We’ve all been there—vowing that this year will finally be the year we save, spend smarter, and stop falling for every “budol” temptation. Yet somehow, our grand plans often become another “next time” story.
The truth? Most of us fall into performative money habits. We mean well, but our actions don’t always match our intentions. If you’re serious about taking control of your finances before the year wraps up, it’s time to swap old patterns for smarter habits that actually grow your money. Thankfully, Maya—the #1 Fintech Ecosystem and #1 Digital Bank in the Philippines—makes it easier and more rewarding to do just that.
Here’s how to break free from common money traps:
1. Save with Purpose (and Peace of Mind)
If you’re saving whatever’s left after bills, brunches, and random splurges, chances are there’s not much left. Make saving your first move, not an afterthought.
With Maya Personal Goals, you can:
- Set specific savings targets—whether it’s a dream trip, a gadget, or an emergency fund.
- Earn up to 8% interest per year while your money grows.
- Create up to five Personal Goals, fund them from your Maya Wallet, Maya Savings, or other bank accounts, and watch your money work for you.
Every ₱20,000 you add unlocks a higher rate, up to 8% per year for deposits of up to ₱100,000. No lock-ups. No penalties. Just flexible growth.
2. Make Every Spend Work Harder
If you’re spending anyway, why not make it count? With Maya, every swipe boosts your savings and unlocks rewards.
- Maya Credit Card: Up to 20% cashback on dining until December 31, 2025.
- Maya Landers Credit Card: 5% cashback every time you shop at Landers.
- Maya Black Credit Card: Earn Maya Miles for every purchase—turning everyday spending into adventures.
3. Build Credit Wisely
Credit isn’t bad—it’s a tool. Used right, it can help you grow.
Start with Maya Black Express, a beginner-friendly credit card. Deposit ₱12,500 to set your spending limit (while the deposit still earns 3.5% interest per year) and start building your credit score. Within six months, you could qualify for the full Maya Black Credit Card and all its lifestyle perks.
4. Scale Your Savings with Time Deposit Plus
Don’t wait for a pay raise to grow your money. Maya’s Time Deposit Plus helps you save smarter:
- Lock funds for 3, 6, or 12 months.
- Earn up to 6% p.a. on deposits up to ₱1 million per account.
- Open up to five accounts for total deposits of ₱5 million.
- Keep adding funds anytime, even after reaching your target.
It’s the structure of a time deposit with the flexibility of modern saving.
We all make money mistakes—but it’s how we move past them that counts. Breaking free from performative habits starts with one small, intentional change. With Maya, that change is simple, rewarding, and smart.
Visit maya.ph or mayabank.ph and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok for tips, tools, and rewards that make managing your money easier than ever.
Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to ₱1 million per depositor.
