How Maya Helped Me Stay on Track: My money story this 2025 

2025 was a challenging financial year for me. I had months when expenses felt overwhelming, income was inconsistent, and I needed to be extra careful with every peso. Even so, I am grateful that I was able to maintain my savings and Time Deposits in Maya. These helped me stay disciplined and secure, even during stressful times. 

This is a reminder that steady, small actions make a difference. And with the right tools, managing your money becomes simpler and more sustainable, no matter what life throws at you. 

My Biggest Financial Win in 2025 

My top win this year was keeping my emergency fund and Time Deposits intact. I opened them because I needed a way to protect my future goals. When things got difficult, these deposits reminded me that I was still moving forward little by little. 

With Maya, I was able to create up to five Time Deposits and five Personal Goals. I used these for: 

• Travel funds
• My son’s tuition
• Future retirement money
• Car expenses
• and others

Having them separated kept my savings organized and prevented me from touching money meant for long-term needs. 

The Maya Features That Helped Me Get Through My Financial Ups and Downs 

Maya Savings 

I placed my emergency fund in Maya Savings since it has to be somewhere I can access quickly when life throws surprises. With interest rates of up to 15% per annum, my savings grew steadily even in months when I could only add a little. Seeing my progress every day also made me think twice before spending. 

Maya Time Deposit 

This is my favorite feature. The interest rate is higher than that of traditional banks, and I can open several Time Deposits for different goals. Locking my money for a set period helped me avoid impulsive withdrawals and stay focused on what I am saving for. The great news is that Maya Time Deposit Plus offers a base interest rate of 3.5% p.a., which can be boosted up to 6.0% p.a. depending on the term and goal achievement. 

Maya Funds 

Anyone can start investing with as little as P50. I really like that I can invest without needing to leave home. Every transaction is done inside the Maya app. A professional fund manager handles everything, which is perfect for people who want to invest but do not know where to start. There are various funds available based on your risk profile, so you can choose what fits your comfort level. 

Maya Black Credit Card 

I had no plans before to get this card, but I am glad I did. It gave me more control and convenience. I can easily see how much of my credit limit is already used, and now, I do not need to wait for the billing period before paying for my purchases. I also enjoy several perks, including: 

• 10 times miles at Maya Black Preferred merchants
• Instant Maya Miles for every purchase 
• No annual fee for life 

It is very rewarding to use, especially if you have plans to travel soon. 

What 2025 Taught Me About Money 

This year taught me many things about myself. 

I learned that: 
> You can experience financial struggles and still manage your money responsibly. 
> Savings do not mean financial perfection. They mean preparation and discipline. 
> Small, steady contributions matter more than big one-time deposits. 
> Having systems in place makes financial stress more manageable. 

The biggest lesson for me is that the right tools can help you stay grounded even when life gets tough. 

Looking Forward to 2026 

I am entering 2026 with a clearer mindset and a goal to continue growing my savings portfolio. I want to build more stability and slowly increase what I have saved. I will continue using Maya because it helps me stay consistent, organized, and intentional with my finances. 

If you are also trying to improve your financial situation, I hope my story encourages you to start. You can begin with small steps. You can start even when life feels overwhelming. What matters is that you move forward at your own pace. 

Thank you @mayaiseverything for being a real partner in my journey toward better money habits.