When It Rains, Expenses Pour: How to Prepare for Rainy Season Expenses

The rainy season can be a love-hate time for many Filipinos. There’s something comforting about staying indoors and enjoying the rain with a warm drink. But once you have to step outside especially for your work or school commute, the inconvenience quickly becomes all too real.

The inconvenience goes beyond your daily commute. Rainy season expenses can quickly put a dent in your savings and throw your monthly budget off track.

Now that heavy rainy days are becoming more frequent, it’s a good time to make a financial forecast of your own. Here’s how you can plan your rainy season budget and manage costs that may come your way:

Rainy Day Expenses That Can Quickly Add Up

Heavy rains and flooding can disrupt transportation, deliveries, and everyday routines, leading to costs you might not have included in your monthly budget.

• Damaged appliances and belongings: Floodwater can damage everything from small electronics and household appliances to furniture and vehicles. Repairs or replacements can become major unexpected expenses.

• Higher commuting costs: Flooded or impassable roads can make your usual commute difficult. You may need to take alternative routes or transportation, while heavy traffic can also make some trips more expensive.
• Delayed deliveries and logistics: Bad weather can disrupt deliveries and supply chains. Delays may mean paying extra for alternative delivery options or buying necessities somewhere closer at a higher price.
• Home repairs: Leaks, clogged drains, damaged roofing, and flooding can require urgent repairs before the problem gets worse.
• Extra food and household supplies: Stocking up on drinking water, ready-to-eat food, batteries, medicine, and other essentials can add a noticeable amount to your rainy season budget.
• Unexpected health expenses: Rainy weather and flooding can come with health risks, potentially adding expenses for medicine, consultations, or other healthcare needs.
  

This is where an emergency fund or rainy day fund comes in handy. Ideally, you should start building it before the rainy season begins, setting aside money little by little for these types of unexpected expenses when the rains arrive.

Stock Up on Essentials

During the rainy season, heavy rains, floods, and storms can make it difficult to go out. Deliveries may also be delayed or temporarily unavailable, as severe weather can affect roads and the safety of delivery riders.

When the weather is still manageable, and you’re already outside, consider stocking up on essentials such as food, medicines, drinking water, and other household supplies. Planning these purchases as part of your rainy season budget can also help you avoid last-minute spending when bad weather arrives.

For added convenience, you can use SkyroCredit at drugstores, supermarkets, and other stores that accept QR Ph payments. Simply scan the merchant’s QR Ph code to pay and get cashback on your purchases.

Check Appliances That May Need Repairs

The rainy season can make everyday chores more challenging. Drying clothes, for example, can take much longer when there’s little sunlight. Before you urgently need them, check whether essential household appliances such as your washing machine are working properly.

Addressing small problems early may also prevent repairs or replacements from turning into bigger rainy season expenses later.

If an essential appliance needs replacing, you may not have to brave the rain to shop for one. With the Skyro Online Product Loan, you can shop through online partner stores and have your purchase delivered to your home.

Qualified customers may also enjoy 0% interest and ₱0 down payment, subject to terms and conditions.

Prepare Your Go-to Kit

Filipinos are often reminded to prepare for emergencies and natural disasters, from earthquakes to strong typhoons. One practical way to stay prepared is by having a go-bag or emergency kit ready, especially if you live in a flood-prone area or somewhere that may require evacuation during severe weather.

Your go-bag should contain essentials such as:

• medicines
• drinking water
• ready-to-eat food
• a flashlight
• power bank
• emergency cash
• copies of important documents

Consider including IDs, financial and insurance documents, medical records, and emergency contact information.

Keeping important documents safe is especially crucial. If the originals are lost or damaged by floodwater, replacing them can take time and make important financial, insurance, government, or other transactions more difficult. Store them in a waterproof pouch or container and keep secure digital copies when possible.

Keep Your Savings Afloat with Skyro

When unexpected expenses come up, it’s understandable for your budget to shift toward immediate priorities.

If you need more flexibility with your existing Skyro loan payments, Skyro Flexi can help. Customer-bosses can activate it to adjust their payment due date or amount to give more room for urgent needs.

Storms may disrupt your plans and finances, but they won’t last forever. By preparing for rainy season expenses and having the right financial tools available, you can manage rainy days with Skyro.