Start your ‘25 financial journey on right track

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The holidays may have left your wallet feeling lighter, but that doesn’t mean you have to sacrifice your style or comfort in the new year. If you’re ready to bounce back and keep your home feeling cozy without blowing your budget, Maya, the #1 digital bank app in the Philippines, has you covered.

Start by running through your post-holiday finances. Think of this like a quick declutter session for your bank account. Gather those holiday receipts, check your statements, and determine precisely where your money went last December.

Before you commit to a new monthly budget, give yourself a short financial detox to see what expenses you truly need. It could be pressing pause on non-essential buys or only covering the basics like groceries and bills. Afterwards, check your Maya app to see how much you saved and use that small success as motivation to set a new monthly spending plan.

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After mapping out your financial plan, keep your day-to-day spending in check with the Maya card. This debit card allows you to spend only what’s in your Maya Wallet, giving you a real-time grip on every peso. It is perfect for everyday buys like groceries or a quick coffee run, minus the risk of overshooting your budget.

Once you’ve taken stock of expenses, it’s time to let your money do the heavy lifting. Maya’s high-yield savings, offering up to 15 percent p a., is like giving your cash a refreshing spa day. Whether you deposit a big chunk all at once or chip in smaller amounts throughout the month, watching your balance grow feels like a little win every single day.

Start fresh financial goals for the new year with Maya Personal Goals, where you can set up to five unique targets, each earning up to 6 percent p.a. until January 31. Need more structure? Try Time Deposit Plus, lock in your savings for 3, 6, or 12 months with rates as high as 5.75 percent per annum.

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