Summer is here, and Filipinos know what that means: rising temperatures and rising expenses! The temptation to splurge on vacations, outdoor fun and cooling solutions—which can jack up your electricity bill—is strong.

But fret not because higher expenses don't have to be your summer story. With some strategic planning, you can embrace the warmth without scorching your budget. Home Credit, one of the country’s leading consumer finance companies, is here to help you navigate the season with these cool summer tips and hacks.

Create a summer budget

Summer is the time to rest and have fun, but don't let it be an excuse to overspend and ditch your budget. Make this season a breeze by creating a comprehensive summer budget tailored to your specific needs.

Categorize your spending for entertainment, travel and utilities. Since summer often brings changes in expenses, prioritize your spending and factor in potential unexpected costs. This way, you'll ensure you have allocated funds for every aspect of your summer plans, allowing you to enjoy the season without financial stress.

Take advantage of the summer discounts

The scorching heat isn't the only thing rising this summer—so are the hottest discounts on appliances and gadgets! Dive into the season as a smart shopper by seeking out the latest summer deals at your favorite stores.

These deals aren't just about saving money, they're about aligning your budget with your summer needs, and having options to better manage your cash flow. By strategically shopping and focusing on your essential purchases, you can enjoy significant cost savings while avoiding the temptation to overspend. Remember, smart shopping doesn't mean buying less, it means buying better.

Utilize energy-efficient appliances

Summer in the Philippines is synonymous with scorching heat, making appliances like powerful fans, refrigerators and air conditioners essential. But choosing the right ones can impact your budget significantly, like appliances powered by inverter technology.

Unlike traditional appliances, inverter models are designed to optimize energy consumption. This translates to a cost-effective and ecofriendly solution for battling the summer heat. These energy-efficient wonders offer the ultimate double win: keeping you cool while keeping your electricity bills down.

Plan summer travels wisely

Rest and relaxation are a must do during summer, but you will only get nothing but stress when these are not planned strategically. If a summer escape is on your mind, do it smarter, not harder. Start by exploring budget-friendly destinations and consider visiting during off-peak times. This not only avoids crowds, but also unlocks hidden gems that won't break the bank.

Another pro tip to follow is to book in advance to not only secure your spot early, but also unlock discounted prices on flight and accommodations. Remember, a little strategic planning goes a long way to ensure you make the most of your summer adventure without burning a hole in your pocket.

Find alternative summer activities on a budget

If you want to celebrate fun in summer on a budget, don’t worry because it doesn’t have to cost a fortune. This is the perfect time to explore rewarding and relaxing activities that won’t break the bank.

Gather your loved ones for a picnic in a scenic park, enjoying fresh air, delicious homemade food, and quality time together. You can also head to a nearby mall for a cool escape. Relax in a café, grab a meal at a restaurant, or simply browse the shops.

Lastly, if you have a family, create lasting memories at home. Play outdoor games with your kids, have a movie night with refreshing drinks, or simply chill out with the cool air provided by your inverter AC.

Keep your cool during summer with Home Credit’s hottest deals

Summer fun shouldn't strain your budget! This season, Home Credit offers sizzling deals to help you stretch your summer spending.

If you need a cash boost, you can apply for a quick and easy cash loan* through the My Home Credit App, with approvals taking just one minute. Choose a loan amount from PHP 3,000 to PHP 150,000 to cover your summer expenses.

Additionally, Home Credit will offer 0% interest deals that can help you purchase your new cooling appliances which can help you manage the heat summer season brings. Plus, these amazing appliances and offers will be available on Shoppingmall.ph.

Don't miss Home Credit's exciting deals available from March 15th to May 31st!

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the Home Credit Online Loan App on Google Play to learn more about the latest promos and see what’s new in Shoppingmall.ph.   

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). *Available to select customers with Home Credit Cash Loan offer    

With the new academic year just around the corner, most parents, especially moms, are gearing to ensure a smooth back-to-school season for their kids. This entails making sure that tuition fees and miscellaneous expenses are settled in time for the beginning of classes while providing everything they will need, including textbooks, pens, paper, uniforms, and even gadgets, to be equipped with the right tools for their school tasks.

However, the overall cost of these back-to-school needs can strain your finances, especially when you have a fixed monthly income. This is why it is crucial to manage your expenses properly. As this task can be quite challenging, here are some smart budgeting tips you can apply to avoid overspending in the upcoming school year.

These tips are provided by Home Credit, a leading consumer finance company.

Establish a list of school essentials, other important expenses

Creating a detailed list provides an overview of the essential items your kids will require and the fees you need to pay for the upcoming academic year. This allows you to prioritize what back-to-school needs should be taken care of first while not missing out on anything important.

Before finalizing your list, do not forget to check your kids’ school supplies from the previous school year. Once you determine which items can be reused this season, you can check them off to avoid unnecessary expenses.

Determine your budget

Now that you have a comprehensive list for the back-to-school season, you can start looking over or estimating the costs of everything your kids will need. From there, you can establish a realistic budget based on your financial capabilities. This allows you to better manage your finances and make informed shopping decisions.

Take advantage of deals, discounts

Sales and discounts can significantly reduce the total cost when you are shopping for supplies. Taking advantage of such offers will allow you to save more money without compromising the quality of the items. At this period, you can also buy in bulk so you will have a stock of school supplies to last the whole academic year, minimizing your kids’ school expenses in the long run. Additionally, this will enable you to stretch your budget further to purchase additional items for your kids or redirect the saved funds to other essential expenses at home.

The key to your back-to-school budget!

If you are looking for a convenient and reliable solution for your budget in preparation for the upcoming academic year, Home Credit has you covered, as it offers a back-to-school cash loan promo for its eligible customers until August 31, 2023.

By visiting the My Home Credit App, you can now easily apply for a cash loan anytime and anywhere. With just one minute of processing time, you can avail a minimum of PHP 3,000 up to PHP 150,000 loan amount to cover your kids’ expenses this season—be it tuition fees, school supplies, and more. You can also enjoy flexible payment options that range from 12 to 60 months and get up to five months of free installments if you are an eligible customer who pays on time.

You are qualified to get this promo if your account is active and in good credit standing during the offer period. You can also enjoy Home Credit's ongoing promotions even after participating in the back-to-school cash loan promo.

Grab this amazing offer while it lasts! Take advantage of Home Credit’s promo to ensure your kids are well-equipped to face the new school year without breaking the bank.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in the Marketplace.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

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