How to Pay Your Skyro Loan Through ECPay Channels
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A question that many of us ask ourselves after looking at our monthly expenses is, "How can I save money?” While earning more can certainly help, it's also worth taking a closer look at the small spending habits that may be quietly adding up and affecting your budget.
In this article, we’ve listed 10 everyday spending habits that add up fast, plus simple tips to help you fix them so you can manage your money better.
Ever bought something just because it was on sale? If your answer is yes, then you’re not alone, boss! Many Filipinos love a good deal. A big discount can feel sulit, especially when it's for something you couldn’t normally afford.
Still, a discount only saves you money if you are already planning to buy the item. But if it wasn’t in your budget originally, that great deal just ends up becoming an extra expense that you could’ve avoided.
💡 Tip: Wait 24-48 hours before buying. If you still want it by then, the item may be worth considering.
Online shopping platforms like Shopee or Lazada often offer free shipping vouchers with a minimum spend requirement. While these promos can help you save, they can also tempt you to add extra items to your cart just to qualify for the voucher.
You may think, “sayang naman” to pay for shipping, especially when an additional purchase could unlock free delivery. But spending habits like these can quietly drain your wallet if you aren’t careful. Spending an extra ₱150 just to avoid a ₱49 shipping fee doesn’t always save you money. These small purchases can quickly snowball into a bigger monthly expense.
💡 Tip: Compare the shipping fee to the extra item you're adding. Most of the time, paying the fee is the cheaper option.
After a tiring day at work or a stressful event, you may find yourself browsing online as a way to relax or lift your mood. There’s nothing wrong with treating yourself every now and then, but it can be a problem when “deserve ko ‘to” becomes the reason behind every unplanned purchase.
No matter how big or small, this habit can slowly add to your monthly expenses if you don’t set a limit on how much you spend. A few hundred pesos may not seem like much at first, but if it happens every week, then you’ll have less room in your budget for your savings, bills, and other priorities.
💡 Tip: Set a small monthly budget for treats so you can avoid overspending.
If you use buy now, pay later or other credit products, paying only the minimum amount due can seem like an easy way to manage your budget. Since it's the smallest amount required to keep your account in good standing, it can be tempting to choose this option when money is tight.
But remember, boss: paying only the minimum amount means you’ll be charged interest for what’s left. The longer it takes to fully pay off what you owe, the more interest will be charged. As much as possible, try to pay more than the minimum amount so you can clear your balance faster and spend less on interest.
💡 Tip: Pay more than the minimum amount due if your budget allows.
If you have a busy schedule ahead, ordering food delivery can feel like the easiest option. With just a few taps, you can have your favorite fast food delivered straight to your house. While it’s a convenient option if you’re busy or tired, the total number of deliveries you’ve made at the end of the month can be surprising when you add everything up.
After all, you're paying for more than just the food. Delivery fees and add-ons can increase your expenses, compared to preparing a meal with ingredients you already have at home. No wonder our parents always told us, "May ulam naman sa bahay.”
💡 Tip: Compare the total delivery cost with cooking a meal for yourself every now and then.
Nowadays, e-commerce platforms like Shopee and TikTok offer installment options for smaller purchases. Since the app shows a small amount due each month, it can be easy to underestimate how much you’re spending and end up placing more orders than planned.
If you’re not noting down your purchases, you could lose track of all your payment due dates. A missed payment may not seem like a big deal at first if it’s only a few days late. But these often come with late payment fees or additional charges that could’ve been avoided with a little planning.
💡 Tip: Write down your due dates or set calendar reminders a few days earlier to give yourself enough time to prepare the money.
Helping friends and family during challenging times is common to many of us and is something that’s hard to say no to. Whether that’s a small amount for transportation or an unexpected expense, Filipinos are often willing to lend money to support loved ones.
This can be an issue when these small loans are forgotten or paid very late. And if you’ve lent money to several people, these can affect your budget over time. That’s why it’s important to keep track of the money you’ve lent and agree on a repayment date upfront.
💡 Tip: Agree on a repayment date early on and only lend an amount that fits your budget.
From food trips to online budols and last-minute galas, saying yes to invitations from friends can be hard to resist. Even when it wasn’t part of your budget, you may find yourself saying “sige na nga” to join in and avoid feeling left out.
And that’s completely understandable. Maintaining friendships often takes time, effort, and a little spending, too. But if you notice that it’s been happening way more often than you’d like, it may be worth saying no every now and then. Being mindful of your spending can help you manage your budget and achieve your financial goals better.
💡 Tip: Give yourself time to think before saying yes to your friends’ invitations.
For many of us, watching online live-selling sessions can be a relaxing pastime. Whether you’re scrolling during your free time or before going to bed, the combination of flash deals, limited stocks, and funny hosts can be hard to ignore.
When watching these sessions, it’s important to be aware of your current expenses and whether the item being promoted is something you really need or simply a temporary interest. Even though it may seem like a great deal at the moment, it could end up being another unplanned purchase on your list.
💡 Tip: Create a wish list for items you're interested in buying. This gives you time to decide properly if it’s worth buying.
Many apps offer in-game purchases that don’t seem like much at first. Whether it’s extra lives, special items, or premium features, spending a small amount every now and then may not feel like a big deal. Since each purchase costs only a few pesos, you can quickly overlook how much you’re actually spending.
But if you play those games regularly, those additional purchases could increase your expenses by the end of the month. That's why you should always be mindful of your digital spending so you can still enjoy your favorite games without going beyond your budget.
💡 Tip: Set a monthly budget for online games and in-app purchases so you don’t end up overspending.
If you need more flexibility with your loan payments, try Flexi, boss. It’s a special feature that lets you change your payment amount or move your due date for your Skyro Product Loan right inside the app.
You can use it up to 3 times for payment amount changes and 3 times for due date changes per loan. It’s one more way Skyro can help you manage your payments in a way that works better for you.
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