
<p>In a world that moves fast and never slows down, we all need tools that keep up with us. Whether you&#8217;re ordering your third coffee of the day, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> for groceries after work, or booking a last-minute trip, one thing is constant: you want payments to be simple, secure, and seamless. That’s where the Physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card comes in. It’s not just a card: it’s your financial sidekick, ready when you are.</p>



<h2 class="wp-block-heading">3 advantages of a physical Atome Card</h2>



<p>Want a physical Atome Card? Below are a few benefits you might not be aware of.</p>



<h3 class="wp-block-heading">1. Enjoy cashless payments</h3>



<ol start="1" class="wp-block-list"></ol>



<p>No one likes counting coins in line or rushing to the ATM before a date. With the Physical Atome Card, all that hassle? <em>Gone.</em> Just tap, swipe, or insert. Whether you&#8217;re buying lunch at your go-to carinderia or scoring weekend sale deals at the mall, you can pay with a quick flick of the wrist. It feels good. Feels efficient. Feels like you&#8217;re living in the future.</p>



<h3 class="wp-block-heading">2. It&#8217;s international-trip ready</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Remember your last trip abroad? Maybe it was a beach escape or a hustle-filled business trip. Either way, money matters always sneak into the adventure. Currency conversions. ATM withdrawals. Hidden fees. Stress. But with the physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, you&#8217;re covered—literally across borders. You can pay in-store and online wherever <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a> is accepted, so your wallet travels lighter. Focus on making memories. We&#8217;ll handle the money part.</p>



<h3 class="wp-block-heading">3. Free doorstep delivery</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Gone are the days of lining up at branches or filling out forms that feel like a school exam. Once approved, your physical Atome Card is delivered straight to your doorstep. And the best part? It’s completely free. Absolutely delivery charges. Just a sleek card, landing right in your hands, ready to go.</p>



<h2 class="wp-block-heading">Get to know your physical Atome Card</h2>



<p>Decided to get your very own physical card? Here&#8217;s what you need to know:</p>



<h3 class="wp-block-heading">Your choice of color</h3>



<p>This isn’t just any card. It’s <em>your</em> card. Choose from colors that match your mood, your vibe, or your aesthetic. Whether you’re a fan of bold hues or clean minimalism, there’s a shade for you. Make your wallet pop—or keep it cool and classy.</p>



<h3 class="wp-block-heading">Unique card details</h3>



<p>The physical Atome Card comes with everything you need to shop online and offline. That means a unique card number, expiration date, and CVV for secure <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>. It&#8217;s just like any major card you know, except it’s simpler, more flexible, and made for people who don’t want the usual banking headache.</p>



<h3 class="wp-block-heading">10-day delivery</h3>



<p>Speed matters. Especially when you’ve got plans to shop, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a>, or surprise someone special. That’s why your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> arrives within 10 business days after approval. Quick, safe, and straight to your door. No chasing. No waiting for weeks.</p>



<h2 class="wp-block-heading">How to use your physical Atome Card responsibly</h2>



<p>Getting a physical Atome Card opens doors. But with that freedom comes a bit of responsibility. The key is to stay in control. Use the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> to monitor your spending in real time. Plan your expenses. Know your limits. And remember: you can split your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6 monthly payments. Pay within 40 days and you won’t even pay interest. That’s 0%. Just use the card wisely, and it works <em>for</em> you, not against you.</p>



<h2 class="wp-block-heading">Tips for being a physical Atome Card holder</h2>



<ul class="wp-block-list">
<li>Activate your card as soon as it arrives via the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>.</li>



<li>Keep your card details private. Treat it like your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a>: Don’t hand it to just anyone.</li>



<li>Use the app to stay updated on your spending. It’s your command center.</li>



<li>Turn on spending alerts. They’re like gentle nudges to stay on track.</li>



<li>Know your billing cycle. It helps you plan, avoid surprises, and stay financially chill.</li>
</ul>



<h2 class="wp-block-heading">Take it to the Real World</h2>



<p>The physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card isn’t just plastic. It’s the power to spend smarter. To move freely. To say yes to your goals without breaking the bank. Whether you’re out grabbing milk or booking a weekend getaway, your card is right there with you. Apply today your way, on your terms.</p>
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Physical Atome Card: The Ultimate Guide


<p>When was the last time you changed your password?</p>



<p>If you’re like most people, it’s probably been a while. Here’s the thing: in 2024, weak passwords were behind <strong>36% of all account hacks</strong> across the Asia Pacific, according to <a href="https://sumsub.com/guides-reports/apac-identity-fraud-report-2024/" target="_blank" rel="noreferrer noopener nofollow">Sumsub&#8217;s recent Identity Fraud report</a>. That&#8217;s roughly one in every three cases, highlighting how common it is.</p>



<p>That means your coffee shop loyalty app, your online <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> accounts, and even your e-wallet could all be easy targets for potential fraudsters.</p>



<p>In today’s world where everything happens online, a simple password isn’t just risky—it could cost you your hard-earned money, your privacy, and a lot of headaches you didn’t sign up for.</p>



<p>The good news? Keeping your digital life secure doesn’t have to be complicated. Small changes can make a big difference; it all starts with leveling up your password game. This article breaks down the mistakes to avoid; how to build unbreakable, strong passwords; and how to stay one step ahead of hackers without needing a degree in cybersecurity.</p>



<h2 class="wp-block-heading">Why a Good Password is Your First Line of Defense</h2>



<p>Today&#8217;s scammers aren&#8217;t just targeting banks or big companies anymore. Instead, many are after everyday people like yourself.</p>



<p>Hackers who&#8217;ve cracked your password can easily scour your highly valuable profiles, like your <a href="https://www.atome.ph/blog/online-shopping-security" target="_blank" rel="noreferrer noopener">shopping accounts</a> Lazada or Shopee account where you&#8217;ve linked your Atome Card. They could change settings and drain your money quickly.</p>



<p>This isn&#8217;t meant to scare you. Instead, it&#8217;s to help you realize that password security is always worth considering; it isn&#8217;t something to set and forget. It&#8217;s worth spending a few minutes to think of a secure and unbreakable password when it inevitably comes time to change. Those few minutes will save you hours of headaches down the line.</p>



<h2 class="wp-block-heading">4 Mistakes to Avoid for a Good Password</h2>



<p>Most people don’t realize just how easy they make it for hackers to break in through passwords. Here are the biggest password mistakes you need to avoid (or might already be making) and how to fix them.</p>



<h3 class="wp-block-heading">1. Using one word, rather than a phrase</h3>



<ol start="1" class="wp-block-list"></ol>



<p>Single-word passwords are too straightforward and can easily be guessed if the hacker does their research about you. Instead of using something simple like &#8220;sunflower,&#8221; try a full phrase—something only you would think of.</p>



<p>Example: &#8220;CoffeeAt6AMIsLife!&#8221; or &#8220;MangoRiceIsSuperior99&#8221;</p>



<p>Longer = stronger.</p>



<h3 class="wp-block-heading">2. No variations in character</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Numbers, punctuation marks, and symbols turn dictionary words into an even more complicated string of characters that can easily deter most scammers from breaking into your account. Try sprinkling a few capital letters, numbers, and symbols to really catch scammers off guard with your personal security.</p>



<p>Example: &#8220;B3ach$unset_Tour&#8221;</p>



<p>The weirder it looks, the harder it is to crack.</p>



<h3 class="wp-block-heading">3. Using common words or phrases</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Sure, picking something easy to remember — like &#8220;password123&#8221; or &#8220;iloveyou&#8221; — feels convenient. But here&#8217;s the reality:<strong> common words and phrases are the first thing hackers test</strong> when trying to break into your accounts.</p>



<p>Cybercriminals today don’t sit around guessing manually. Instead, they use automated programs that can test millions of common passwords per second.</p>



<p>If your password sounds like something that could appear on a T-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/shirt/page/1">shirt</a>, a greeting card, or a meme&#8230; it&#8217;s probably too easy to crack.</p>



<h3 class="wp-block-heading">4. Neglecting two-factor authorization (2FA)</h3>



<ol start="4" class="wp-block-list"></ol>



<p>As the name suggests, 2FA adds a layer of protection for your account. This typically includes biometric authentication, such as Apple&#8217;s Face ID regular fingerprint verification, or the use of one-time passwords (OTPs). Enable this layer of authentication as much as possible, so the strength of your security doesn&#8217;t rely entirely on your password.</p>



<h2 class="wp-block-heading"><strong>The Real Cost of a Weak Password</strong></h2>



<p>If you’re using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> to split your bills into easy installments, you’re already being smart about your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Pair it with smart password habits, and you’ll keep your financial future (and your peace of mind) even more secure, whether you&#8217;re using your <a href="https://www.atome.ph/blog/atome-card-internationally" target="_blank" rel="noreferrer noopener">Atome Card to shop internationally</a> or at your favorite local eCommerce.</p>



<p>Across the Asia Pacific, users lost <strong>millions </strong>to identity fraud in 2024 alone—and most of those cases started with something simple, like a guessed password or a successful <a href="https://www.atome.ph/blog/phishing-tactics-to-avoid" target="_blank" rel="noreferrer noopener">phishing attempt</a>.</p>



<p>Sumsub reported that the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> even saw a <strong>2.77% rise</strong> in fraud cases — proof that no one is really &#8220;too small&#8221; to be a target anymore.</p>



<p><strong>Here&#8217;s what could happen if your password is weak:</strong></p>



<ul class="wp-block-list">
<li>Money stolen from your e-wallet or digital bank</li>



<li>Unauthorized purchases using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card or other <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> services</li>



<li>Hackers opening loans or credit lines under your name</li>



<li>Long, stressful disputes just to recover your accounts</li>



<li>Damage to your credit standing — and your financial future</li>
</ul>



<p><strong>All because of one password.</strong> That&#8217;s why securing your digital life is just as important as making smart spending choices — like using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to manage your purchases wisely and safely.</p>



<h2 class="wp-block-heading">Avoid Weak Passwords to Start Protecting Your Account Today</h2>



<p>Your password is more than just a login. It’s your first line of defense.</p>



<p>In a world where scams, deepfakes, and digital fraud are getting smarter, protecting your personal data is no longer optional. It’s part of being financially smart and digitally empowered.</p>



<p>And that’s exactly what we believe at Atome. If you&#8217;ve experienced an unauthorized transaction on your account, you can contact us by heading to the Me tab in your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, and then tapping Contact Us under the Support subheading.</p>



<p>When you make smarter money moves, like using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to split big payments safely or protecting your account with strong passwords, you’re not just spending wisely. You’re owning your future.</p>
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Is Your Password Weak? Here’s Why It Costs You


<p>More Filipinos are leaving their wallets at home. No, this isn&#8217;t an epidemic of forgetfulness. Cold hard cash? That might be a thing of the past.</p>



<p>Digital wallets, tap-to-pay, <a href="https://www.atome.ph/blog/what-is-a-pay-later-card">paylater cards</a>, and QR Ph transactions are emerging payment methods pushing cash further into extinction. Even the Bangko Sentral ng Pilipinas (BSP) aims for cashless payments to become the norm, recently mentioning that they&#8217;re eyeing the country to become a &#8220;<a href="https://business.inquirer.net/501621/bsp-eyes-ph-shift-to-coin-lite-society" target="_blank" rel="noreferrer noopener nofollow">coin lite society.</a>&#8220;</p>



<p>Why the rush? How have cashless payments developed such hype? The answers may be more relevant to you than you realize. As more Filipinos ride the wave of changing <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> methods, let&#8217;s explore the key reasons why so many are drawn to cashless payments.</p>



<h2 class="wp-block-heading">5 Reasons Why Filipinos are Embracing Cashless Payments</h2>



<p>Cashless payments aren’t just a trend, it’s a practical response to modern consumer needs. Here are some of the biggest reasons why Filipinos are switching to cashless transactions:</p>



<h3 class="wp-block-heading"><strong>It&#8217;s more convenient</strong></h3>



<p>Let&#8217;s face it: Loose change can get pretty heavy. Coins in pockets jangle and often announce your presence, probably more than you&#8217;d like.</p>



<p>Whether you’re shopping online, paying for a ride, or splitting the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> at dinner, cashless transactions make everything faster and easier. Digital wallets and tap-to-pay cards, like the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, make the process much easier. No more last-minute ATM withdrawals or worry about carrying out the exact change!</p>



<h3 class="wp-block-heading"><strong>It&#8217;s more secure</strong></h3>



<ol start="2" class="wp-block-list"></ol>



<p>Carrying large amounts of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> is risky. With cashless payments, your money is protected by security features like two-factor authentication, fraud monitoring, and encryption. Whether you’re using a debit card, digital wallet, or Atome Card, these systems help safeguard your finances from theft or loss.</p>



<p>Additionally, lost <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> is gone forever. But a lost card or compromised digital account can often be locked instantly, preventing unauthorized transactions.</p>



<h3 class="wp-block-heading"><strong>It makes you more financially flexible</strong></h3>



<ol start="3" class="wp-block-list"></ol>



<p>Just like the <a href="https://www.atome.ph/blog/buy-now-pay-later-rise?p=1">rise of buy now, pay later in the Philippines</a>, cashless payment options help people manage their money better. Modern financial apps that encourage cashless payments also give users access to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> accounts, loans, scan-to-pay QR Ph features, and a lot more that hard cash simply can&#8217;t.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, for example, allows users to easily split their payments into manageable installments of up to 6 months, allowing them to plan their budgets better. With 0% interest for the first 40 days, it makes it easier for users to manage big-ticket purchases or unexpected expenses.</p>



<h3 class="wp-block-heading"><strong>More merchants are adopting it</strong></h3>



<ol start="4" class="wp-block-list"></ol>



<p>Businesses are adapting to new tech fast, and it isn&#8217;t always the big players. Some startups have made it a point to equip modest <a href="https://www.bworldonline.com/corporate/2022/10/25/482697/growsari-eyes-200000-sari-sari-stores-to-accept-qr-payments-by-2023/" target="_blank" rel="noreferrer noopener nofollow">sari-sari stores</a> with the ability to accept QR Ph payments. The BSP also launched its <a href="https://www.bsp.gov.ph/Pages/InclusiveFinance/PalengQR/PalengQRProgram.aspx" target="_blank" rel="noreferrer noopener nofollow">Paleng-QR Ph Program</a> in 2022 to encourage more merchants to switch to cashless payments.</p>



<p>These developments suggest that cashless payments are being taken more and more seriously by Filipinos nationwide across a spectrum of industries. It also means that cashless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> is becoming a viable mode of payment for <a href="https://www.atome.ph/blog/top-benefits-of-utilizing-atome-card-for-your-everyday-expenses">everyday expenses</a>.</p>



<h3 class="wp-block-heading"><strong>More people own smartphones</strong></h3>



<ol start="5" class="wp-block-list"></ol>



<p>The increasing affordability of smartphones and wider internet coverage have made digital transactions more accessible. With 5G expansion and cost-effective mobile data plans, more Filipinos than ever have access to banking apps, e-wallets, and fintech solutions. Now, almost anyone can apply for a digital wallet with virtual cards that they can regularly use to improve their daily life.</p>



<h2 class="wp-block-heading">What&#8217;s Next for Cashless Payments in the Philippines?</h2>



<p>There&#8217;s a reason why recent statistics have shown that card payments were projected to climb beyond <a href="https://www.statista.com/statistics/1303309/philippines-card-payment-transaction-value/" target="_blank" rel="noreferrer noopener nofollow">₱3.4 trillion</a> after 2024, showing consistent increases in the past five years.</p>



<p>With the rise of digital wallets, QR Ph transactions, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> options like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, the cashless revolution is only just beginning. As businesses continue to digitize and more consumers embrace these solutions, cash usage will likely decline further.</p>



<p>However, challenges remain. A recent <a href="https://www.bsp.gov.ph/Sites/researchsite/Publications/BSP-Discussion-Papers/DP202309.pdf" target="_blank" rel="noreferrer noopener nofollow">BSP discussion paper</a> cited access disparities, cultural factors, and consumer habits and preferences being hurdles to overcome in making digital payments the norm.</p>



<h2 class="wp-block-heading">Try Cashless Payments with Atome Card</h2>



<p>The shift to cashless payments isn’t just about fancy tech—it’s about making life a little easier for everyone. From quicker checkouts to safer transactions, Filipinos are embracing digital payments because they work. And as more businesses get on board and technology becomes more accessible, this cash-lite future feels less like a distant possibility and more like an everyday reality. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Cash</a> may still have a place, but there’s no denying it. Things are changing, and they’re changing fast.</p>



<p>Atome&#8217;s mission is to empower this generation with access to leading financial tools that help them realize their goals. Cashless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, whether it&#8217;s through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> or QR Ph, are a gateway to better control over your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Want to enjoy smarter, hassle-free spending? Apply for an Atome Card today and experience the future of payments! 🚀</p>
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5 Reasons Why More Filipinos are Embracing Cashless Payments


<p>Are you a freelancer? Or do you have your own side hustle? According to recent reports, about <a href="https://www.abs-cbn.com/business/2024/9/27/more-pinoys-getting-side-hustles-amid-growing-needs-survey-1411#:~:text=The%20study%20showed%20that%20this%20year%2C%2073%20percent%20of%20Filipinos%20said%20they%20are%20managing%20their%20resources%20to%20make%20both%20ends%20meet%20but%20that%20may%20entail%20some%20extra%20work." target="_blank" rel="noreferrer noopener nofollow">73% of Filipinos</a> have taken on side hustles to boost their income. They join the growing number of freelancers—about <a href="https://www.pna.gov.ph/articles/1128231#:~:text=Filipino%20freelancers%20are%20currently%20pegged%20at%201.5%20million%20and%20this%20figure%20is%20expected%20to%20balloon%20in%20the%20next%20years%2C%20especially%20with%20the%20employment%20landscape%20brought%20by%20the%20on%2Dgoing%20pandemic." target="_blank" rel="noreferrer noopener nofollow">1.5 million</a>—who have decided to pursue financial freedom on their own terms and earn money outside of traditional employment.</p>



<p>But whether you&#8217;re a full-time freelancer or juggling a side hustle, managing irregular income can be tricky. Unpredictable earnings, lack of employee benefits, and inconsistent expenses can throw your budget off balance. The good news? It’s not impossible to stay on top of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> while freelancing or running a side hustle.</p>



<p>Here are finance tips that you—either as a freelancer, side hustler, or running your own small business—can try to manage your income more confidently. </p>



<h2 class="wp-block-heading">7 Budgeting Tips for Side Hustlers &amp; Freelancers</h2>



<p>As a freelancer, you know that work comes with its ups and downs. One day you’re cashing in on a bunch of gigs, and the next you’re wondering how you’ll cover your monthly expenses. This inconsistency makes planning ahead a must.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">Budgeting</a> on an irregular income might seem daunting, but it really comes down to flexibility and smart planning.</p>



<h3 class="wp-block-heading">1. Track your spending</h3>



<p>You can&#8217;t budget what you don&#8217;t know you have. When you track your expenses, you have an objective idea of where you money <em>actually </em>goes, whether it&#8217;s food, transport, or subscriptions, to name a few. As someone whose income may be unpredictable, keeping a close eye on how your money moves will help you decide how to adjust your financial habits.</p>



<p>There are countless apps out there to help you track your spending. It would also help to use an app that does it automatically for you, such as the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, to help you see where and when you spent an amount, without relying on your memory.</p>



<h3 class="wp-block-heading">2. Build your budget based on your lowest income month</h3>



<p>Most people budget based on their average earnings, but for freelancers, this approach can be risky. A more effective strategy is to budget based on your lowest income month.</p>



<p>Look at your past six months of earnings and identify the lowest amount you made in a single month. That&#8217;ll be your baseline. Now when you budget, you&#8217;ll always be aware and prepared for the worst-case scenario. Anything extra can go toward savings or investments.</p>



<p>If you ever experience a slow month and need to spend for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> like groceries, transportation, or work-related tools, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> can help by letting you <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> with 0% interest for up to 40 days. This gives you breathing room to manage expenses without immediately draining your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow.</p>



<h3 class="wp-block-heading">3. Separate your freelancer and personal finance accounts</h3>



<p>Plenty of freelancers and self-employed professionals often struggle with financial clarity because they mix personal and business funds. </p>



<p>To stay organized, set up three separate accounts: one for earnings, another for business expenses and taxes (where you set aside a percentage of every <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>), and a third for savings and emergencies. This system makes it easier to track your profits, expenses, and tax obligations.</p>



<h3 class="wp-block-heading">4. Prioritize yourself</h3>



<p>Freelancers often pay their bills and expenses first, saving only what’s left. But many soon find that this approach isn’t sustainable. When you pay yourself first—setting aside money for personal <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a>—you’re investing in your future.</p>



<p>A good rule of thumb is to save at least 20% of every payment you receive. To make this habit easier, automate transfers to your savings or emergency fund whenever you get paid.</p>



<p>Since freelance income fluctuates, save more during high-earning months. If you ever find yourself in a tight spot, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> options let you break down payments into 3-6 months, keeping your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> intact while covering necessary expenses.</p>



<h3 class="wp-block-heading">5. Use a PayLater card for big purchases</h3>



<p>Freelancers and side hustlers often need to invest in business tools like a laptop, camera, or software subscriptions, but paying in full can strain your finances. Instead of spending a large amount at once, use Atome Card to split purchases into 3-6 month installments. It&#8217;s one of the most worthwhile finance <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> to follow because <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> cards keep your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow stable while allowing you to invest in your business.</p>



<p>For example, if you need a new camera set up for your TikTok side hustle but don’t want to pay ₱3,000 upfront, you can break it into three monthly and manageable payments with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card. This small adjustment to your spending can unlock massive opportunities for how you allocate your money.</p>



<h3 class="wp-block-heading">6. Time your spending around payment cycles</h3>



<p>Since clients and freelance work online platforms pay at different times, it’s important to time your expenses accordingly. List your expected payout dates and schedule big expenses after payday to prevent cash shortages. If you have bills due before you get paid, Atome Card’s 0% interest period can help you cover them without penalties.</p>



<p>For example, suppose your side hustle income arrives every 15th and 30th but your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> is due on the 10th, you can use your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to pay now and settle later—interest-free. This allows you to manage expenses without stress.</p>



<h3 class="wp-block-heading">7. Invest in upskilling as a freelancer</h3>



<p>You are your most important asset. Any amount you spend on learning a new skill will always be worth it. But—and there&#8217;s a big caveat—it isn&#8217;t always cheap. Online courses, books, and new apps can quickly throw off your monthly or weekly budget.</p>



<p>To avoid this, you can create an Upskilling budget. You can start saving as little as 10% of your income on it. It&#8217;s best for the money here to invest in purchases that have a clear return on investment; if you&#8217;re in the creative field, for example, a faster laptop would be a huge upgrade.</p>



<p>If the cost of an important investment is too high upfront, Atome Card’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> option makes it easier to spread out payments so you don’t have to sacrifice other financial priorities. For instance, if you plan to enroll in a ₱10,000 online course to level up your skills, you can use Atome Card to break it into 3-6 payments while still gaining immediate access to the training.</p>



<h2 class="wp-block-heading">Leverage the Power of Atome Card as a Freelancer or Side Hustler</h2>



<p>Whether you&#8217;re a freelancer or you&#8217;ve got a side hustle, managing your money is about progress, not perfection. A proactive attitude helps improve your money habits and create a financial system that works for you—even on unpredictable days. The goal is scalability, stress reduction, and empowerment. While freelancing or side hustling may be challenging at times, don&#8217;t forget what&#8217;s important to you: your dreams and passions.</p>



<p>For even more tips, check out our YouTube video on <a href="https://www.youtube.com/watch?v=Pl8WjDRYnHM" target="_blank" rel="noreferrer noopener nofollow">5 tips for maximizing your Atome Card</a> as a freelancer.</p>



<p>The best part? Atome Card makes financial flexibility easier. You won&#8217;t need a minimum income to apply and get approved. All you need is a valid ID. So stay savvy, keep hustling, and here&#8217;s to your financial freedom!</p>



<p></p>
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7 Budgeting Tips for Side Hustlers & Freelancers


<p>Staying on top of the latest fraud attacks helps to keep your accounts secure and your mind at peace. One method that&#8217;s gaining popularity is phishing. </p>



<p>In 2024, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> recorded the <a href="https://fintechnews.ph/64749/fintech/philippines-recorded-highest-numbers-for-phishing-attacks/" target="_blank" rel="noreferrer noopener nofollow">highest number of phishing attacks</a>. With the rise of artificial intelligence (AI), phishing scams are becoming more sophisticated. Although reports have revolved around Philippine enterprises needing to protect against waves of <a href="https://business.inquirer.net/499971/ph-firms-must-brace-for-ai-powered-attacks" target="_blank" rel="noreferrer noopener nofollow">AI-powered phishing </a>attacks, it&#8217;s just as important to remain cautious as a consumer.</p>



<p>What can you do to stay safe? This article offers practical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> for staying safe against phishing attacks. But before that, it&#8217;s good to first define phishing.</p>



<h2 class="wp-block-heading">What is Phishing?</h2>



<p>Phishing is a type of online fraud where scammers pretend to be legitimate companies to trick people into revealing sensitive information, such as passwords, OTPs (one-time passwords), or card details. This is usually done through fake emails, text messages, phone calls, or even fraudulent websites that look identical to real ones.</p>



<p>Phishing is a growing problem in the Philippines, with scammers constantly finding new ways to deceive users.</p>



<h2 class="wp-block-heading"><strong>4 Common Phishing Tactics to Watch Out For</strong></h2>



<p>Scammers use different methods in their phishing attacks, meaning a broad knowledge of their tactics is the best place to start. Here are some of the most common tactics:</p>



<h3 class="wp-block-heading"><strong>Fake emails</strong></h3>



<p>The most popular form of phishing is through email. Cybercriminals build and design their emails to look like just another promotional alert from a company you might have an account with, like Netflix or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card. To someone in a hurry or flipping through their inbox, these emails appear legitimate. The truth is that the links in the email can install dangerous malware onto the recipient&#8217;s device without them noticing. This compromises personal data and sensitive documents.</p>



<h3 class="wp-block-heading"><strong>Spoofed websites</strong></h3>



<p>Often tied to email phishing attempts, fake websites are a channel for cybercriminals to receive user data unassumingly. These typically appear like login pages as a way to easily surrender your sensitive credentials. A closer inspection would often reveal that the website isn&#8217;t trustworthy at all: wrong spellings/grammar, a slightly modified domain name, and a lack of a padlock icon on the web browser are red flags that you&#8217;re visiting a spoofed site.</p>



<h3 class="wp-block-heading"><strong>Social Media Scams</strong></h3>



<p>Scammers create fake giveaways, and exclusive deals, or even impersonate official customer service accounts to deceive users. They may ask for personal details, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> information, or trick you into clicking malicious links that steal your credentials. Always verify official pages, and never share sensitive information in response to messages or comments on social media.</p>



<h3 class="wp-block-heading"><strong>Phone Call Scams (Vishing)</strong></h3>



<p>Cybercriminals may call you while posing as customer service representatives from various companies. This is known as &#8220;vishing,&#8221; which the <a href="https://pia.gov.ph/ntc-warns-public-against-phishing-vishing-scams/" target="_blank" rel="noreferrer noopener nofollow">National Telecommnications Commission (NTC)</a> has warned Filipinos about. They may claim to have an urgent problem with your account. This approach is meant to elicit a sense of panic, insisting on immediate action. They&#8217;ll typically ask for sensitive details such as your password or answers to your security questions to &#8220;resolve&#8221; this &#8220;urgent&#8221; problem.</p>



<p>In reality, legitimate companies will never do this.</p>



<h2 class="wp-block-heading"><strong>How to Identify a Phishing Attempt</strong></h2>



<p>Every type of phishing attack shares some similarities you can learn to spot. Here are a few traits to keep an eye out for:</p>



<h3 class="wp-block-heading"><strong>Double-check the link or email address</strong></h3>



<p>Look for misspelled domain names, unusual sender addresses, or links that don’t match the ones indicated on the official website.</p>



<h3 class="wp-block-heading"><strong>Notice the language</strong></h3>



<p>Scammers often use threatening and fear-provoking language, saying things like, “Your account will be locked if you don’t take action now!” Although other businesses may also emphasize the urgency of certain things, like limited-time promotions or security alerts, they would do so with a more appropriate approach.</p>



<h3 class="wp-block-heading"><strong>Spot if they&#8217;re requesting personal information</strong></h3>



<p>Legitimate and trustworthy financial businesses will never ask you to share your personal information through common channels, such as email, SMS, or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> calls. They won&#8217;t do this for your OTPs either. Atome will never ask for your password, OTP, or card details via email or SMS.</p>



<h3 class="wp-block-heading"><strong>Consider their payment request</strong></h3>



<p>Unusual payment requests are often a dead giveaway that a phishing attempt is happening. What&#8217;s an unusual payment request? For example, if they&#8217;re asking you to make a payment <em>immediately</em> or through a bank transfer—that would be a little weird, wouldn&#8217;t it? In these cases, it&#8217;s better to avoid the situation and report it for your protection and the protection of others.</p>



<h2 class="wp-block-heading"><strong>How to Protect Yourself from Phishing Scams</strong></h2>



<p>Here&#8217;s what to do in case you&#8217;ve just been the victim of a phishing or fraud attempt:</p>



<ul class="wp-block-list">
<li><strong>Verify links before clicking them</strong>: Hover over links to see where they lead before clicking. If the website appears to be a jumble of letters and characters, it could lead you to somewhere dangerous. You can also Google email addresses to check their validity.</li>



<li><strong>Use Two-Factor Authentication (2FA): </strong>Adding an extra layer of security makes it harder for scammers to access your account.</li>



<li><strong>Keep your devices secure: </strong>Regularly update your software and use antivirus protection to prevent malware attacks.</li>



<li><strong>Enable transaction notifications: </strong>Get real-time alerts every time your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> is used to quickly spot unauthorized <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>.</li>



<li><strong>Report it: </strong>You can send a phishing attempt report to Atome’s customer support at <a href="mailto:support@atome.ph">support@atome.ph</a>.</li>
</ul>



<h3 class="wp-block-heading">Stay Alert, Stay Safe</h3>



<p>Phishing scams are a serious threat, but by staying informed and cautious, you can protect yourself from fraud. Always verify emails, avoid clicking on suspicious links, and never share personal details with unknown sources. If you ever receive a suspicious email or SMS claiming to be from <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>, report it immediately to <a href="mailto:support@atome.ph">support@atome.ph</a>.</p>



<p>By taking these precautions, you can enjoy the convenience of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card without worrying about cybercriminals. Stay vigilant, stay safe, and shop with confidence!</p>
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4 Common Phishing Tactics to Understand and Avoid


<p>Don&#8217;t get it wrong. &#8220;Affordable&#8221; doesn&#8217;t mean you&#8217;re sacrificing quality. It&#8217;s the opposite, in fact. Some of the most memorable date ideas are born when creativity and thoughtfulness are the focus, rather than having a big budget. </p>



<p>Date ideas don&#8217;t always need 4-digit price tags. Don&#8217;t believe it? That&#8217;s what this <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> is about!</p>



<p>Whether it’s your first date, a spontaneous date night, or a special <a href="https://www.britannica.com/topic/Valentines-Day" rel="nofollow">Valentine’s Day</a> date, the key is making the experience feel special without causing financial strain. If you&#8217;re looking for fresh date ideas, this guide will help you create magical moments without overspending.</p>



<h2 class="wp-block-heading">5 Affordable Date Ideas That Feel Luxurious</h2>



<p>These romantic date ideas will impress your partner while keeping your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> in check. Try one (or all) of them and make your next date night unforgettable.</p>



<h3 class="wp-block-heading">1. Enjoy a wholesome, home-cooked meal</h3>



<ol start="1" class="wp-block-list"></ol>



<p>There’s something undeniably romantic about cooking together, isn&#8217;t there? A home-cooked meal brings warmth, nostalgia, and intimacy that you can&#8217;t find in any restaurant, no matter how fancy shmancy it is.</p>



<p>Prepare each other&#8217;s favorite dish or try a new recipe together. The experience of creating a meal as a couple is priceless, making it an ideal date night if you both want to stay inside.</p>



<h3 class="wp-block-heading">2. Travel—but not far</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Expensive plane tickets and packed itineraries aren&#8217;t what we&#8217;re talking about. A staycation in a nearby <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/hotel/page/1">hotel</a> or rented home can give you the feeling of an escape—without needing to go beyond your budget. This date idea works for just about any romantic occasion, which is why you&#8217;re bound to find it in many Valentine&#8217;s Day date ideas lists. You can save this romantic date idea for another time, like your anniversary or to celebrate milestones together.</p>



<p>Exploring different neighborhoods or seeing a new side of a city you&#8217;ve always lived in can be just as exciting as traveling abroad.</p>



<h3 class="wp-block-heading">3. Create the gifts yourselves</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Luxury isn’t about price—it’s about meaning. Thoughtful gifts, like a handwritten letter, a scrapbook of your memories, or a DIY project, can hold more sentimental value than store-bought presents. If you want to add a little extra, you can use your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> to shop for meaningful <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/gifts/page/1">gifts</a> in flexible installments. From <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/jewelry/page/1">jewelry</a> to personalized keepsakes, you can surprise your loved one while managing your budget wisely with your <a href="https://www.atome.ph/news/what-is-a-pay-later-card">PayLater card</a>.</p>



<h3 class="wp-block-heading">4. Find adventures in new places</h3>



<ol start="4" class="wp-block-list"></ol>



<p>Exploring new places together strengthens your bond. Instead of an expensive flight, consider taking a road trip to a nearby town or visiting a hidden gem in your city. Popular destinations include a scenic park or quirky museum. You can both look for highly rated cafes around the area to try a new coffee blend. This brief venture outside your routines adds excitement to a day out with your partner, Hearts Day or not.</p>



<h3 class="wp-block-heading">5. Take advantage of the latest deals</h3>



<ol start="5" class="wp-block-list"></ol>



<p>Many brands offer discounts and exclusive deals, especially around Valentine’s Day. With an Atome Card, you can take advantage of special promotions, exclusive discounts from some of the top brands in the country, and flexible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> plans. It&#8217;s the perfect tool you can use to, say, whip up a surprise dinner or book your weekend escape. As a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">PayLater</a> card, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card makes it easier to enjoy these special moments without financial stress.</p>



<h2 class="wp-block-heading"><strong>Make Every Date Special with Atome Card</strong></h2>



<p>A <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/memorable-date/page/1">memorable date</a> night idea doesn’t have to come with a hefty price tag. Homemade dinners, staycations, and visiting new areas together are great romantic date ideas because they allow you to spend more quality time together—which is crucial for a strong and long-lasting relationship. The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card empowers you to make these romantic date ideas even better, especially when it&#8217;s to mark a significant moment like a first date or anniversary. Turn any time with your partner into an unforgettable moment with your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card.</p>



<p>So go ahead—plan that perfect date. Because love isn’t about how much you spend; it’s about how much you care.</p>
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Dine, Travel, and Gift: 5 Romantic Date Ideas on a Budget


<p>Sometimes, life doesn’t wait for payday. Whether it’s an unexpected expense or a splurge you’ve had your eye on for weeks, finding a way to cover the gap without throwing your budget off track can feel tricky.</p>



<p>That’s where a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> card comes in—a modern, flexible payment solution designed to give you more control over your spending.</p>



<p>In this <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a>, we’ll break down what a pay later card is, how it works, and why it’s becoming a popular choice for many. Plus, if you&#8217;re looking for a great example of a pay later card that&#8217;s easy to use and full of benefits, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is exactly what you need.</p>



<h3 class="wp-block-heading">What is a Pay Later Card?</h3>



<p>A pay later card is a financial tool that lets you make purchases now and pay over time, typically through easy installments. It’s designed to offer flexibility and convenience, especially for those who want to manage their <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> without the hassle of traditional credit cards.</p>



<p>You can shop online or in stores, pay for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a>, or even treat yourself to a little splurge, then repay in installments that fit your budget.</p>



<h3 class="wp-block-heading">What Makes Pay Later Cards Different?</h3>



<p>Pay later cards stand out because they’re simple and flexible. Unlike prepaid cards, which require you to load funds before using them, pay later cards give you a spending limit, letting you buy what you need now and pay later in easy installments. It&#8217;s that simple.</p>



<p>Pay later cards tend to be more widely accepted; some <a href="https://www.atome.ph/blog/buy-now-pay-later-rise">buy now, pay later</a> apps are often limited to the provider&#8217;s network of retailers and brands. The flexibility is key, making them an ideal choice for anyone who wants more control over their purchases and payments.</p>



<h3 class="wp-block-heading">How Does a Pay Later Card Work?</h3>



<p>Using a pay later card is simple and straightforward. Once you’re approved for a card like the Atome Card, you’ll get a spending limit, which you can use to make purchases in stores or online—just like a regular debit or credit card. The main difference? Instead of paying everything upfront, you get the option to pay over time in manageable installments.</p>



<p>With Atome Card, when it’s time to pay, you can choose a plan that works for you—whether it’s 3 or 6 months. You even get an interest-free grace period for up to 40 days, which makes it easier to stay within your budget without worrying about interest piling up.</p>



<h3 class="wp-block-heading">3 Benefits of a Pay Later Card</h3>



<p>Pay later cards come with some seriously appealing benefits that make managing your finances easier. Whether it’s about controlling your spending, gaining access to more financial options, or unlocking perks along the way, these cards can change the way you handle your purchases.</p>



<h4 class="wp-block-heading">1. Better control of your finances</h4>



<p>Instead of paying everything upfront, you can break down larger expenses into smaller, more manageable chunks. This means you don’t have to stress about sudden expenses throwing off your financial plans. </p>



<p>For example, if you need to buy something expensive—like a new <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> or laptop—you can spread out the payments over a few months, making it easier to adjust your finances without worry. Plus, the transparency of the repayment schedule helps you plan your spending with confidence.</p>



<h4 class="wp-block-heading">2. Greater financial access</h4>



<p>For many people, especially those who don’t have access to traditional credit cards or have a limited credit history, pay later cards offer an alternative way to manage purchases. </p>



<p>They give you the flexibility to buy what you need, when you need it, without the strict requirements of a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/credit-card/page/1">credit card</a>. Whether it’s groceries, gadgets, or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a>, pay later cards like the Atome Card provide more access to funds. </p>



<p>Plus, with minimal paperwork and fast approvals, these cards can be a game-changer for anyone who might otherwise struggle to get financing. Some pay later cards, like the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, provide a spending limit of up to ₱200,000. The benefit can often change your financial life for the better, considerably increasing your spending power.</p>



<h4 class="wp-block-heading">3. Exclusive financial perks</h4>



<p>Pay later cards often come with added perks that make them even more appealing. For example, many cards offer interest-free periods, so you can pay for your purchases without the added worry of extra charges. </p>



<p>With the Atome Card, you get up to 40 days of 0% interest, which is a huge benefit if you’re managing a tight budget or just want to avoid unnecessary costs. On top of that, pay later cards often offer rewards programs, discounts, and special offers from partnered merchants, helping you stretch your money further. </p>



<p>In the case of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, getting accepted immediately gives you access to <a href="https://www.atome.ph/blog/atome-plus-guide">Atome Plus</a>. This loyalty program allows you to earn Atome Points to spend on exclusive discounts and vouchers from some of the country&#8217;s top brands.</p>



<h3 class="wp-block-heading">How the Atome Card Empowers You</h3>



<p>The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card isn’t just another payment option—it’s a way to take control of your finances, with flexibility and transparency built right in. Whether you’re managing everyday expenses, making a big purchase, or simply looking for a smarter way to pay, Atome gives you the tools to stay on top of your money.</p>



<p>With an easy application process, no hidden fees, and the ability to split your payments interest-free for up to 40 days, Atome offers a unique solution for anyone looking to balance spending and saving. By using the Atome Card, you&#8217;re not just getting a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> method—you’re gaining greater financial freedom.</p>
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What is a PayLater Card?


<p>Life is full of surprises—some good, some not so much. Imagine suddenly facing a hefty medical bill, urgent car repair, or even the loss of your primary source of income. These unexpected moments can be financially draining, especially if you’re unprepared.</p>



<p>This is where an emergency fund comes in. Think of it as your safety net, a dedicated stash of money reserved for life&#8217;s unforeseen expenses. If you don&#8217;t already have one, it&#8217;s a new year&#8217;s resolution worth pursuing to strengthen your financial foundation.</p>



<p>In this guide, we’ll explore why building an emergency fund is crucial, how it differs from regular savings, and practical steps to get started. By the end, you’ll see how <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> can support you in achieving this essential financial goal.</p>



<h2 class="wp-block-heading">What is an Emergency Fund</h2>



<p>Your emergency fund is money you&#8217;ve set aside to cover unexpected expenses. This isn&#8217;t like your regular savings or budget. Instead, this fund is specifically meant for unaccounted situations that require some kind of immediate financial action, like a medical injury or sudden job loss.</p>



<p>The key purpose of an emergency fund is to provide financial stability and peace of mind. It ensures you won’t need to rely on high-interest loans or credit cards when life throws a curveball. By having this safety net, you can handle urgent expenses without derailing your long-term financial goals or daily budget.</p>



<h2 class="wp-block-heading">3 Reasons why you need an emergency fund</h2>



<p>The thing about sudden emergencies is that no one can expect them—but that doesn&#8217;t mean you can&#8217;t anticipate them.</p>



<p>Let’s take a closer look at why building this safety net is essential for your financial well-being and how it can help you navigate unforeseen circumstances with confidence.</p>



<h3 class="wp-block-heading">Your emergency fund helps you avoid debt in crises</h3>



<p>Emergencies often come with hefty price tags, and without a financial cushion, many people turn to high-interest loans or credit cards to make ends meet. While these options can provide immediate relief, they often lead to mounting debt that’s hard to escape.</p>



<p>An emergency fund acts as a financial buffer, allowing you to manage unexpected costs without borrowing money or stressing over repayment.</p>



<h3 class="wp-block-heading">Your emergency fund helps you cover unexpected expenses</h3>



<p>Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/car/page/1">car</a> could break down, your home might need urgent repairs, or you could face a sudden <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/health/page/1">health</a> issue. These expenses don’t wait for payday, and having a specified fund ensures you’re always ready.</p>



<p>Instead of scrambling for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> or putting off essential fixes, you can address the problem right away and move forward with confidence.</p>



<h3 class="wp-block-heading">Your emergency fund helps you stay focused on long-term goals</h3>



<p>An emergency can force you to dip into the savings meant for other goals, like buying a home or traveling. A dedicated fund for emergencies (*<em>cough</em>* an emergency fund <em>*cough*</em>) prevents this from happening.</p>



<p>By keeping your long-term savings intact, you can continue working toward your dreams without interruptions or setbacks caused by unforeseen costs.</p>



<h2 class="wp-block-heading">Savings vs Emergency Fund: What&#8217;s the difference?</h2>



<p>If it&#8217;s money you&#8217;re setting aside, what makes it so different from <a href="https://www.atome.ph/blog/importance-of-savings">regular savings</a>? That&#8217;s a good question. Many first-time fund builders tend to confuse the two. The reality is that each fund serves a unique purpose. Here&#8217;s how they differ.</p>



<h3 class="wp-block-heading">Purpose</h3>



<p>Savings are typically for planned goals, such as a vacation, a new gadget, or a future investment. On the other hand, an emergency fund is exclusively reserved for unexpected, urgent situations, like a medical emergency or job loss.</p>



<p>Think of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> as building toward something exciting, while an emergency fund is your financial armor.</p>



<h3 class="wp-block-heading">Accessibility</h3>



<p>Savings are often kept in accounts or investments that might take time to access or involve penalties for early withdrawal. Emergency funds, however, should be liquid—easy to withdraw at a moment’s notice without any additional costs.</p>



<h3 class="wp-block-heading">Psychological impact</h3>



<p>Using savings for emergencies can feel disheartening; it sets you back from achieving your planned goals. A separate emergency fund prevents this emotional toll, allowing you to stay on track while handling life’s surprises with confidence.</p>



<h2 class="wp-block-heading">3 Tips on How to Build Your Emergency Fund</h2>



<p><a href="https://www.abs-cbn.com/business/08/07/19/how-to-start-an-emergency-fund" rel="nofollow">Starting an emergency fund</a> doesn’t happen overnight, but with a few smart strategies, you can make steady progress toward this important financial goal.</p>



<p>Whether you’re just getting started or looking to grow your fund, these practical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> will guide you on how to save effectively and build a reliable cushion for life’s unpredictable moments.</p>



<h3 class="wp-block-heading">1. Define how much your emergency fund should be</h3>



<p>A good rule of thumb is to save enough to cover 3 to 6 months’ worth of essential expenses. This includes rent, utilities, groceries, transportation, and any other necessary costs.</p>



<p>For a more accurate target, take a closer look at your monthly budget and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/lifestyle/page/1">lifestyle</a>. If your income is irregular or your responsibilities are high, consider saving more to create a stronger safety net.</p>



<h3 class="wp-block-heading">2. Set a monthly savings goal</h3>



<p>Break your emergency fund target into smaller, manageable chunks. For example, if you need ₱60,000 and aim to save it within a year, you’ll need to set aside ₱5,000 each month.</p>



<p>Automate this process by scheduling monthly transfers to a dedicated emergency fund account. Consistent, small contributions add up quickly and make the goal less overwhelming.</p>



<h3 class="wp-block-heading">Cut-back on non-essential expenses</h3>



<p>Review your spending habits and identify areas where you can cut back temporarily. This could mean skipping a few takeout meals, canceling unused subscriptions, or finding budget-friendly alternatives for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/entertainment/page/1">entertainment</a>.</p>



<p>When you redirect even a small amount from non-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> to your emergency fund, you accelerate your progress significantly.</p>



<h2 class="wp-block-heading">How Atome Card Helps You with Your Emergency Fund</h2>



<p>Building your fund can feel daunting, especially when you&#8217;re trying to balance daily expenses with long-term savings goals. That’s where Atome Card can make a difference. As part of the <a href="https://www.atome.ph/blog/buy-now-pay-later-rise">rise of buy now, pay later</a> services in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, Atome Card increases your spending power to help cover these unexpected scenarios.</p>



<p>With <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card’s flexible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> options, you can manage unexpected costs without dipping too deep into the money you&#8217;ve set aside for goals.</p>



<p>Whether it&#8217;s a medical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a>, car repair, or urgent home improvement, Atome Card allows you to split payments into easy installments—either 3 or 6 months—with zero interest for the first 40 days. This flexibility helps you manage large, unexpected expenses while keeping your emergency fund intact.</p>



<p>Additionally, using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card can help you build better financial habits. By staying on top of your payment schedule and using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card responsibly, you’ll develop a more disciplined approach to managing your money. This can free up even more resources for your emergency fund, ensuring you’re always prepared for whatever comes your way.</p>
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Emergency Fund 101: Why Every Filipino Should Have One


<p>According to <a href="https://www.philstar.com/lifestyle/health-and-family/2024/01/12/2306334/study-says-people-most-likely-give-new-years-resolutions-january-19-psychologist-gives-tips">a report,</a> most people will give up on their New Year’s resolution just 19 days into the year. That’s not the most reassuring thought if building your financial foundation depends on playing the long game.</p>



<p>But here’s the good news: setting realistic, actionable financial resolutions can make all the difference. Whether it’s saving for the future, tackling unexpected expenses, or simply taking control of your money, you can create goals that stick—and start 2025 on the right foot.</p>



<p>In this article, we’ll share five practical New Year’s resolutions to help you strengthen your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> in 2025. Let’s get started!</p>



<h2 class="wp-block-heading"><strong>5 Financial New Year’s Resolutions to Consider in 2025</strong></h2>



<p>If you’re ready to make 2025 the year you take control of your finances, these five resolutions are a great place to start. Where many people go wrong with their New Year’s resolutions is by setting goals that are too large in scale. They don’t have to be.</p>



<p>The simpler and more meaningful, the better. Let’s break down some resolutions to consider:</p>



<h3 class="wp-block-heading"><strong>1. Start setting aside your emergency fund</strong></h3>



<p>A report from the <a href="https://www.bcg.com/publications/2024/southeast-asia-the-filipino-dream">Boston Consulting Group (BCG)</a> outlines what makes the Filipino Dream. The dream that ranked the highest? Financial security to overcome <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/health/page/1">health</a> crises.</p>



<p>The reality is that many families are just one medical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> away from financial ruin. That’s why being intentional about building your emergency fund is crucial. It might even be the most important resolution you’ll make because of how much it can help you in the long run.</p>



<p>Start small if needed—saving even a portion of your monthly income can add up over time. An emergency fund of at least three to six months&#8217; worth of household expenses should be enough to handle most unforeseen situations. Aside from medical costs, you can also use it for other emergencies, like repairing your laptop or buying new tires.</p>



<h3 class="wp-block-heading"><strong>2. Set a savings goal with a purpose</strong></h3>



<p>Setting <a href="https://www.atome.ph/blog/importance-of-savings">a savings goal</a> isn’t just about putting money aside—it’s about having a clear purpose and reason for saving. Maybe you’re saving for a down payment on a house, a dream vacation, or further <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/education/page/1">education</a>. When the reason behind your savings has real meaning to you, you’re more likely to stay motivated to reach it.</p>



<p>Start by defining a specific, measurable goal, and then break it down into smaller, manageable steps. Whether you aim to save a certain amount each month or allocate a percentage of your income, consistent progress will help you stay on track.</p>



<h3 class="wp-block-heading"><strong>3. Pilot a budget for a few weeks</strong></h3>



<p>Your budget today won’t be the budget you have in the coming months. Life happens—unexpected medical expenses or income changes can always pop up.</p>



<p>Instead of sticking to the traditional annual budget that can feel overwhelming, try piloting a budget every quarter. This allows you to reassess your financial goals and spending habits every three months, making it easier to adapt to changes in your life or finances.</p>



<p>By evaluating your budget quarterly, you’ll see what’s working and adjust accordingly—whether that means cutting back on non-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a>, boosting your savings, or tweaking your spending. This flexibility ensures that you’re always in control of your finances.</p>



<h3 class="wp-block-heading"><strong>4. Take managing your money seriously</strong></h3>



<p>Managing your money isn’t just about keeping track of bills or paying off debts—it’s about making conscious choices that align with your goals. When you take your finances seriously, it means reviewing your income, spending habits, and savings regularly to ensure you&#8217;re on track.</p>



<p>This year, prioritize learning more about personal finance. Whether it’s reading books, following financial experts, or using <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> apps, investing time in understanding your money will pay off in the long run.</p>



<h3 class="wp-block-heading"><strong>5. Become a smarter shopper</strong></h3>



<p>This doesn’t mean you have to cut out all indulgences. Instead, it’s about making intentional purchases that align with your financial goals and budget. While last year you might’ve been more comfortable with impulse buys, this year, take a different approach.</p>



<p>Before making a purchase, ask yourself if it’s truly necessary or if there’s a more affordable option. This mindset helps prevent impulse spending and keeps your budget on track.</p>



<p>Additionally, taking advantage of deals and offers can stretch your budget further. For example, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a> Card to <a href="https://www.atome.ph/blog/shop-and-budget-pay-later">pay later</a> and split purchases into 3-6 month installments lets you buy what you need without straining your wallet.</p>



<p>Over time, these small adjustments can lead to significant savings. By becoming a smarter shopper, you’re not only saving money but also taking steps toward financial freedom.</p>



<h2 class="wp-block-heading"><strong>Make 2025 Better with Atome Card</strong></h2>



<p>As you work toward your financial resolutions, remember that consistency is key. With the right mindset and tools, you can make 2025 your most financially successful year yet. Whether you’re building your emergency fund, setting clear <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> goals, or becoming a smarter shopper, taking actionable steps will get you closer to your dreams.</p>



<p><a href="https://www.atome.ph/atome-card">Atome Card</a> is here to help make those steps easier. With its flexible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> options, spending limit up to ₱200,000, and simple budgeting tools, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> can support you in achieving your financial goals without the added stress.</p>



<p>Here’s to a new year of financial empowerment, growth, and success!</p>
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5 Financial New Year’s Resolutions to Aim for in 2025


<p><strong>A recent report from the Bangko Sentral ng Pilipinas</strong> noted that only <a href="https://www.bsp.gov.ph/SitePages/MediaAndResearch/MediaDisp.aspx?ItemId=7139#:~:text=In%20Q2%202024%2C%2024.6%20percent,33.5%20percent%20in%20Q1%202024.">31.4% of Filipino households</a> maintained their savings in the first months of 2024. With prices rising and the economy becoming more unpredictable, it&#8217;s worth remembering why building your savings is crucial to your financial future—no matter how small you start.</p>



<p>This short guide outlines key points to consider when working towards building your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a>.</p>



<h2 class="wp-block-heading">Why You Need Personal Savings</h2>



<p>Personal savings aren’t just nice to have—they allow you to spend on what you want without limiting funds set aside for what you need. Take a look at the benefits you could enjoy once you’ve built your personal savings.</p>



<h3 class="wp-block-heading">It helps you buy what you truly want</h3>



<p>Your savings enable you to buy things without relying on borrowed money. Whether it’s the new gadget you’ve been eyeing, a well-deserved vacation, or a down payment for your dream home, savings empower you to invest in what truly matters to you. It also prevents you from incurring more debt, allowing you to enjoy what you love without the financial strain.</p>



<h3 class="wp-block-heading">It builds your financial discipline</h3>



<p>Setting aside a portion of your income regularly helps you develop <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/healthy/page/1">healthy</a> financial habits that can last a lifetime. Over time, these habits lead to better <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a>, reduced impulse buying, and smarter financial decisions.</p>



<p>The more disciplined you become, the easier it will be to reach your financial goals.</p>



<h3 class="wp-block-heading">It cushions you from unexpected expenses</h3>



<p>It’s always wise to prepare for the unexpected. Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/car/page/1">car</a> tire might blow out, or your laptop may need replacement—costly expenses that can eat into your budget if you&#8217;ve been looking forward to, say, a vacation or a big-ticket item.</p>



<p>Instead of panicking or resorting to loans, you can handle these challenges confidently, knowing you have a financial buffer.</p>



<p>Now that you understand why savings are necessary, it&#8217;s worth asking: <strong>How do you even get started?</strong></p>



<h2 class="wp-block-heading">4 Ways to Get Started Building Your Savings</h2>



<p>It doesn&#8217;t have to be as daunting as it seems. How do people save thousands of pesos? By setting money aside slowly and regularly. Here’s how to get your savings started:</p>



<h3 class="wp-block-heading">1. Set clear financial goals for yourself</h3>



<p>What are you saving for? Is it an emergency fund or a down <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> on your dream condo? A clear savings goal motivates you to choose long-term vision over short-term wants, encouraging you to develop a savings habit.</p>



<p>It also helps you define actionable steps. Many expenses seem costly until broken down into manageable pieces. Knowing how much you need to set aside monthly makes achieving financial goals much easier.</p>



<h3 class="wp-block-heading">2. Start small with your next income</h3>



<p>You don’t need to save a large amount right away. Starting small is perfectly fine! Even ₱100 or ₱500 from your next paycheck counts.</p>



<p>Your first goal should be to develop the habit. Once you&#8217;re comfortable setting aside a portion of your earnings, you can gradually increase how much you save. The key is consistency—over time, these small contributions will add up significantly.</p>



<p>Saving too large an amount early on might lead you to dip into your savings, which can be discouraging.</p>



<h3 class="wp-block-heading">3. Keep an eye on your expenses</h3>



<p>How will you know if you&#8217;re progressing toward your savings goal? By tracking every transaction. The more data you have on your expenses, the clearer your financial picture will be. This insight helps you gauge how soon you can reach your goal.</p>



<p>Tracking your spending also reveals where you can cut back. For instance, if you realize you’re spending too much on <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/dining/page/1">dining</a> out, you can create a meal plan that costs less, allowing you to save more.</p>



<h3 class="wp-block-heading">4. Take advantage of financial products</h3>



<p>There’s a reason behind the <a href="https://www.atome.ph/blog/buy-now-pay-later-rise">rise of buy now, pay later</a> in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>. Sometimes, you may need to make a purchase without depleting your savings—this is where financial products come in handy.</p>



<p>Consider using high-yield savings accounts or budgeting apps to manage your money better. The <a href="https://www.atome.ph/atome-card">Atome Card</a> is another tool that can complement your savings strategy.<br>With <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, you can split payments into manageable installments, making necessary purchases without draining your savings. This flexibility helps you stay on track while still enjoying life’s necessities and luxuries.</p>



<h2 class="wp-block-heading">It’s Always a Good Time to Save</h2>



<p>Financial independence starts with a solid savings account, and achieving that comes down to your habits. The benefits of saving are clear: it empowers you to make informed financial decisions, prepares you for the unexpected, and allows you to invest in your dreams.</p>



<p>Whether you’re starting or continuing your savings journey, remember—it’s never too late to take control of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. With clear goals, consistent efforts, and a close watch on your spending, you can build your savings successfully.</p>



<p>And don’t forget about the tools that can help you along the way! The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is more than just a convenient payment solution—it’s a valuable asset in your financial toolkit. By letting you split payments into manageable installments, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> helps you maintain your savings while enjoying life’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> and luxuries, all while sticking to your budget.</p>
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