The holidays are a time to celebrate and give, but they can also get expensive and stressful if we’re not careful. To keep the season joyful (and budget-friendly), a few smart spending habits can go a long way. From setting a holiday budget and organizing your gift list, there’s a way to make the most of the season hassle-free while staying on top of your finances.

Set a budget (and your gift list!)

Setting a holiday budget can feel overwhelming—juggling gift lists, party expenses, and everything in between. The best place to start is knowing who you’re shopping for. Make a list of everyone you’d like to give a gift to and jot down a few budget-friendly ideas for each. Having a clear plan helps you avoid impulse buys and prioritize meaningful presents.

If you’re worried about sticking to your budget, PSBank Mobile app’s fund transfer feature can simplify things. You can immediately transfer your monetary gift to your loved ones’ accounts directly—quick, stress-free, and perfect for the busiest time of year.

Go digital for a smoother shopping experience

Keeping track of holiday spending can be tricky, especially when you’re juggling multiple transactions. Digital payment tools like QR codes are a lifesaver—no need to carry large amounts of cash or worry about complicated payment setups. PSBank’s QR code payment feature makes it easy to shop with just a scan, offering a seamless and secure way to settle purchases.

Skip carrying all your cards or cash

Holiday errands can be tedious especially when you do it last minute. It often requires quick access to cash, but carrying all your cards or large amounts of money can be risky. PSBank’s Cardless Withdrawal feature lets you withdraw cash securely from any PSBank ATMs using just your mobile phone—perfect for those spur-of-the-moment purchases or last-minute needs.

Don’t forget to gift yourself

While you’re busy giving to others, don’t forget to give yourself the gift of financial security. Opening a PSBank Mobile Savings account can be a thoughtful way to invest in your future. It’s an effortless way to build your funds while enjoying the festive season, ensuring you enter the new year on solid financial footing. You can effortlessly open an account with just one valid ID and opt to get the ATM that goes with it for free. You can do more with this app by opening a Mobile Peso Time Deposit account and allow your money to grow for a period of 30, 60, or 90 days with guaranteed fixed-rate returns.

Celebrate without financial stress

The holidays are all about giving, but it doesn’t have to come at the cost of financial stress. With a little planning and the right tools, you can enjoy a festive, stress-free season. PSBank Mobile makes holiday spending simple, so you’re covered wherever the season takes you.

For more on secure banking and PSBank’s convenient e-banking solutions, visit www.psbank.com.ph.