Let’s be honest, saving up money can often feel overwhelming, with your day-to-day spending piling up, worries about unplanned expenses from emergencies, and overall need for the right savings habit.

And you’re not alone in this. The Bangko Sentral ng Pilipinas’s (BSP) data shows that saving rates are dipping while household spend rises. The percentage of households with savings declined to 25.6% in the last quarter of 2024, from 29% recorded in the third quarter of the same year. Meanwhile, household spending for the following quarter has been increasing, particularly for expenses on food, clothing, or even restaurants. It’s a common struggle: life throws curveballs, expenses increase, and suddenly, your savings goals feel further away than ever.

In a recent event, Metrobank discussed the challenges that may come with saving money and how you can have a fighting chance to turn this around – by adopting an intentional saving behavior, and taking advantage of meaningful offers like its recently launched Triple Bonus promo.

According to the bank, one simple but effective way to start saving money intentionally is through goal-based saving which entails having separate accounts for specific financial goals – a modern take on the classic envelope method. By having dedicated savings accounts for your goals, you create a clear boundary between what’s meant for spending on your essentials and what’s meant for saving for your dreams.

The bank also highlighted that saving shouldn’t feel like a sacrifice. While it’s important to save money to prepare for emergencies or retirement, Metrobank encourages savers like you to Save Without Missing Out or to #SWOMO. This entails setting aside money to fund your dreams, whether that’s a solo backpacking trip to Japan, a dream destination wedding, or buying a comfortable home. This helps strike a balance between striving to be financially secure and living the life you’ve aways dreamed of.

Saving for these goals is made even more rewarding with Metrobank’s Triple Bonus Promo, that offers meaningful perks to help you reach your financial goals. After all, building your savings is the best gift you can give to your future self. When you open your first Metrobank savings or checking account from now until April 30, 2025, you get a triple bonus that will help set you up on your savings journey

1. PHP 1,500 Cash Gift: Consider this a head start, a boost to your savings, or a well-deserved reward for taking that first step in building your goals fund. Enjoy a cash gift equivalent to a 3% return on your savings, when you deposit and maintain PHP 50,000 in your account, for 6 consecutive months.
2. Rebates on InstaPay Fees for a year: Make your everyday transactions lighter on your wallet with up to 10 waived InstaPay fees per month, for 12 months. Just maintain at least PHP50,000 in your account monthly for a year to enjoy this exclusive benefit. This will definitely put more money back into your pocket – because every peso counts, especially for your everyday expenses.
3. AXA Personal Accident Insurance: Life happens, and unexpected expenses can derail your plans and deplete your savings. With this insurance coverage, you can focus on your goals, knowing that you have a safety net for unexpected events in your life. Keep at least PHP50,000 in your accoun every month for a year to enjoy this added protection.

With these rewards, Metrobank aims to encourage more people to be able to save money, and ultimately, start building the financial habits that will allow you to reach your life goals. To enjoy these offers, head to your nearest Metrobank branch and open your first Metrobank account.

This 2025, gift yourself a triple bonus as you save up for your life goals.

To learn more, visit your nearest Metrobank branch or head to https://metrobank.com.ph.