The Ber months have officially arrived, bringing with them busier calendars, more celebrations, and, inevitably, more expenses. With so many things competing for your budget, planning ahead can help you enjoy the holiday season without feeling overwhelmed by expenses piling up all at once.
The key? Moneymaxx your way through the Ber months by preparing early, making your money work harder, and getting more value from the purchases you already plan to make.
Here’s your guide to getting your finances holiday-ready with Maya.
1. Start building your holiday fund now
You don’t have to stop eating out, cancel every weekend plan, or give up online shopping until December just to save enough for Christmas.
Rather than relying on a single big paycheck to cover all your holiday expenses, you can gradually build your holiday fund with Maya Personal Goals. You can create up to five separate savings goals and earn up to 8% interest per annum (p.a.), making it easier to organize your budget for gifts, travel, celebrations, and other holiday essentials.
This way, your Christmas fund grows little by little while earning interest, leaving room in your budget for the activities and experiences that make the Ber months special.
2. Make the money you’ve already set aside work harder
Your holiday savings don’t have to sit idle while you wait for the right time to spend them.
With Maya Savings, you can earn up to 15% interest p.a., credited daily, giving your money an opportunity to grow while you count down to the holiday break.
After all, Moneymaxxing isn’t just about spending wisely. It’s also about putting your money to work, even when you don’t need to use it just yet.
3. Decide what you want back from all that holiday spending
As holiday shopping picks up, take a moment to ask yourself before reaching for your card: What do you want to get back from your purchases?
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.
Already planning your travels for 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. These miles can be redeemed for travel and other lifestyle rewards, helping turn everyday purchases into perks for future adventures.
4. Make your holiday spending anywhere in the Philippines count
Holiday shopping happens everywhere—from malls where you hunt for gifts and restaurants hosting your barkada reunions to neighborhood stores where you make those last-minute purchases.
With the Maya Card, you can earn 1% cashback on eligible purchases anywhere in the Philippines. It’s a straightforward way to get something back from the holiday expenses you were already planning to make.
5. When the purchase is big, Make it Mini
Maybe it’s finally time to replace your phone. Perhaps you need a new appliance before relatives arrive for the holidays, or you’ve found that special big-ticket Christmas gift you’ve been planning to buy.
A major purchase doesn’t necessarily have to take a huge bite out of your monthly cash flow all at once. 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 larger expenses alongside the rest of your holiday budget.
Before converting a purchase, review your upcoming expenses and choose a repayment schedule that comfortably fits your budget.
Moneymaxx beyond the holidays
The holidays may be among the busiest spending seasons of the year, but Moneymaxxing isn’t about planning the perfect Christmas or giving up everything you enjoy.
It’s about making more intentional decisions with the money you already have: saving early, helping your money grow, getting more value from everyday spending, and managing bigger purchases in a way that works for you.
To learn more, visit maya.ph or mayabank.ph. You can also follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for the latest updates.
Approval and offers are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (BSP). Visit www.bsp.gov.ph for more information. For 24/7 assistance, visit the Help Center in the Maya app or call +632 8845-7788 between 8 a.m. and 7 p.m. daily.
