The Ber months are officially here, check out this Maya Moneymaxxing Guide to get through your holiday expenses.
1. Start building your holiday fund now
You can build your holiday fund gradually using Maya Personal Goals, allowing you to create up to five savings goals and earn up to 8% interest per annum. This approach enables you to budget for gifts, travel, and celebrations without the need to stop enjoying your regular spending or wait for a large paycheck. Your Christmas budget grows over time as you save, while still enjoying the months leading up to the holidays.
2. Make the money you’ve already set aside work harder
Your holiday fund can be actively utilized instead of remaining idle until the time to spend approaches. By using Maya Savings, you can earn up to 15% annual interest, credited daily, allowing your saved money to grow while you await your holiday. This approach emphasizes that the Maya Moneymaxxing Guide involves not only smarter spending but also making your funds work harder even when they are not in use.
3. Decide what you want back from all that holiday spending
When considering holiday purchases, evaluate what you expect in return. The Landers Cashback Everywhere Credit Card offers up to 5% cashback at Landers, 2% on dining, and 1% on other purchases.
If you’re planning for 2027, the Maya Black Credit Card allows cardholders to earn Maya Miles on spending, with up to 10x Maya Miles at preferred merchants, redeemable for travel and lifestyle rewards.
4. Make your holiday spending anywhere in the Philippines count
Holiday spending occurs in various locations, from malls and restaurants to neighborhood shops. With the Maya Card, users can earn 1% cashback on eligible purchases across the Philippines, providing an easy method to gain rewards from their planned holiday expenditures.
5. When the purchase is big, Make it Mini
Maybe it’s time to replace your phone, purchase an appliance for guests, or buy a significant Christmas gift you’ve been considering.
A bigger expense can be manageable with Maya Mini Payments, allowing eligible purchases to be split into 3, 6, 9, or 12 monthly payments. This offers flexibility for budgeting alongside other holiday expenses. Before proceeding, consider future months to select a comfortable repayment plan.
Moneymaxx beyond the holidays
The holidays are a major spending season, but Moneymaxxing focuses on being intentional with your existing money. It encourages saving earlier, optimizing your spending, and managing larger expenses on your own terms.
If you haven’t yet, you can download the Maya app on the links below.