The Ber months are here, bringing festive gatherings, holiday shopping, travel plans, and plenty of expenses. With your calendar filling up, your budget can quickly feel the pressure too. Planning ahead can help you spread out your spending and enjoy the season without letting your finances get overwhelmed.
The key is to moneymaxx your way through the Ber months. Start preparing early, make every peso count, and look for ways to get more value from the purchases and expenses you already have planned. From setting a holiday budget to maximizing available deals, rewards, and perks, smart spending can make a big difference.
Instead of waiting for the holiday rush, use the Ber months to get financially ready. A little strategy now can help you stay on top of your expenses, make the most of your money, and head into the holidays feeling more prepared and in control.
Here’s your guide to getting your money holiday-ready with Maya.
- 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.
- 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.
- 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.
- 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.
- 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.
