3 Moves to Keep School Expenses in Check All Year Round

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From beating FOMO to making the most out of great deals, these tips can help you manage school expenses effectively no matter the season

The school year is in full swing, and the first wave of expenses has passed. But school costs don’t just disappear, and with household bills and everyday expenses in general, smart strategies need to be paired with reliable financial tools.

Here's how to stay on top of tuition payments, endless school supply shopping, and even everyday baon without feeling too much of a pinch:

●      Beat the ‘FOMO’ trap

New ‘must-have’ items can emerge on social media and can create a feeling of ‘Fear of Missing Out.’ While some trends and hacks can be helpful and fun, prioritize functionality and durability over fleeting trends. Before buying, ask yourself: Do my kids genuinely need this for learning, or am I just feeling pressured to get it?

●      Make use of free public learning resources

Learning can be exciting when it extends beyond the classroom walls, but you don’t have to spend a fortune to give your child new experiences. Several museums in Metro Manila offer free admission, including the National Museum of Fine Arts, the National Museum of Anthropology, and the National Museum of Natural History. In need of a distraction-free environment for homework and research? Check out public libraries, such as the Quezon City Public Library and the National Library of the Philippines, as an alternative to cafes.

●      Explore financial tools and maximize promos

When everything happens all at once and you feel overwhelmed, don't hesitate to tap into reliable digital financial tools to stretch your budget and help you manage your expenses. GCash offers ways to make school expenses more manageable. If you’re eligible, you can use GCredit, a credit line of up to PHP 50,000, which you can use to ease expenses for school supplies and gear. For bigger purchases, GGives provides an installment option of up to PHP 125,000, making essential upgrades like gadgets, electronics, or even tuition fees, lighter on your pocket with up to 24 months to pay.

Apple Preferred 0.9% GGives Interest Rate Promo

Savvy parents know not just the best gear for their kids, but especially how to get the at the best price. Pay for your in-store Apple product purchases with GGives and enjoy a special 0.9% interest when you choose 12 or 24-month installment plans at participating merchants.

This promo is valid with a minimum spend of PHP 15,000 from June 2 to September 12, 2025 at Power Mac Center, The Loop, Beyond the Box, Digital Walker, Open Source by Beyond The Box, Abenson, and ElectroWorld and Automatic Center.

Special freebies and discounts are also up for grabs when you use GGives. Get free Marshall Major headphones when you purchase select iPad or Mac/MacBook Models or get a free Marshall Willen speaker when you purchase an iPhone 16 Pro, iPhone 16 Max or iPhone 16 Pro 16e at Beyond the Box, Digital Walker, and Open Source by Beyond the Box. You can also score a free power bank when you purchase an Apple product from Abenson and get discounts of up to 23% on select Apple products at Power Mac Center and The Loop.

GGives promo is open to GCash users with an active GGives account, who choose GGives as their payment option for their Apple product purchase in-store, and select either 12 months or 24 months to pay.

GCredit Promo

Still need to buy additional school supplies? Use GCredit to buy them now and pay later. A minimum purchase of PHP 500 using GCredit from September 1 to September 30, 2025, at National Book Store, SM Store, or Robinsons Department Store gives you the chance to be one of the 10 lucky parents to win PHP 50,000 in GCash credits—perfect as additional budget for school!

To join the raffle, you must be an eligible GCredit user under CIMB bank with an active GCredit account and use GCredit for school-related transactions in the above-mentioned participating merchants. Every qualifying transaction earns you one e-raffle entry. GCash will draw the winners by September and notify them via official GCash channels and email and/or SMS.

Access GCredit and GGives through your GCash dashboard or find them under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery.

For more details on the GCredit Back-To-School Raffle, visit https://www.google.com/url?q=https://new.gcash.com/promos/gcredit-back-to-school-raffle&sa=D&source=docs&ust=1756959507518865&usg=AOvVaw0S7jaRAg7YWIp8dAJKhqw2

 

Per DTI Fair Trade Permit No. FTEB-235574 Series of 2025.

For more details on the Apple Preferred 0.9% GGives Interest Rate Promo, visit http://new.gcash.com/promos/apple-ggives-09-interest-rate.

Per DTI Fair Trade Permit No. FTEB-226575 Series of 2025.

Be one of 10 winners of 10K daily this Back-to-School season when you Scan-To-Pay with GCash!

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The start of a new school year is just around the corner, and preparations are in full swing. Whether it’s stocking up on school supplies, upgrading gadgets, or purchasing a new set of outfits, GCash is making the Back-To-School season more exciting this year by giving away Php 10,000 to 10 winners daily who Scan to Pay or Pay Later with GGives or GCredit as they get a head start on shopping for the school year ahead.

Have All Your Back-To-School Needs When You Scan-To-Pay or Pay Later with GCash

GCash Scan-To-Pay is a convenient and secure payment method for offline or in-store transactions with your favorite merchants. With GCash Scan-To-Pay, you only need your GCash app to pay for your purchases – saving you time and effort and allowing you more flexibility with your payments.

You can also Shop Now and Pay Later through GCash's borrowing services, GGives and GCredit.

With GGives, you can make big upgrades feel light and easy by breaking down your payments in up to 24 months installment with 0 down payment.

You also don't have to worry about your everyday school supplies because you can use a credit line of up to 50,000 for your immediate needs with GCredit, even if you don't have cash.

How to Join and Spin the Lucky QR

At all merchants where users may Scan-To-Pay with GCash or Pay Later with GCash, users will be rewarded for their transaction and earn one spin per day on the Back-To-School #LuckyQR the next day at 12 NN.

To join:

1. Log in to the GCash app and tap the Back-To-School banner.

2. Select the lucky draw game banner on the main Back-To-School landing page.

3. If you've made a QR payment transaction the previous day, you'll be directed to the lucky draw game page. Spin the wheel and receive a notification with your result and prize details if you win.

4. 10 winners of the Php 10,000 daily prize will receive their reward in their GCash wallet within 14 days. Meanwhile, those who join may also receive consolation e-vouchers in real time which they can use through A+ Rewards platform on the GCash app. Vouchers include discounts for Mobaypay, NBA, Disney+, Spotify, Foodpanda, App Store, and Google Play Store.

#GCashToSchool This Season at All Your Favorite Merchants

This year's Back-To-School season is about to get even more exciting with exciting discounts and deals. Purchase everything you need from school supplies, school-required readings, and more from trusted brands at National Bookstore and enjoy discounts up to Php 300 off with a minimum spend of Php 1,500 in-store.

Heading back to school is always more exciting when you pay with GCash at your favorite restaurants like Auntie Anne's and Angel's Pizza and get great deals. Meanwhile, cop all the season’s best looks and get your back-to-school fits at Penshoppe, Keds, Complex, Merrell, Sperry, Oxgn, Gap, Banana Republic, Old Navy, Forme, Regatta, Bocu and Memo.

A school of surprises await when you #GCashToSchool! Find more exciting offers this Back-To-School season and be one of the lucky winners! Download the GCash app today on the App Store or Google Play Store to join.

Need funds? GCash introduces easy and accessible way to borrow money for different needs

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GCash’s suite of lending products GGives, GLoan, and GCredit aims to provide Filipinos with easy and flexible borrowing terms

Almost 5 out of 10 Filipinos have outstanding loans, according to the Bangko Sentral ng Pilipinas’ (BSP) latest Financial Inclusion Survey in 2021. Of this number, day-to-day expenses, emergencies, and fulfilling financial or life goals are the top three reasons why Filipino adults borrow.

However, only two out of ten Filipinos have access to formal financial services offered by banks and government institutions like the Social Security System (SSS) and Pag-IBIG, with some resorting to borrowing from individuals or lending companies with unfairly high interest rates.

Moreover, BSP notes that 25% of Filipino adults were forced to use up their savings during the pandemic, which means that on top of having to deal with everyday finances, they may not have enough cash to cover emergency expenses.

In line with its goal of making affordable loans accessible to more Filipinos, e-wallet app, GCash introduces new ways for Filipinos to conveniently manage their finances. On top of using the GCash app to pay bills, send money, buy load or pay for online and in-store purchases, users can now easily borrow money in the form of GLoan, GGives, and GCredit.

“We at GCash are working hard to give every Filipino access to fair loans not just to help them meet their basic needs but also empower them to achieve their life goals,” said Zo Canaria, FUSE Lending Growth Marketing Head. “Through GCash’s in-app innovations, we hope to give Filipinos an easy way to fund the lifestyle they deserve and fulfill long-standing goals they were previously unable to achieve due to financial challenges.”

GLoan: Fast-cash loan offering

GLoan, the loan product of GCash, offers instant cash up to P125,000 straight to eligible users’ GCash wallets, which can be used for starting or expanding a business, cover emergency expenses, celebrate special occasions or even to pay for different necessities. Through GLoan, eligible users can borrow from P1,000 to P125,000 as good as cash, with an interest rate of as low as 1.59%.

To borrow, users simply submit their loan application within the app with no additional documents needed and wait for the loan to be reflected straight to their GCash wallet within 24 hours. The loan can then be paid for as low as P265 a month for 5-24 months.

GGives: Light and easy installment plan

Meanwhile, GGives is GCash’ light and flexible installment plan which allows eligible users to purchase big-ticket items and pay for it in up to 24 months. GGives allows eligible users to purchase items amounting up to P125,000 in one transaction and choose their payment terms in installments from 3, 6, 9, or 12 months and up to 24 gives.

GGives can be used for both in-store and online purchase of selected merchants. Unlike other installment products, GGives does not require additional documents during application and does not need an upfront downpayment and processing fees.

GCredit: Always-ready credit line

GCredit, powered by CIMB, is an always-ready credit line by GCash that can be used to pay for select bills, as well as products and services in-store and online. Eligible users can get up to a Php 50,000 credit line that they can use for bills payment, online buys, and in-store QR purchases to cover everyday expenses.

With GCredit, users are only charged based on the number of days they borrow. This prorated interest means users who pay earlier get charged a lower interest. GCredit’s Minimum Amount Due also allows users to pay as low as 15% of their dues on their billing and/or due date.

To be eligible for GLoan, GGives, and GCredit, users must have a fully verified GCash profile and must maintain a qualified GScore, which is the app’s trust rating reflecting their GCash activity. GScore is the primary basis to qualify for GLoan, GGives, GCredit and enjoy benefits such as lowest interest rates and highest credit line or loan amount.

As your GScore is computed based on GCash activity, users must maintain an active GCash wallet balance by cashing in regularly and using different GCash services. For those who are already using any of the GCash borrow products, such as GLoan, GGives or GCredit, they must pay their dues early or on time to maintain their GScore and be eligible for future credit transactions.

Users may access GLoan, GGives and GCredit through the GCash dashboard or find it under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery! Kaya mo, i-GCash mo!