Cheat Sheet: Here Are Some New Year’s Resolutions To Help You Manage Your Money Better

Cheat Sheet: Here Are Some New Year’s Resolutions To Help You Manage Your Money Better

By April Jamie Bustamante

With the New Year finally kicking off, we’re sure you’ve been reflecting on where you are at this point in your life. Do you have a stable job and steady income to support your needs? If your answer to this is ‘yes', then there’s only one thing left to do: invest in your future! It’s about time you secure your financial independence. Don’t worry if this seems intimidating. We’re here to give you a plan of action and some practical tips to help you succeed. Soon you will have saved up a sizeable amount for your #AdultingGoals—whether it’s a new toy or (even better) a new house!

To make things easy, we’ve broken the plan down into these simple steps. Add them to your list of New Year’s Resolutions and you’ll be well on your way towards becoming debt-free and worry-free!

Look For Hardworking Investments. First things first—let’s talk more about what it means to invest in your future. Take for instance, Ayala Land’s Homestarter Bond. It allows your investment to:

1. Earn 3% interest per annum

2. Act as a home downpayment, and 

3. Give you a discount on your future Ayala Land home—whether from Ayala Land Premier, Alveo, Avida, Amaia, or Bellavita!

Practice The 30-Minute Rule. Are you the type who can’t go a day without drinking an expensive cup of coffee or browsing through a mall sale? Try the 30-minute rule! If you find something you think you want to buy, distract yourself with other things first, then come back for it after 30 minutes. Do you still want that item? If not, congratulations! You just avoided spending on an unnecessary thing!”

List Down All Your Expenses. A daily list of expenses helps monitor which aspect of your life you may be spending too much on. Once you know this, you can adjust your budget allocations without feeling too constrained. There are plenty of online tools available to help you (we recommend You Need A Budget, Wally, and Unsplurge). 

Don’t be afraid to start small. You can start investing for as low as PHP50,000! Through the Ayala Land Homestarter Bond, you can earn higher interest rates than that of a regular savings account and increase funds with the option to get a discount on an Ayala Land home in the future.

To know more about how your investment can help you save for your home, visit Their agents are more than willing to help, so hit them up at!

Starting your New Year’s resolutions is easy. Sticking to them is the challenging part. But with a bit of discipline, some money-saving techniques, and the right investment choices, you’ll surely get there! 

The Ayala Land Homestarter Bond is offered exclusively in the Philippines and pursuant to requirements under Philippine laws, rules and regulations that may be different from those of other countries and jurisdictions. Ayala Land did not or will not take any action to permit an offering of the Ayala Land Homestarter Bond in any jurisdiction other than the Philippines, where action for that purpose is required. Accordingly, the Ayala Land Homestarter Bond may not be offered or sold, directly or indirectly, nor may any offering material relating to the same be distributed or published in or from any country or jurisdiction, except under circumstances that will result in compliance with any applicable laws, rules and regulations of any such country or jurisdiction.

ALSO READ: Cheat Sheet: Adulting Goals Every Millennial Should Start Working On No Later Than Now!

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