Time flies…it’s already 2025! The year I knew my favorite Kpop group BTS would finally be discharged from the military. I’ve been saving up for their big comeback, planning everything from my small trips down to my multiple entry visa. But what I didn’t expect? All the solo projects keeping us entertained while we wait for OT7… and ASTRO announcing another concert?! My first-ever favorite Kpop group coming back on stage?? Let’s just say my fangirl heart (and wallet) was not ready.
Here’s how I (a functioning adult who also happens to fangirl aggressively) manage to save responsibly and still say yes to those “I need to be there” moments.
1. Set a target — and make it real
It starts with a number. Is it PHP25,000 for a quick out-of-town getaway? PHP100,000 for a Korea trip with concert tickets? Write it down. Break it into monthly goals. I like using budgeting apps (or even just Notes on my phone) to track how close I am to my “see-you-soon-Seoul” fund.
2. Save first, spend after (yes, even for matcha)
The trick is to treat savings like a non-negotiable. As soon as sweldo comes in, I transfer my set amount to a separate account or wallet. Bonus: I avoid spontaneous purchases that chip away at the dream trip.
3. Anticipate the unexpected
Because the universe is wild, and just when you think you’re on track…
BOOM. Seat sale. Limited-edition merch. Concert tickets go live. Airbnbs getting booked fast. Or worse—your concert date falls right before payday.
4. This is where Maya Easy Credit comes in
Even if you’ve saved up like a champ, timing is everything. I’ve had moments where the promo I’ve been eyeing would expire days before I get paid. That’s when I turned to Maya Easy Credit—and it saved me from missing out.
With Maya Easy Credit, I got instant access to a revolving credit line of up to PHP 30,000, right inside my Maya app. No need for lines or piles of paperwork. And the best part? I could repay on my own terms—and even borrow again if I needed to.
I used it to lock in my flight while the seat sale was still live, and book accommodations while they were still affordable. All without touching the money I’d already saved for on-ground expenses.
Get instant access to a revolving credit line of up to PHP 30,000 right inside your Maya app:
With Maya Easy Credit, no need for lines or piles of paperwork! You can get instant approval through the app:
Just input necessary information:
Choose your preferred billing end date:
Enjoy low service fees and the convenience of automated payments:
So yes—you save, but Maya gives you that buffer when the timing doesn’t line up. It’s not about spending wildly, it’s about making smart, flexible choices when it matters.
5. Be a mindful spender, even when you’re excited
Don’t borrow just to splurge. Borrow because you planned for it, and you need to move now (especially when it’s something time-sensitive, like tickets or travel deals). Maya Easy Credit just gives you that breathing room.
Final Thoughts
Saving is still the MVP, but having backup through something like Maya Easy Credit lets you grab those once-in-a-lifetime moments without ruining your budget. It’s part of adulting smart — plan ahead, save regularly, and have flexible tools when you need them.
Received PHP 10,000 revolving credit, which I used to pay for my concert ticket:
So yes, I traveled to Seoul this FESTA season. And yes, I saved for it. But I also had Maya to back me up when I needed to move fast.
Download the Maya app, upgrade your account, and explore Maya Easy Credit—you never know when your “YES!” moment might show up.
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