Stay Ready, Rain or Shine: Protect Your Finances From Rainy Days

When the rainy season hits, it’s not just our health that takes a toll. Sometimes it’s our finances, too.

Rainy days often bring expenses we never planned for. One moment it’s a few extra pesos for fare and a new umbrella. The next it’s flu medicine or last-minute school expenses. Before we know it, most of our paycheck is already gone.

You don’t need a major financial overhaul to feel more secure this season. What you need is a financial buffer, a little room in your budget that can ease the stress.

Here’s how you can build yours:

Start with one rainy-day scenario.
Don’t aim for a big emergency fund right away. Choose one thing that stresses you out like flu medicine for your child or fare money when it floods and build a small fund for that. Peace of mind starts with one thing covered.

Build your buffer into your habits.
When you buy a prepaid load, groceries, or lunch, set aside ₱50–₱100 into a “backup wallet” — physical or digital. It doesn’t need to be a separate savings account, just a safe spot for future incidentals. 

Prepare items, not just pesos.
A buffer isn’t always cash. It can be stocked meds, an emergency bag, or even a fully charged power bank. These things keep you from spending extra when things go wrong.

Choose calm over control.
We can’t control the rain, sick days, or sudden expenses. But we can choose calm by preparing just enough to feel secure - not perfect, just prepared.

Rainy days are part of life, but stress doesn’t have to be. Start with ₱100. Start with a habit. Start with what makes you feel safer.

And if you need help, SAVii is here with financial services designed to help you in all seasons.

👉 Log in to your SAVii account and explore your options.