Living on your own for the first time is super exciting. No curfew, no parents checking in, and total freedom to do what you want. But that freedom also comes with one big responsibility: handling your own finances. Because now you’re in charge of rent, bills, groceries, and making sure you don’t run out of funds before your next payday.
Sounds familiar? Whether you’re living solo, sharing a space with friends, or renting a studio near work or school, the way you spend today can shape your future. That’s why it’s important to build good habits early. Because we want every Filipino to level up their money game, here are seven smart spending tips to help you live independently without leaving you feeling broke all the time. And hey, you might even discover how to maximize the rewards of a credit card promo or two that fit your lifestyle.
1. Start Budgeting
Budgeting doesn’t have to be complicated. Start by writing down your monthly income and subtracting your fixed expenses, like rent, bills, transportation, and loan payments, if you have any. Whatever’s left is what you should use for food, savings, and extras.
You don’t need a fancy app to do this either. Even your phone’s Notes app or a basic Excel sheet can help you keep track. And you need to keep track because little things like milk tea or delivery fees add up fast. That PHP 150 drink three times a week? That’s already PHP 1,800 a month—enough for groceries! When you have a budget, you’ll be able to control and adjust your spending because you have a clear picture of your finances.
2. Use Credit Cards Wisely
A credit card isn’t free money. But when used responsibly, it can be your secret weapon for better spending. One great example? The Maya card promo gives you up to 5% cashback at Landers, 2% on dining spends, and 1% on all other qualified transactions.* You can enjoy a generous annual cashback cap of PHP 200,000, making this one of the most competitive cashback credit cards available.
So yes, a credit card can help stretch your money further and even get some back at the end of a year, as long as you pay your balance on time and avoid unnecessary interest.
3. Cook More, Order and Eat Out Less
Let’s be real, food delivery or eating out is convenient, but it gets expensive fast. A PHP 300 meal three times a week becomes over PHP 3,000 a month. That’s already a huge chunk of your budget. A better alternative is to learn a few easy recipes, shop smart, and cook in batches. Simple dishes like adobo, pasta, or fried rice don’t require chef-level skills and can last a few days in the fridge. You’ll not only save money by meal prepping, but you’ll also eat healthier and waste less.
4. Buy in Bulk, But Be Smart About It
Buying in bulk is a money-saver if you’re buying stuff you’ll actually use. Don’t buy five jars of peanut butter just because they’re on sale if you barely eat it. Better to stick to essentials like rice, canned goods, toiletries, and cleaning supplies. These products have long shelf lives and are usually cheaper when bought in larger packs.
Also, keep an eye out for promos or member-exclusive discounts at superstores like Landers. If you’re a Landers member, the Landers Cashback Everywhere Credit Card is perfect for big hauls. You’ll start with a base cashback rate of 3% if your total credit card spending is below PHP 20,000. This rate increases to 4% when you spend a minimum of PHP 20,000, wherever you use your card, and then it increases further to 5% when you accumulate a total qualified credit card spending of at least PHP 50,000 during the month. Each point you collect is equivalent to PHP 1, and the points you accumulate can be used as a discount on your next purchase at Landers. Those savings really add up, especially if you’re buying household supplies for the month.
5. Stick to a Plan, Especially When Shopping
Impulse buying is the enemy of your budget. Whether you’re shopping online or doing your weekly grocery run, make a list and stick to it. Having a plan reduces your chances of spending on random items you don’t really need. Before you hit checkout, ask yourself: “Is this on my To-Buy list?”
6. Know the Difference Between Wants and Needs
Here’s a quick reality check: you need food, rent, utilities, and basic transport. You want a new pair of sneakers or that extra streaming subscription. Yes, you need to treat yourself now and then. You’re working hard, after all. But prioritizing needs over wants keeps you out of debt and helps you build savings. If you're tempted to buy something, try this instead: wait 24 hours. If you still want it after that, go ahead. If not, you’ve saved money just by waiting one day.
7. Choose Quality Over Quantity
It’s tempting to always go for the cheapest item. But a PHP 150 pair of shoes that lasts one month is more expensive in the long run than a PHP 900 pair that lasts for two years or more. The same goes for gadgets, clothes, and even groceries. Buying better quality (not necessarily more expensive) items helps you avoid replacements, saves you time, and reduces waste. So, before buying anything, ask: “Will this last?” and “Will I actually use it regularly?” Being intentional with your purchases makes a huge difference to your spending habits.
Spend Smart, Live Well
Living independently doesn’t mean living beyond your means. It just means making better choices and building good habits early. It’s okay to make mistakes; what matters is learning from them and staying consistent.
Also, your financial journey doesn’t have to be stressful. With the right tools—like a solid budget, smart shopping habits, and a card that rewards your spending—you can enjoy life and still stay on track.
Ready to level up your spending game? Discover how a Maya credit card can help you shop smarter, earn cashback, and enjoy exclusive perks that fit your lifestyle. Learn more here.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
