{"id":72916,"date":"2026-01-23T07:48:33","date_gmt":"2026-01-22T23:48:33","guid":{"rendered":"http:\/\/www.upgrademag.com\/web\/?p=72916"},"modified":"2026-01-19T12:50:20","modified_gmt":"2026-01-19T04:50:20","slug":"maya-offers-tips-to-avoid-money-traps","status":"publish","type":"post","link":"http:\/\/www.upgrademag.com\/web\/2026\/01\/23\/maya-offers-tips-to-avoid-money-traps\/","title":{"rendered":"Maya offers tips to avoid money traps"},"content":{"rendered":"

We\u2019ve all been there: swearing that\u00a0this\u00a0is the year we\u2019ll finally save, spend smarter, and stop the endless cycle of \u201cbudol\u201d buys. But somehow, the plan to get our finances together turns into another \u201cnext time\u201d situation.<\/strong><\/p>\n

Truth is, most of us fall into\u00a0performative money habits. We mean well, but our actions don\u2019t always match our intentions. If you\u2019re serious about leveling up your finances before the year ends, it\u2019s time to trade old patterns for smarter habits that actually grow your money. Thankfully,\u00a0Maya, the #1 Fintech Ecosystem and #1 Digital Bank in the Philippines, makes it easier (and more rewarding) to do just that.<\/p>\n

Here\u2019s how to break free from the usual money traps:<\/p>\n

    \n
  1. Start saving with purpose (and peace of mind)<\/strong><\/li>\n<\/ol>\n

    Let\u2019s be honest, if you\u2019re saving whatever\u2019s left after bills and brunches, there usually isn\u2019t much left to save. It\u2019s time to make this your first move: start treating saving like your first bill of the month and not as an afterthought.\u00a0 With Maya Personal Goals, you can set up specific savings targets \u2014 whether it\u2019s for a trip, a new gadget, or an emergency fund \u2014 and earn up to 8% interest per year as you go.Here\u2019s how it works:<\/p>\n

      \n
    • Create up to five Personal Goals inside the Maya app.<\/li>\n
    • Name each goal, set your due date and target amount.<\/li>\n
    • Fund it from your Maya Wallet, Maya Savings, or even another bank.<\/li>\n<\/ul>\n

      Once you\u2019ve set your goals, all that\u2019s left to do is watch your money grow. Each one earns\u00a04% interest per year\u00a0right away, and every\u00a0\u20b120,000\u00a0you add unlocks a higher rate\u2014up to\u00a08% per year\u00a0for deposits up to\u00a0\u20b1100,000. There are no lock-up periods or penalties, so you stay flexible while still growing your money.<\/p>\n

        \n
      1. Make every spend work harder for you<\/strong><\/li>\n<\/ol>\n

        If you\u2019re spending anyway, you might as well make it count. With Maya, every swipe does more for you boosting your Maya Savings interest up to 15% p.a. and unlocking even more rewards through Maya Credit Cards.<\/p>\n

        Got weekend plans? Use your Maya Credit Card and\u00a0earn up to 20% cashback when you dine anywhere until\u00a0December 31, 2025. Love grocery runs or bulk shopping? The\u00a0Maya Landers Credit Card\u00a0gives you\u00a05% cashback at Landers\u00a0every time you stock up.<\/p>\n

        And if you want to take it up a notch, the\u00a0Maya Black Credit Card\u00a0lets you earn\u00a0Maya Miles\u00a0for every purchase so your daily spending can literally take you places.<\/p>\n

          \n
        1. Take control of credit and use it to build your future<\/strong><\/li>\n<\/ol>\n

          A lot of us were raised to think credit is bad. But when done right, credit is actually a powerful tool for growth.<\/p>\n

          If you\u2019ve never had a credit card before, Maya Black Express\u00a0is a great way to start. It gives you access to credit perks of Maya Black but with less pressure. You just make a one-time\u00a0Express Deposit\u00a0(starting at \u20b112,500) that sets your spending limit and that deposit stays in your\u00a0Maya Savings, earning\u00a03.5% interest per year\u00a0while you use your card.<\/p>\n

          Every purchase helps you build your credit score, bringing you closer to qualifying for the full\u00a0Maya Black Credit Card and all its lifestyle-level perks in as fast as six months.<\/p>\n

            \n
          1. Start where you are and scale with Time Deposit Plus<\/strong><\/li>\n<\/ol>\n

            You don\u2019t need to wait for a pay raise to start managing your money better. But once you\u2019re ready to take your savings to the next level,\u00a0Maya Time Deposit Plus\u00a0can help you grow more consistently.<\/p>\n

            You can\u00a0lock in your money for 3, 6, or 12 months\u00a0with\u00a0rates as high as 6% p.a.\u00a0on deposits of up to\u00a0\u20b11 million per Time Deposit Plus account, and with up to five accounts, that\u2019s as much as\u00a0\u20b15 million\u00a0in total interest-earning deposits.<\/p>\n

            The best part?\u00a0You can keep adding funds anytime, even after reaching your target amount. It\u2019s perfect for anyone who wants the structure of a time deposit, but the flexibility of modern saving.<\/p>\n

            We\u2019ve all made money mistakes \u2014 what matters is learning how to move past them. Breaking from performative habits starts with one small, intentional change, and\u00a0Maya\u00a0makes that change rewarding, simple, and smart.<\/p>\n","protected":false},"excerpt":{"rendered":"

            Let\u2019s be honest, if you\u2019re saving whatever\u2019s left after bills and brunches, there usually isn\u2019t much left to save. It\u2019s time to make this your first move: start treating saving like your first bill of the month and not as an afterthought<\/p>\n","protected":false},"author":6,"featured_media":72917,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[413,2172,3704,7376],"class_list":["post-72916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-headlines","tag-banking","tag-finance","tag-financing","tag-maya"],"_links":{"self":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/comments?post=72916"}],"version-history":[{"count":1,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72916\/revisions"}],"predecessor-version":[{"id":72918,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72916\/revisions\/72918"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media\/72917"}],"wp:attachment":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media?parent=72916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/categories?post=72916"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/tags?post=72916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}