Christmas Bonus Coming: Here's Why You Should Build an Emergency Fund First

It's that time of the year again folks and yes, it's the 13th Month Pay season. That goes without saying that Christmas is just around the corner, and I'm sure you've already been thinking how to spend that hard earned money you got for your bonus. Gifts for family or friends, or the most special one on earth, YOU. Not to burst your bubble, but I'm here to suggest something different, why not give yourself something more important, some peace of mind! 

If you're new to the saving game, that just feels so boring to put some of it in an emergency fund.  I'm not saying you should put off thinking of that new phone you've been saving up all year or that trip you want to go to, think of it as a gift to your future self when the most unexpected things happen. Remember that Metrobank financial education program called Earnest? That teaches you that emergency funds are for those that are unexpected and urgent. When you suddenly get hospitalized or perhaps lose your ability to work, you will be safe because of it. 

How do you start one?

It's all about planning. Since you're quite eager to give gifts this season, take that same knowledge and apply it to other things like lessening the expenses. Don't be that person who just received his Christmas bonus and so eager to burn it all up in shopping and merrymaking. Take the step to saving a portion of it, it doesn't have to be huge, a small amount would do. At the end of the day, you should at least have left something for the rainy days. 

Constantly reevaluate your relationships, yes a very generous friend like you must be popular during this season, but that doesn't mean you would need to become the spitting image of Santa Claus right? The essentials are okay, but you don't have to spend on that friend who's been putting you off all year, or that grumpy geezer who's never been nice to you anyway. Make it all about food, transportation, rent and paying your bills. It doesn't need to be done the whole year but just a place to start. If you've got a lot of people who depend on you, try to adjust your savings into bigger amounts, like one or two years worth, and of course something sensible and achievable. You need to veto a lot of things especially identifying your wants from your needs. Save where you can even while shopping, use those coupons while you're at it, but don't scrimp on where you shouldn't because you need investment outfits, a break when you need too. 

The way to do it is by doing it regularly. Make it a habit to put aside a percentage of your salary every cut off and have it separate from your main egg basket. Open a Metrobank eSavings so you can still access it online but generally away from you and your subtle temptations. 

Of course you can still enjoy the season and the magic it brings, but don't forget to put yourself on your Christmas list every year. You deserve to be pampered, a massage every once in a while, go open one with your valid ID in Metrobank today! 

METROBANK Offers Ways To Invest for Beginners

It can feel so daunting to be an adult. While you're out of uni and finally got work, the next step is how to earn and save. This is where most people feel lost and clueless because investing takes a lot of learning. 

The folks at Metrobank though is taking the guesswork out by making it easier for you, and more accessible. To do it securely, they now have UITF or Unit Investment Trust Fund available online. This means you get to do all the transactions through your own personal computers or smartphone. They made it all simple to apply for one and give you the information you need to make decisions where you want to invest your hard earned money. 

Through their funds, you get your money to be managed by Metrobank's very own fund managers who use their experience and expertise to strategically grow it and monitor on a full time basis. The platform also is available 24/7 and can be accessed online. This is also done secure as they utilize world class security standards, and all it takes is 10,000 pesos as your minimum amount. You can choose among 25 UITF products, choose to be aggressive or not, all in Metrobank UITF platform. You may visit their official website via metrobank.com.ph/investments/uitf and their main site onlinebanking.metrobank.com.ph if you want to do it now!

Isn't that a nice way to start your year?

METROBANK Offers TRIPLE BONUS PROMO for New Accounts!

It's the new year but I haven't seen new year resolutions posted yet, is it passe? Not needed? Or is it just inside your mind? 

Do you all want to be better at something this year? Then go and get those goals happen!

Metrobank Triple Bonus promo is ongoing. Designed for those who would want to open their savings account of 50k+ or more, this would be a great reason to open an account now.

Consumer Sector Head Monj Del Rosario says "We want to share with you the reason why we are putting customers in good hands. As bankers, we are not just championing products, we are here for every life stage to be able to meet your goals. We want to make it more rewarding and aligned with your aspirations. It's a new ERA, we want to make things easier, rewarding and aligned to your goals, and it all begins with the right mindset."

Cris Concepcion their Brand Marketing Head adds "What we do is with our brand promise, in good hands. The best partner and adviser, the right products, secure ways to bank. We believe in balance, in giving back, and we believe in financial education. This is so you can make more informed decisions, which is why we put up EARNEST by Metrobank. This is a program that gets you to learn more from content we put out. There's a decline in Filipino ways in saving, and it is concerning. There's also a spending increase which is a bad combination. We used to save only for basic stuff, and there is fear in losing out on experiences and things. With lack of knowledge, it would be hard to keep track of that. We want to make you SWOMO - Save without Missing Out. If you are more aware of bank products, you get to do more with your money. You want to get started where you want to get started. You also want to increase income, and your money to work for you. The swomo movement is something to adopt, it's financial mindfulness and gives you peace of mind. More peace of mind, less fomo and buyers remorse to help you live a full life. You can visit ERNEST by Metrobank on our official site."

Yna Pelaez their Retail Deposit and Payment Products Head explained a few things about their Triple Bonus Promo saying "Achieving goals in your life, we empower customers with our products. We understand that saving is not easy, there are challenges and temptations. From the small fees, coffee, emergencies, life uncertainty, it's the biggest savings depletor. When you open Metrobank accounts, and open with at least 50k, you get 1500 Cashback, Instapay rebates (where you get a full year of rebate, max 10 per month) so you can add it to your savings. You also get a 1 Million pesos worth of Personal Accident Insurance from AXA. All of these bonuses will help clients to save, live easier, make your goals a faster reality."

I made my Vision to Action board with a couple of things, several encouraging lines, some investment goals like gold, uitf, real estate, money market, making smart choices, including those who love and support me, and checking if I'm still okay at the end of the day. 

Now wouldn't it be the perfect time to open a new Metrobank Savings Account?