30/10/2026
This is to respond to some of the comments to my last sharing.
https://www.facebook.com/pesosenseph/posts/1663882978666485
Clarify ko lang po, Paputol putol savings ko before, now lang ako nagfocus talaga to progress my finances. I am by no means mayaman, 'di lang siguro magastos pero like everyone, nagtataka bakit bilis maubos ng sweldo at ipon.
At the time I posted, ang rates ng mga Digital banks ko are as follows:
Maribank - 3.25% p.a.
Maya - My savings - 10% p.a.
Maya - Personal Goals - This is tiered interest pero ang breakdown ng interest is:
• First ₱20,000 (₱1 – ₱20,000): 4% p.a.
• ₱20,001 to ₱40,000: 4.5% p.a.
• ₱40,001 to ₱60,000: 5% p.a.
• ₱60,001 to ₱80,000: 6.5% p.a.
• ₱80,001 to ₱100,000: 8% p.a.
Ang thinking ko is mas mataas interest compared sa traditional banks and liquid that you can withdraw if needed. PDIC insured and BSP regulated. Pero syempre, kahit anong safe nyan, always make effort din to be safe that you dont give your OTP and click any links. I plan to use other digital banks, Tonik, Gotyme etc. Don't put your eggs in one basket. In case mag maintenance ang isa, may kukunan ka pa rin na digital bank. For passwords pala, I try to have different passwords/pins for each. I write down the credintials for safekeeping.
Sa MP2 naman, mataas din 7.12%, pero ayun locked for 5 years, kaya di ganun kalaki nilalagay ko, pero I try to correct my mistake by creating my 3rd one. Gusto ko lang na diversified at may nakukuha ako na pera hopefully each year which means a 4th and 5th MP2.
In terms of my spending, gamit ko main si Maribank, sya pinakaunang Credit card ko and binigyan nya rin ako ng credit limit increase. It's my way of building my credit score while not breaking my money habang nagaaccumulate ng interest.
I know medyo questionable or noob pa thinking ko in terms of handling my money. I am open sa mga shineshare nyo and I am sincerely thankful sa mga nagbigay sakin ng ideas. Sending my regards to everyone and continue lang tayo sa pag save. Naka budget na ba 13th month / bonus natin? ;)
