These days, you don’t need to walk into a bank to take control of your finances. Whether it’s through credit cards, e-wallets, digital bank accounts, or all-in-one financial apps, modern tools make it possible to manage money entirely from your phone. With so many options at your fingertips, it’s never been easier to build good habits, earn rewards, or plan for big goals—if you’re using the right tools the right way.
Of course, knowing where to start can feel a little overwhelming. Not every feature is self-explanatory, and not every financial product works for every consumer. But that’s no reason to miss out on the advantages available to you. When you work with a trusted partner like Maya, you get more than access to a growing suite of financial services—you also get the support to maximize your tools and take charge of your money with confidence.
With that in mind, here are a few telltale signs that you might not be making the most of the financial tools available to you.
You’re Not Earning Rewards on Regular Expenses
When you’re already spending regularly on essentials like groceries or dining out, there's no reason not to earn something back. Credit card rewards programs employ cashback or points-based systems that turn everyday purchases into long-term value. In spite of this, a surprising number of users never take full advantage of them, often because they’re unfamiliar with their card’s rewards structure or simply find the terms and redemption processes too complicated to bother with.
It’s a great thing, therefore, that the Landers Cashback Everywhere Credit Card, a premium credit card from Maya, makes it easy to earn rewards from almost every purchase you make. You can get up to 5% cashback at Landers Superstore, plus 2% cashback from dining out and 1% from other eligible purchases.* When used strategically, a cashback credit card like this can help reduce costs over time and stretch your budget further—all without requiring you to change your spending habits.
Your Credit Card Doesn’t Align with Your Lifestyle
Not all cards are created with your day-to-day life in mind. If your current credit card isn’t offering rewards or benefits that match your actual spending habits, it might be costing you more than you think—not in fees, but in missed opportunities.
That’s why you always want to make sure that the rewards you can get from your card target areas where you tend to spend more, or more often. Shop regularly at Landers? Then the Maya credit card isn’t just convenient—it’s tailored to your routine. It acts as both a credit card and a Landers membership card, giving you access to exclusive in-store promos and a more seamless checkout experience. Choose a card that works with your habits—not against them—and you’ll be surprised at how much you can end up saving.
You Rarely Use Digital Wallets or Financial Apps
Juggling multiple accounts, payment platforms, and physical cards can make managing money feel scattered. Digital wallets and financial apps are designed to centralize everything, so that all you need is just a few taps to get a clear picture of your finances and keep them under control.
Apps that combine payments, account overviews, savings goals, and rewards tracking undeniably make things more convenient. More importantly, they empower you to make faster, more informed financial decisions. Neglecting to tap into these tools regularly might mean you miss out on key features like real-time notifications, instant fund transfers, or integrated budgeting—all of which can help you stay one step ahead.
You Don’t Set or Track Specific Financial Goals
It’s hard to stay motivated with money without a clear sense of what you’re working toward. Whether it’s a short-term purchase or a long-term milestone like a vacation or emergency fund, goal saving helps bring structure to your financial life. Plenty of apps today offer built-in features that let you set and monitor custom goals. They might let you name individual savings targets or automate contributions so you don’t have to transfer funds yourself. These functions can make a real difference in how consistent and intentional you are with your money.
You’re Still Budgeting Manually
A pen-and-paper budget may work in theory, but it often falls apart in practice—especially when you’re busy juggling day-to-day responsibilities. Manual tracking makes it easy to overlook small expenses, forget due dates, or abandon the process altogether when it becomes too tedious. Using digital budgeting tools can simplify things dramatically. Many apps today can sync with your bank accounts, categorize expenses automatically, or send alerts when you’re close to overspending. You’ll not only save time but also stay on track without the mental load of constant monitoring.
You Leave Your Money in a Traditional Savings Account
Letting your money sit in a standard savings account might feel safe, but it also often means missing out on better growth. Traditional accounts often offer little to no interest, which means your savings could lose value over time due to inflation. Digital banks, on the other hand, now provide higher-yield savings options that let your money grow passively while remaining accessible. If you haven’t explored these alternatives yet, it might be time to look for a smarter way to make your savings work for you.
Sometimes, the most valuable financial advantages come from tools you’re already using—but not fully. Take a moment to reassess how you're managing your money, and if you haven't explored the Maya Landers Cashback Everywhere Credit Card yet, now might be the perfect time to start.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
