4 Scary Spending Habits to Bury This Year

Is it even a complete year if everyone isn’t busy planning Halloween costumes, binge-watching horror flicks, and talking about aswangs? 👻 But here’s a twist—there’s something even scarier than ghosts lurking around…your spending habits. Yep, the ones haunting your wallet month after month. 

So, before you scream at your next credit card bill, let’s talk about the scary spending habits Filipinos need to bury for good this year—because nothing’s spookier than being broke before the holidays even start. 

We’ve all fallen victim to this modern-day curse—swiping our cards or tapping our phones without a second thought. That ₱1,000 skin product? Swipe. Random sale at 2 a.m.? Swipe. Feeling emotional and want to feel good? Swipe. Before you know it, your statement looks like a graveyard of small, impulsive purchases that add up to something monstrous. 

Bury this habit by tracking your expenses through budgeting apps or your bank’s expense tracker. You’ll be surprised how much “harmless” daily spending is actually draining your funds. A good rule? If it doesn’t spark long-term joy, skip it. 

Are you also wondering why your bank account runs dry especially by the end of the month? Maybe your subscriptions are silently sucking all your money—streaming platforms, apps, and random premium trials you forgot to cancel. These little vampires don’t bite hard at first, but collectively, they can drain thousands from your funds each year. 

Slay the vampire by reviewing your subscriptions monthly. Cancel those you rarely use. And if you can share family plans or split costs with friends, even better. Remember: the goal is to stop feeding the monsters that only do harm on you. 

A zombie budget looks alive but lacks purpose—it exists, but it’s not working. Maybe you wrote down your expenses once, then forgot about it. Or maybe you made a budget but never followed through. Either way, this undead plan won’t protect you when emergencies strike. 

Revive your budget by setting realistic goals. Start simple: divide your income using the 50-30-20 rule (50% for needs, 30% for wants, 20% for savings or debt payments). Adjust as needed. A living, breathing budget will help you stay in control and make smarter financial moves. 

Ah, the classic Filipino horror story—“Bahala na si Batman.” Skipping savings or delaying bills might feel harmless, but this mindset can quickly turn into a financial nightmare. Emergencies strike without warning, and without savings, you’re left borrowing or paying high interest. 

Bury this habit by saving even ₱100–₱200 each payday for your emergency fund. For bigger needs, Home Credit offers responsible installment loan options and  cash loans of up to ₱150,000—with approval in as fast as one minute and same-day disbursement for loans up to ₱50,000. Check the Home Credit App to see if you have an offer today.

Skip the jump scares and focus on what truly haunts your finances. Whether it’s impulse spending, unpaid debts, or neglecting your budget, these habits only grow scarier the longer you ignore them. 

Start small—track your expenses, plan your budget, and spend with purpose. You’ll thank yourself later when you’re not panicking over bills just before Christmas. 

Because let’s be real, mga Ka-HC, ang tunay na nakakatakot ay hindi multo o white lady, kundi yung ubos na sweldo sa kalagitnaan ng buwan! Protect your wallet from financial horror stories. With a little discipline—and a little help from Home Credit—you can enjoy the holidays without scaring your future self.