
<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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/memorable-date/page/1">memorable date</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 Atome 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 memorable date 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 pay later 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 Atome Card is exactly what you need.</p>



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



<p>A <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> 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 finances 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 Atome Card, 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 Atome 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/resource/atome-card/page/1">Atome Card</a> isn’t just another payment option—it’s a way to take control of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>, 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a>, and practical steps to get started. By the end, you’ll see how <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card 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 savings 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 Atome 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/resource/atome-card/page/1">Atome Card</a> 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 finances 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>, 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> 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 budgeting 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 savings 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 payment options, spending limit up to ₱200,000, and simple <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> 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 savings.</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 payment 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/">Atome</a> Card, 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/resource/atome-card/page/1">Atome Card</a> is more than just a convenient <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> 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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Why Saving is Important: A Guide for First-Time Savers in the Philippines


<p>Did you know that <a href="https://business.inquirer.net/442034/card-fraud-most-rampant-cybercrime-in-ph">card fraud</a> is rampant in the Philippines? This isn&#8217;t meant to scare you; instead, understanding that fact should help you better understand what it means to be a responsible Atome Card user. One key occurrence to look out for is unauthorized transactions.</p>



<p>According to TransUnion, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> experienced <a href="https://newsroom.transunion.ph/transunion-report-finds-digital-fraud-attempts-fall-18-in-the-philippines-but-rise-80-globally-from-pre-pandemic-levels/">8.7% of all digital fraud attempts globally</a>. Unauthorized transactions are one of the many signs that your card information may have been compromised. It&#8217;s a stressful scenario if that happens. The good news is that you can take action about it.</p>



<p>Become a more proactive and responsible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card user, especially while <a href="https://www.atome.ph/blog/online-shopping-security">shopping online</a>, by reading the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> below.</p>



<h2 class="wp-block-heading">What are Unauthorized Transactions?</h2>



<p>Unauthorized <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> are purchases or charges made to your <a href="https://www.atome.ph/atome-card">Atome Card</a> without your permission. These happen when someone gains access to your card details through illegal means, such as stealing your card information, phishing, or scamming. </p>



<p>Unauthorized transactions, especially small ones, tend to fly under one&#8217;s radar. That&#8217;s why it&#8217;s crucial to monitor your transaction history regularly. These can happen to anyone. When you know how to identify them early, you can safeguard your account and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> better.</p>



<h2 class="wp-block-heading">How to Spot Unauthorized Transactions on Your Atome Card</h2>



<p>The key to protecting yourself from unauthorized transactions is to know what to look for and develop the habits that prevent these occurrences. Follow these points to help you better recognize and spot unauthorized transactions on your Atome Card quicker.</p>



<h3 class="wp-block-heading">Regularly check your Atome Card transaction history</h3>



<p>You won&#8217;t notice suspicious changes in your balance if you don&#8217;t monitor it regularly. The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> makes it easy to keep track of your recent purchases. Look out for any charges that seem unfamiliar or unexpected, even if they are small amounts. Unauthorized transactions often start with small test purchases before escalating to larger amounts.</p>



<p>Make it a habit to log into your account frequently and review all recent transactions. By doing so, you can catch suspicious activities early and take action before further damage is done.</p>



<h3 class="wp-block-heading">Look for unusual spending patterns</h3>



<p>If you notice multiple small transactions from the same merchant, purchases from locations you’ve never been to, or sudden spikes in spending, these could be signs that your card details have been compromised.</p>



<p>Additionally, any transactions occurring at odd hours or involving merchants you don’t recognize should be reviewed immediately. Keeping an eye on your account for these patterns can help you catch fraudulent activity before it worsens.</p>



<h3 class="wp-block-heading">Enable transaction notifications</h3>



<p>As much as you might want to monitor your account at all times, you can&#8217;t expect to be staring at the app for the entire day. You have work to do and people to meet. </p>



<p>This feature sends you real-time alerts every time your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is used. It’s a quick and effective way to ensure you’re immediately aware of all transactions on your account.</p>



<p>If you ever receive a notification about a purchase you didn’t authorize, it’s your first signal to investigate further. Quick action at this stage can help you prevent additional unauthorized transactions.</p>



<h2 class="wp-block-heading">4 Urgent Things to Do When You See Unauthorized Transactions on Your Atome Card</h2>



<p>In the unfortunate circumstance that you don&#8217;t recognize the recent transactions on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, you&#8217;ll need to act fast. Who knows how much access cybercriminals have to your account. Here are the vitual steps to take if you spot unauthorized transactions or malicious activity on your Atome Card.</p>



<h3 class="wp-block-heading">1. Freeze your Atome Card</h3>



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



<p>Once you’ve identified unauthorized transactions, you can temporarily freeze your Atome Card through the app. This prevents any further charges from being made while the issue is under investigation. You can unfreeze your card at any time once the situation has been resolved.</p>



<h3 class="wp-block-heading">2. Contact Atome support</h3>



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



<p>If you notice any unauthorized transactions on your Atome Card, the first step is to contact Atome’s customer support team through <strong>support@<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">atome.ph</a></strong>.</p>



<p>Make sure to provide details about the suspicious transaction, including the date, amount, and merchant involved. The sooner you report it, the faster Atome can investigate and take action to protect your account.</p>



<h3 class="wp-block-heading">3. Monitor your account</h3>



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



<p>After reporting unauthorized transactions, it’s essential to continue monitoring your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card for any additional suspicious activity. Keep an eye on your transaction history and re-enable transaction notifications if you have them turned off. If you notice any other unusual charges, report them immediately to prevent further damage.</p>



<h3 class="wp-block-heading">4. Change your password</h3>



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



<p>In the case of a breach or unauthorized use of your card, it&#8217;s wise to change your Atome account password as an extra layer of security. Make sure to create a strong, unique password to reduce the risk of future incidents. You can also enable two-factor authentication (2FA) if available, for added account protection.</p>



<h2 class="wp-block-heading">Keeping an Eye on Your Atome Card</h2>



<p>Staying vigilant about your Atome Card transactions is key to preventing and addressing unauthorized activity. When you review your transaction history often, enable real-time alerts, and learn to recognize unusual spending patterns, you can better protect yourself against unauthorized transactions and potential fraud.</p>



<p>If you do encounter unauthorized transactions, follow the steps outlined in this guide—contact Atome support, freeze your card, file a dispute, and monitor your account. These actions help protect your financial security and ensure that any suspicious activity is handled swiftly.</p>
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How to Spot and Report Unauthorized Transactions on Your Atome Card


<p>Imagine strolling through your favorite mall or browsing your go-to online store, adding items to your cart without a second thought about immediate payments. That&#8217;s the reality you can live with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> and its <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> feature.&nbsp;</p>



<p>Atome is revolutionizing how Filipinos shop by offering a seamless, interest-free <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> option for the first 40 days.</p>



<p>This <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> post explores how to shop smarter and manage your budget more effectively <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a> Card&#8217;s pay later feature.</p>



<p>Whether buying <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> like groceries or treating yourself to the latest gadgets, we&#8217;ll show you how Atome provides financial flexibility and helps you stay on top of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>.&nbsp;</p>



<p>Let&#8217;s dive in and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/discover/page/1">discover</a> how to make the most of Atome&#8217;s pay later option in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>.</p>



<h2 class="wp-block-heading"><strong>What is Atome Card’s Pay Later Feature?</strong></h2>



<p>Atome&#8217;s pay later feature is designed to make shopping a lot more flexible without the stress of immediate payments. You can make purchases using your Atome Card and spread the cost of the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> over 3 or 6 months. As a bonus perk, you can enjoy a 40-day interest-free period, making repayment and managing your budget even easier.</p>



<h2 class="wp-block-heading"><strong>4 Ways to Shop and Budget with Atome Card Pay Later&nbsp;</strong></h2>



<p>What can you do to budget better with your Atome Card? Take a look at the list below.&nbsp;</p>



<h3 class="wp-block-heading"><strong>1. Plan your purchases</strong></h3>



<p>Impulse buying is a quick way to create financial stress. So before hitting the stores or browsing the next online sale, take some time to make a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> list of your priorities. This helps you focus on what you actually need and avoid the next flashy item with an attractive discount.&nbsp;</p>



<h3 class="wp-block-heading"><strong>2. Understand the difference between your Needs and Wants</strong></h3>



<p>Sometimes, a Want can look like a Need if you crave it enough. But don’t be fooled: trendy items go out of style eventually and you’ll almost always find alternatives that don’t require spending a lot.&nbsp;</p>



<p>So, before you go out with your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, consider what it is you want to buy in the first place and ask yourself: Is it absolutely necessary for you? Suppose you want to change your office chair at home. Is it because you saw a sale on office supplies or is your office chair really broken and ready for replacing?&nbsp;</p>



<p>There’s nothing wrong with treating yourself to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/clothes/page/1">clothes</a>, gadgets, or great food, but those aren’t often urgently necessary. Delaying your gratification with your Atome Card could make the experience a lot more fulfilling once you’re able to hit that sweet Check Out button.</p>



<h3 class="wp-block-heading"><strong>3. Take advantage of promotions and Atome+ vouchers</strong></h3>



<p>Did you know that you don&#8217;t need to pay full price for everything? Atome+ is Atome&#8217;s loyalty program that allows you to buy vouchers for some of your favorite merchants <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a>+ points.&nbsp;</p>



<p>Atome also runs Atome+ campaigns you can join to earn even more exciting rewards. Following Atome on Instagram, Facebook, and TikTok is the best way you can stay updated on these campaigns so you don&#8217;t miss out.&nbsp;</p>



<h3 class="wp-block-heading"><strong>4. Track your spending</strong></h3>



<p>One of the keys to effective <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> is tracking your spending. With <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, it&#8217;s a breeze. You&#8217;ll receive a push notification on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> every time you make a transaction using your Atome Card. These notifications include the amount you spent as well as where you paid. This makes regularly tracking your expenses even easier; now you won&#8217;t have to wonder where your money went.&nbsp;</p>



<p>The great thing about <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card&#8217;s spending limit is that it can work as a budget cap for you too. This makes it easier to avoid overspending when you use your Atome Card frequently; there&#8217;s already a limit, keeping your spending much more controlled.</p>



<h2 class="wp-block-heading"><strong>Expanding Your Shopping Experience with Atome Card</strong></h2>



<p>Shopping on a budget doesn’t have to feel constricting. It can be the opposite, in fact. Responsibly using your Atome Card not only allows you to buy the things you want, like the latest gadgets or trendy <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/outfits/page/1">outfits</a>, but it’ll also help you achieve your financial goals much faster.</p>



<p>That’s where Atome Card truly shines. It helps you balance paying for the items you need without sacrificing the things you want. So, if you haven’t applied for your Atome Card yet, now is your chance! Just scan the QR code on this article to find and apply for your Atome Card through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> today.</p>
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How to Shop and Budget with Atome’s “Pay Later” Feature in the Philippines


<p>Got your Atome Card in hand and ready to hit the Check Out button on your cart?&nbsp;</p>



<p>Wait just a minute.&nbsp;</p>



<p>You&#8217;re going to want to read this first.&nbsp;</p>



<p>With recent reports mentioning the rise in <a href="https://asia.nikkei.com/Business/Retail/Philippines-emerges-as-Asia-s-epicenter-for-online-shopping-scams2">online shopping scams</a> in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, it&#8217;s worth it to take a moment to learn more about how these work and what you can do to ensure a safe online shopping experience with your Atome Card.&nbsp;</p>



<h2 class="wp-block-heading"><strong>4 Online Shopping Risks You Need to be Wary Of</strong></h2>



<p>Whether you&#8217;re a seasoned online shopper or new to the digital marketplace, you should always look out for the following online security risks. </p>



<h3 class="wp-block-heading">1. Fraud</h3>



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



<p>Online fraud is among the most common types of online shopping risks. Data shows that there were over <a href="https://www.statista.com/statistics/1251863/philippines-number-of-online-fraud-cases/#:~:text=In%202023%2C%20there%20were%20over,incidents%20in%20the%20previous%20year.">14,000 online fraud cases in 2023</a> alone.&nbsp;</p>



<p>Online fraud occurs when scammers create fake websites or mimic legitimate ones to steal your payment information. Once they have your details, they can make unauthorized transactions, leading to financial losses and stress. </p>



<h3 class="wp-block-heading">2. Phishing</h3>



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



<p>Phishing scams often come in the form of deceptive emails or messages that appear to be from reputable companies. They trick you into providing personal information, such as your login credentials or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/credit-card/page/1">credit card</a> details. Falling for a phishing scam can compromise your accounts and personal data.</p>



<h3 class="wp-block-heading">3. Data breaches</h3>



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



<p>Even legitimate online stores are not immune to data breaches. Hackers can infiltrate your favorite online store&#8217;s system and steal your data, including payment information and personal details. Such breaches can lead to identity theft and financial fraud, causing long-term damage to your credit and personal security.</p>



<h3 class="wp-block-heading">4. Malicious software</h3>



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



<p>Malware, or malicious software, can infect your computer or mobile device through unsafe websites or downloads. In other words: viruses. Once installed, malware can monitor your online activities, capture keystrokes, and steal sensitive information. This can result in unauthorized access to your accounts and personal data.</p>



<p>By being aware of potential threats and taking proactive measures, you can enjoy the convenience of online shopping without compromising your security.&nbsp;</p>



<p>In the following sections, we&#8217;ll discuss how using your Atome Card can help mitigate these risks and provide you with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> for safe online shopping.</p>



<h2 class="wp-block-heading"><strong>Why Choose Atome Card for Online Shopping?</strong></h2>



<p>When it comes to online shopping, choosing a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> method that prioritizes your security is essential. Atome Card is designed with robust security features to ensure your transactions are safe and protected.&nbsp;</p>



<p>Here’s why <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card stands out as the ideal choice for your online shopping needs:</p>



<h3 class="wp-block-heading">Secure Transactions</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> has a history of cybersecurity expertise that&#8217;s formed the foundation of the company since its beginning. This cybersecurity intelligence has allowed Atome to ensure that every transaction is secure, especially working with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a> and&nbsp; Asia United Bank to provide a global standard in online and offline transactions.</p>



<h3 class="wp-block-heading">Spending Limits and Control</h3>



<p>With Atome Card, you can set spending limits that align with your budget and financial goals. This not only helps you manage your expenses but also adds an extra layer of security by limiting the amount that can be charged in case your card information is compromised.</p>



<h3 class="wp-block-heading">One-Time Password Authentication</h3>



<p>Before any online transaction succeeds, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>&#8217;s back-end systems will send your registered mobile number a one-time password (OTP) to provide you with a layer of security. This allows you and Atome to verify that you are the owner of the card and confirm the transaction.&nbsp;</p>



<p>By choosing Atome Card for your online shopping, you are equipping yourself with a powerful tool that prioritizes your security and financial well-being.&nbsp;</p>



<h2 class="wp-block-heading"><strong>5 Tips for Shopping Online with Your Atome Card Safely</strong></h2>



<p>Using your Atome Card for online shopping is a great way to ensure secure <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, but there are additional steps you can take to protect yourself further.&nbsp;</p>



<h3 class="wp-block-heading">Tip 1: Only shop on trusted websites&nbsp;</h3>



<p>How can you tell whether an online shop is one you can trust? Just check the URL. Secure websites start with &#8220;<a href="https://&#038;#8221" rel="nofollow">https://&#038;#8221</a>; and have a padlock icon in the address bar. These signs indicate that the website uses standard encryption to protect your data.</p>



<h3 class="wp-block-heading">Tip 2: Be careful with who you share your personal information online</h3>



<p>Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> details are for you and you alone. Avoid sharing your Atome Card details via email or over the phone unless you are sure of the recipient&#8217;s legitimacy. Additionally, use strong, unique passwords for your online shopping accounts to prevent anyone from randomly guessing them; consider using a password manager to keep track of them.</p>



<h3 class="wp-block-heading">Tip 3: Monitor your transactions</h3>



<p>Set up transaction alerts so you can be notified of any purchases made with your card. Promptly report any suspicious activity to Atome Card’s customer service to prevent further issues.</p>



<p>Ensure that your push notifications on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> are enabled so you can always be alerted about transactions using your Atome Card.</p>



<h3 class="wp-block-heading">Tip 4: Avoid public Wi-Fi for transactions</h3>



<p>Public Wi-Fi networks are often unsecured and can be a hotbed for hackers looking to steal your information. Avoid making online purchases while connected to public Wi-Fi. Instead, use a secure, private network to ensure your data remains protected.</p>



<h3 class="wp-block-heading">Tip 5: Be Wary of Phishing Scams</h3>



<p>Phishing scams can be tricky to spot but they often have a few dead giveaways. One is the sender&#8217;s email address. If it&#8217;s an official-looking email sent from an @gmail.com email address, it&#8217;s likely not from a legitimate source. Additionally, if it&#8217;s asking you to reply with sensitive personal information, then it&#8217;s like not an official communication.&nbsp;</p>



<p>If you receive these emails, contact customer service immediately to verify their legitimacy and protect your account.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Ensure Enjoyable Online Shopping with Atome Card</strong></h2>



<p>As prevalent as fraud and online scamming has become, you shouldn’t let the fear of that get in the way of you enjoying your Atome Card to the fullest.&nbsp;</p>



<p>Staying safe while shopping online is more important than ever in today’s digital age. By understanding the common risks associated with online <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> and taking proactive steps to protect yourself, you can enjoy the convenience and benefits of online shopping with peace of mind.</p>
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5 Essential Online Shopping Security Tips to Follow 


<p>Two in three Filipinos who have heard of buy now, pay later services have used it in the past year. That’s according to <a href="https://newsroom.transunion.ph/buy-now-pay-later-grows-in-popularity-as-filipinos-desire-greater-access-to-credit-services/#:~:text=Buy%20Now%20Pay%20Later%20sees%20increased%20usage%20among%20Gen%20Z&amp;text=Among%20all%20Filipinos%20who%20said,to%2061%25%20in%20Q1%202023.">a recent TransUnion study</a>. It’s an increase from their previous year’s research of roughly one in two Filipinos.&nbsp;</p>



<p>The statistic is clear: buy now, pay later is a growing wave in the local economy. It’s transformed plenty of traditional <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> from one-off payments into multi-month obligations. It&#8217;s also empowered hundreds of thousands of users nationwide with a spending ability they wouldn’t have had access to.&nbsp;</p>



<p>If you want to remain ahead of the curve or simply educate yourself on the history of buy now, pay later in the Philippines, then keep reading. This article explains how buy now, pay later services grew in the Philippines and the benefits it&#8217;s brought customers along the way.</p>



<h2 class="wp-block-heading"><strong>The Rise of Buy Now Pay Later in the Philippines</strong></h2>



<p>Before buy now, pay later services became popular, Filipinos relied primarily on traditional financing methods. These included credit cards, personal loans, and informal lending. Even then, some of these options were still inaccessible to many.&nbsp;</p>



<p>The underbanked population often struggled to qualify for a loan, let alone a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/credit-card/page/1">credit card</a>. Informal lending would usually have unreasonable interest rates attached to them.&nbsp;</p>



<p>Fortunately, things are changing. Recent numbers from the <a href="https://legacy.senate.gov.ph/publications/SEPO/SEPO_AAG_Financial%20Inclusion%20AAG_final.pdf">Senate Economic Planning Office (SEPO) of the Philippines</a>, the number of underbanked Filipino adults in 2021 reached 34.3 million, a positive change from 51.2 million in 2019.&nbsp;&nbsp;</p>



<p>The rise of buy now, pay later services can easily be a reason why more Filipinos are getting comfortable with money. A study forecasted <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now</a>, pay later sales to surge to over <a href="https://www.bworldonline.com/banking-finance/2023/12/06/561720/bnpl-sales-seen-surging-by-173/">170% in 2024</a>.&nbsp;</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> is a leading brand among buy now, pay later providers in the Philippines. It offers its customers the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, a pay-later card that grants users with spending limits of up to ₱200,000 and the ability to split their card payment into installments of up to 6 months.</p>



<p>But to better appreciate the evident rise in buy now, pay later in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, it&#8217;s crucial to first understand how the model works in the first place.</p>



<h2 class="wp-block-heading"><strong>How Does Buy Now Pay Later Work?&nbsp;</strong></h2>



<p>What makes buy now, pay later services so attractive to Filipino customers? The open secret lies in how it operates. Here are its three main components.</p>



<h3 class="wp-block-heading"><strong>Assessing the user</strong></h3>



<p>When you sign up for buy now, pay later services, they conduct comprehensive checks in the background to determine your creditworthiness and how much spending limit to assign you. These are done to manage the provider&#8217;s risk by assigning you with a certain spending limit, ensuring that you&#8217;re the type of user who can repay it easily.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Financing the purchase</strong></h3>



<p>Once the buy now, pay later provider has accepted your application and assigned you a certain spending limit, you&#8217;re now able to use it for your various purchases.&nbsp;</p>



<p>Suppose there is an item you want to buy, such as an air conditioner for your home. You can think of the buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> service as a short-term <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">loan</a> provider, giving you the money you need to pay for the big ticket item.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Processing the transaction</strong></h3>



<p>This is where the buy now, pay later service shines. While merchants will ask you to pay them for the entirety of the cost of a product, pay-later services will allow you to split the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> into multiple monthly installments. In Atome&#8217;s case, you can split your card&#8217;s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6 easy monthly installments.&nbsp;</p>



<p>Buy now, pay later services will ask you to pay an additional percentage of the installments as interest. However, with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>, if you repay what you owe within 40 days, you won&#8217;t be charged with interest. That&#8217;s why plenty of users use it over others.&nbsp;</p>



<h2 class="wp-block-heading"><strong>3 Benefits of Buy Now Pay Later Services</strong></h2>



<p>Buy now, pay later services are more than just another financial trend. It offers real-world benefits to its approved users. Below are just some of the advantages that users can enjoy.&nbsp;</p>



<h3 class="wp-block-heading"><strong>1. Offers financial flexibility&nbsp;</strong></h3>



<p>Unlike credit cards that may have stringent approval processes and high interest rates, buy now, pay later services such as <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card allow users to make purchases and spread payments over time without incurring interest if paid within a specified period.&nbsp;</p>



<p>This flexibility empowers you to manage their <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow more effectively, making larger purchases feasible without immediate financial strain.</p>



<h3 class="wp-block-heading"><strong>2. Allows you to manage your budget much easier</strong></h3>



<p>This feature is particularly appealing to consumers who prefer predictable payment plans over lump-sum payments. By breaking down payments into smaller chunks over several months, you can budget more effectively, aligning expenditures with their income streams.&nbsp;</p>



<p>This approach not only enhances financial planning but also reduces the likelihood of impulse spending, promoting more responsible financial habits among users.</p>



<h3 class="wp-block-heading"><strong>3. Increases your spending power</strong></h3>



<p>The number of items you buy expands tremendously once you have access to a trustworthy buy now, pay later service such as Atome. Since you can now make repayments over 3 to 6 months, you don&#8217;t have to worry as much about having all the money you need upfront to pay for your wants and, especially, your needs, such as a much-needed grocery trip or an item you need in case of an emergency.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Level Up Your Finances with Atome Card</strong></h2>



<p>The buy now, pay later model is a new way of paying that&#8217;s empowering more and more Filipinos with an assigned spending limit. Its quick rise these recent years indicates an expansive demand among the country&#8217;s population for financial accessibility.&nbsp;</p>



<p>If you&#8217;re interested in joining the growing number of Filipinos taking advantage of this service, consider applying for your own Atome Card today! The process takes 90 seconds and you can be approved instantly! Just scan the QR code to get started.</p>
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The Rise of Buy Now, Pay Later in the Philippines


<p>What was the last item you bought online?&nbsp;</p>



<p>Let’s face it: Everyone shops online. From the trendiest <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/outfits/page/1">outfits</a> and latest gadgets to wellness <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> and groceries, shopping online has brought a world of convenience to modern life. The key that unlocks this superpower is your spending card.&nbsp;</p>



<p>If you’re on the hunt for a new card to shop online with, you’re reading the right article. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is among the best <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> cards you can apply for that empowers you to spend online without breaking the bank.&nbsp;</p>



<p>Continue reading to learn more.</p>



<h2 class="wp-block-heading"><strong>4 Advantages of Using Atome Card for Online Shopping</strong></h2>



<p>It only takes 90 seconds to apply for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>. There’s no minimum income required; all you need is a valid government ID. Once you’re approved—which can take three days or less—you can enjoy the following benefits of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> online with your Atome Card.</p>



<h3 class="wp-block-heading">1. Enjoy flexible payment options</h3>



<p>Found your dream pair of shoes but working on a tight monthly budget? Atome Card has got your back. Thanks to <a href="https://www.atome.ph/blog/installment-plan">Atome Card’s installment plans</a>, you can now stretch your budget further while keeping to responsible spending practices. </p>



<p>After using your Atome Card to pay for your purchases online, you can repay your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> in 3 or 6 months. That means you can spread the cost of your purchases over a longer period in more manageable amounts. This makes managing your budget a lot easier than other card options that don’t offer this feature.</p>



<h3 class="wp-block-heading">2. Shop international brands</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a>; therefore, you can shop at any eCommerce store that allows for Mastercard <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>. Fortunately, it would be difficult to find a store that doesn’t accept Mastercard. Recent data shows that an estimated <a href="https://www.paymentsdive.com/news/mastercard-credit-debit-card-growth-digital-cash-strategy/701871/#:~:text=110%20million%20merchants">110 million merchants</a> worldwide accept Mastercard—that’s a lot of shopping. </p>



<p>That means you don’t have to limit your spending to the stores within your country, but also shop for items from the other side of the globe.</p>



<h3 class="wp-block-heading">3. Feel secure with Atome Card&#8217;s security features</h3>



<p>You’ll be notified whenever you make a purchase online. This feature benefits you for two reasons. The first is that it makes your expense tracking a lot easier. If you have a spreadsheet with your previous expenses or you have a routine where you go over your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>, this feature is going to come in handy. But it has another benefit: security.</p>



<p>Imagine you’re going about your day. You aren’t at your desk at the moment; maybe you’re talking to your friends. Suddenly, you get a notification: There’s been a transaction processed using your Atome Card. If you hadn’t received this notification, you wouldn’t have known that someone else might’ve gotten a hold of your information.&nbsp;</p>



<p>Thanks to the real time notifications of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, you’ll quickly be alerted of such incidents. You can take the proper actions to protect your account, such as locking your digital card and changing your PIN. </p>



<h3 class="wp-block-heading">4. Budget your expenses better</h3>



<p>According to recent government research, many Filipinos tend to <a href="https://www.philstar.com/business/2021/11/01/2138052/pinoys-spend-more-they-earn">spend more than they earn</a>. It’s the source of plenty of their financial struggles. The good news is that you can avoid such a situation. </p>



<p>Your Atome Card’s spending limit helps you maintain your budget and prevents you from overspending if you use your Atome Card exclusively for online shopping. It can be accepted as your hard cap for your online expenses. That way, you won’t even have to think about how much to set aside for your online shopping needs; the automatic spending limit given to you can do it for you.</p>



<h2 class="wp-block-heading"><strong>Atome Card: Your Best Online Shopping Companion&nbsp;</strong></h2>



<p>There’s no question that online shopping is the new norm in commerce. As you continue building your habit of buying products online, you’ll want to consider giving the card that you use an upgrade.&nbsp;</p>



<p>The Atome Card is an excellent companion to have when you want to buy something overseas or manage your budget much better. So, what are you waiting for? If you don’t have your Atome Card yet, scan the QR in this article to apply for one right now.</p>
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