January a fresh start for your finances. Visit for more information maya.ph or mayabank.ph. And don’t forget to follow @mayaiseverything on Facebook, Instagram, YouTube and TikTok, plus @mayaofficialph on Twitter for more tips, tricks and updates on how to stay budget-conscious all year round.
Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to P500,000 per depositor.
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