We’ve all had that moment, promising ourselves that this will be the year we finally save more, spend wisely, and stop giving in to every “budol” temptation. But somehow, our grand plans end up pushed to “next time” yet again.
The truth is, most of us fall into money routines that look responsible on the surface but don’t really get us anywhere. Our intentions are solid, but our habits don’t always follow through. If you’re committed to leveling up your finances before the year wraps up, it’s time to let go of unhelpful patterns and build habits that actually help your money grow. And with Maya, the Philippines’ #1 Fintech Ecosystem and #1 Digital Bank, making that shift becomes simpler, smarter, and a whole lot more rewarding.
Here’s how to break free from the usual money traps:
- Start saving with purpose (and peace of mind)
Let’s be honest, if you’re saving whatever’s left after bills and brunches, there usually isn’t much left to save. It’s time to make this your first move: start treating saving like your first bill of the month and not as an afterthought With Maya Personal Goals, you can set up specific savings targets — whether it’s for a trip, a new gadget, or an emergency fund — and earn up to 8% interest per year as you go.
Here’s how it works:
- Create up to five Personal Goals inside the Maya app.
- Name each goal, set your due date and target amount.
- Fund it from your Maya Wallet, Maya Savings, or even another bank.
Once you’ve set your goals, all that’s left to do is watch your money grow. Each one earns 4% interest per year right away, and every ₱20,000 you add unlocks a higher rate—up to 8% per year for deposits up to ₱100,000. There are no lock-up periods or penalties, so you stay flexible while still growing your money.
- Make every spend work harder for you
If you’re spending anyway, you might as well make it count. With Maya, every swipe does more for you boosting your Maya Savings interest up to 15% p.a. and unlocking even more rewards through Maya Credit Cards.
Got weekend plans? Use your Maya Credit Card and earn up to 20% cashback when you dine anywhere until December 31, 2025. Love grocery runs or bulk shopping? The Maya Landers Credit Card gives you 5% cashback at Landers every time you stock up.
And if you want to take it up a notch, the Maya Black Credit Card lets you earn Maya Miles for every purchase so your daily spending can literally take you places.
- Take control of credit and use it to build your future
A lot of us were raised to think credit is bad. But when done right, credit is actually a powerful tool for growth.
If you’ve never had a credit card before, Maya Black Express is a great way to start. It gives you access to credit perks of Maya Black but with less pressure. You just make a one-time Express Deposit (starting at ₱12,500) that sets your spending limit and that deposit stays in your Maya Savings, earning 3.5% interest per year while you use your card.
Every purchase helps you build your credit score, bringing you closer to qualifying for the full Maya Black Credit Card and all its lifestyle-level perks in as fast as six months.
- Start where you are and scale with Time Deposit Plus
You don’t need to wait for a pay raise to start managing your money better. But once you’re ready to take your savings to the next level, Maya Time Deposit Plus can help you grow more consistently.
You can lock in your money for 3, 6, or 12 months with rates as high as 6% p.a. on deposits of up to ₱1 million per Time Deposit Plus account, and with up to five accounts, that’s as much as ₱5 million in total interest-earning deposits.
The best part? You can keep adding funds anytime, even after reaching your target amount. It’s perfect for anyone who wants the structure of a time deposit, but the flexibility of modern saving.
We’ve all made money mistakes — what matters is learning how to move past them. Breaking from performative habits starts with one small, intentional change, and Maya makes that change rewarding, simple, and smart. Visit maya.ph or mayabank.ph for updates.
