At this point, checking prices before making any purchase is essential. One minute you’re grabbing your usual coffee; the next, you’re calculating: “Wait—has this always been this expensive?” With gas, groceries, and nearly everything else costing more, it’s impossible to ignore how much budgets have changed.
Now more than ever, intentional money management matters—even small adjustments can add up significantly over time.
Know Your "Default Gastos"
Everyone has baseline expenses: regular transport, food, and subscriptions. The challenge is that these costs often creep upward without notice. By reviewing your weekly spending closely, you can identify exactly where your money goes and where small changes can make a meaningful difference.
The goal isn’t just to cut back—it’s to spend smarter. Tools that offer rewards like cashback or fuel discounts help offset rising costs without forcing major sacrifices.
- For fuel expenses, the Maya Debit Card gives 5% cashback with a minimum spend of ₱500, capped at ₱300—a practical way to ease gas price hikes.
- The Landers Cashback Everywhere Credit Card earns 1% cashback at Landers Caltex branches, plus up to 5% at Landers Superstore, 2% on dining, and 1% on other transactions.
- With the Maya Black Credit Card, accumulated Maya Miles can be redeemed for up to ₱1,500 in Pricelocq fuel vouchers via the app’s Rewards catalogue, turning routine spending into valuable savings.
Don’t Let Idle Money Lose Value
Rising prices erode the purchasing power of money left untouched. That’s why many are moving their savings to accounts that earn returns automatically—so their money works even when they’re not actively adding to it. As the Philippines’ #1 Digital Bank and leading all-in-one fintech platform, Maya offers up to 15% interest per annum on savings when you use Maya for everyday purchases.
Build a Small "Just-in-Case" Fund
Unexpected expenses hit harder when prices are high. A slightly larger grocery bill or sudden fuel price increase can disrupt your budget, so setting aside a small buffer provides crucial breathing room.
For short-term cash flow needs, Maya Easy Credit² offers a revolving credit line of up to ₱50,000, payable in up to 30 days. It helps bridge gaps without dipping into savings, with clear repayment terms.
Use Extra Funds Strategically
Even small amounts of extra money should have a clear purpose, rather than being absorbed into daily spending or left idle. Options include:
- Maya Personal Goals: Create up to five targeted savings accounts for emergencies, travel, or future plans. Each earns 4% interest per annum, with rates increasing up to 8% p.a. as your balance grows.
- Time Deposit Plus: Lock in funds for 3, 6, or 12 months to earn up to 6% p.a., helping you stay disciplined while growing your savings steadily.
Most of the time, it’s small tweaks—like staying aware of spending, letting savings earn returns, and making smarter choices with everyday expenses—that make rising prices feel more manageable.
When everything seems to cost more, being a smart saver isn’t about doing less—it’s about being more mindful of your finances. With the right tools working behind the scenes, staying on track becomes far easier without overhauling your life.
To learn more, visit maya.ph/MayaFuelCashback2026, maya.ph, or mayabank.ph. Follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok for updates.
Approval and offers are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to ₱1 million per depositor. For 24/7 assistance, access the Help Center in the Maya app or call +632 8845-7788 daily from 8 AM to 7 PM.
* Promo runs until April 30, 2026. For full details, visit maya.ph/MayaFuelCashback2026. Approval and offer are subject to credit evaluation.
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