The Ber months bring parties, gift shopping, and extra expenses. Planning ahead can help you enjoy the holidays without straining your budget. Moneymaxxing is about saving early, making your money work harder, and getting more value from your spending.

Start Your Holiday Fund Early. You don’t have to give up every treat to save for Christmas. Set aside small amounts regularly with Maya Personal Goals. You can create up to five savings goals and earn up to 8% interest p.a. Use them to save for gifts, travel, and holiday celebrations.

Make Your Savings Work Harder. Your holiday fund can earn interest while you wait to use it. With Maya Savings, you can earn up to 15% interest p.a., credited daily. Check the applicable terms and conditions, and keep enough money available for upcoming expenses.

Choose Rewards That Fit Your Spending. Pick a card based on how you spend. The Landers Cashback Everywhere Credit Card offers up to 5% cashback at Landers, 2% on dining, and 1% on most other purchases. The Maya Black Credit Card lets you earn Maya Miles, including up to 10x at Maya Black Preferred merchants. You can redeem miles for travel and other lifestyle rewards.

Earn Cashback on Everyday Purchases. From mall trips to last-minute shopping, holiday expenses can add up. The Maya Card offers 1% cashback on eligible purchases anywhere in the Philippines. Check the terms to see which transactions qualify.

Break Down Bigger Expenses. Need a new phone or appliance? Maya Mini Payments lets you convert eligible purchases into 3, 6, 9, or 12 monthly payments. Review the repayment terms first. Choose a plan that fits your budget and other financial commitments.

Moneymaxx Beyond the Holidays

You don’t have to give up everything you enjoy to manage your money well. Save early, spend with purpose, and plan for bigger expenses. These simple habits can help you enjoy the holidays and start the new year on firmer financial footing. Visit maya.ph or mayabank.ph, and follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for updates.

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