How to Budget your Sweldo like a Pro |

As a millennial, you’ve probably muttered, “Adulting is hard” too many times. Aside from hustling and working to earn your keep, budgeting your salary is another obstacle you need to face every payday.

So from a millennial’s wallet to yours, here are a few tips and tricks on how to master living within your means.

#1 Determine where your income is going

Lady in bed writing on a paper with mobile phone and a bread on a plate aside

Even before your payday comes, it’s a good practice to know where your money would go. List down your expenses into categories such as savings, bills, food, transportation, and other miscellaneous spendings. This will help you get an overview of what your priorities should be so you can reallocate the percentage of your income into the proper categories.

#2 Make sure to save

Philippines paper bills

 The golden rule in handling your finances that is often forgotten is that you should set aside money for your savings before spending and not the other way around. You end up keeping whatever’s left with your salary after all your expenses. In short, more often than not, you forget that you haven’t saved yet and end up promising yourself that you’ll just do it next payday… again.

#3 Take advantage of promos and discounts

Lady in black suit happy staring at phone sitting on a chair

Take Maya deals for example. When you go to the grocery or other partner merchants and scan to pay with Maya QR, you get up to 100% cashback of what you just spent. It’s like paying with exact amount but you still get change from it.

If you do this often, you’ll get extra money from all the cashbacks which you can spend on other things. Amazing, right?

#4 Practice self control

Lady in white polo t-shirt dropping a coin to pink piggy bank

It’s the most cliche advice but oh-so-true. Keep in mind in order to avoid being broke every single payday, you need to be financially responsible. If you don’t control yourself with spending and refuse to stick to your budget, you’ll never find your financial freedom. Remember that yes, your salary is yours to enjoy, but emergencies happen and you also need money for that.

Stick to these simple tips and tricks and you’ll surely say goodbye to “Petsa de Peligro” in no time. Here’s an additional insider tip, pay your bills conveniently through Maya on the next payday and get up to P500 cashback!

To qualify for a cashback, you have to bills worth at least P1,000 during the promo period, April 13 to 15, and 28 to 30, 2019. Make sure to pay your bills in full and on time! 

Don’t waste the chance, add money to your Maya account, and be ready to pay your bills on the next payday!

Visit for the latest promos and tips on how to make the most of your Maya.


No Maya yet? Download the free app here:



You might also like

These Stories on Features

It’s everything and a bank. What more could you need?

For existing PayMaya users, update your app to Maya

Maya App Light Mode Maya App Dark Mode