Maintaining a delicate balance between enjoying life in the present, while also building a secure financial future is a constant struggle for many.

But what if there’s a way to do both at the same time?

That’s what SWOMO, or Saving WithOut Missing Out, is all about – a financial tip from Metrobank which entails setting aside money to fund your dreams while also building financial security.

If like us, you’re also saving money for your personal goals this 2025, here are ways you can save without missing out:

Save intentionally

Intentionally is the key word here, meaning define your goals and stick to them.

What are you saving for? A house or a car? Travelling the world or retiring comfortably?

Here’s a hack: Whatever your goals are, establish them and assign separate bank accounts for each. When you have a dedicated savings accounts for your goals, you create a clear boundary between your budget for essentials and your budget for your future.

Make your savings work for you

When saving up, make sure to take advantage of any rewards and benefits that can help your grow your funds. An example for this is Metrobank’s Triple Bonus Promo, which offers meaningful perks to help you reach your financial goals.

When you open your first Metrobank savings or checking account from now until April 30, 2025, you can enjoy an easy and uncomplicated savings journey while also receiving three rewards!

Not only do you get to save up for your dreams, but you also receive triple bonuses, including:

• A one-time cash gift of PHP 1,500. With this cash gift, you can use to restock some pantry essentials, gas up your vehicle, or even treat yourself to a well-deserved good meal.
• A year’s worth of InstaPay fee rebates of up to 10x per month. With your firstMetrobank account, you can enjoy up to 10 ~free~ InstaPay monthly transfers for transactions worth over PHP 1,000. This makes bank transfers convenient and hassle-free for a whole year. Plus, those small fees can now be an additional savings you can pay yourself with!
• A ~free~ AXA accident insurance coverage worth PHP 1 million, valid for 12 months upon account opening. With this free insurance plan, you can rest assured that even as you live your life and work towards your dream every day, you’re protected against any curveballs you might encounter.

All you need to do is deposit an initial savings of at least PHP 50,000 to your first Metrobank account. Maintain this amount or add more funds for six consecutive months to get the PHP 1,500 in cash gift and for at least 12 months to enjoy the InstaPay fee rebates and receive the free AXA Personal Accident insurance plan worth PHP 1 million.

Head to the nearest Metrobank branch to open an account today!

Allocate some budget for fun

SWOMO doesn’t mean you can’t have fun, because that’s half the point of saving without missing out. So create a budget with a “fun money” category, which should be dedicated to anything that would allow you to indulge spontaneously without guilt, as long as you stay within that budget limit.

Limit social media exposure

One of the biggest triggers of FOMO is social media, especially since it’s filled with all the fun and pretty things and little to none of the effort that it takes to get there. So manage your social media time and curate your feed to minimize temptations and show more of what you value as a person.

Hang out at home

We know having dates or hanging out with friends can be costly, depending on your activities. So why not find something free yet fun in the house instead?

Instead of watching a new release in the theaters with your S.O., put on an old movie to rewatch at home. Or instead of going out for drinks with your friends, go grocery shopping and grab some drinks to enjoy at home together while you cook dinner.

Find affordable alternatives

Don’t get us wrong —- you don’t have to restrict yourself at home. Look for free or l0w-cost activities, like going to the park, visiting museums when they have free admissions, or exploring a weekend market. When travelling, you can also try staying in budget accommodations instead of five-star hotels.

Give yourself a cool-down period before making a purchase

Sometimes, you feel the urge to buy something you saw in the mall or on an online ad. But before making that purchase, wait a day or two — maybe even a week or so!

Make sure you really want (or even need) the item. Because often, the desire will subside, you’ll find yourself thinking less and less about it, and you’ll realize you didn’t need or even really want it.

Practice smart shopping

For the instances when you’ve set your heart on that purchase, make sure you do it the smart way. Do thorough research and compare prices both online and in-store. If you can, why not wait for a big sale to get the best deal for your big purchase.

With these fool-proof tips, and meaningful offers, saving without missing out or #SWOMO is truly possible. Now, you’re one step closer to bringing your 2025 savings goals to reality!

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