The halfway point of the year offers more than just a calendar milestone—it’s the perfect opportunity to take stock of your finances.
Just as people reassess their careers, health, and personal goals, it also pays to review the way they save, spend, and plan for the future. Financial goals evolve as life changes, and the best money habits are those that adapt along the way.
Whether you’re looking to recover from unexpected expenses, build better savings habits, or simply make your money work harder, these five practical strategies—powered by Maya, the country’s #1 Digital Bank and leading all-in-one fintech platform—can help you finish 2026 on a stronger financial footing.
- Revisit Your Financial Goals
The goals you set at the beginning of the year may no longer reflect your priorities today—and that’s perfectly normal.
Perhaps the vacation fund you started has become an emergency fund. Maybe home improvements now take precedence over buying a new gadget. Or perhaps you’ve already reached one milestone and are ready to pursue another.
Rather than seeing these shifts as setbacks, think of them as smart financial adjustments.
Maya Personal Goals makes it easy to stay organized by allowing users to create up to five separate savings goals, each earning up to 8% interest per annum. Whether you’re saving for travel, emergencies, education, or a major purchase, keeping funds dedicated to specific goals can help you stay focused and motivated.
- Put Your Savings to Work
Saving money is only half the equation. The other half is making sure your savings continue to grow.
If your money is sitting in an account that earns little or no interest, it may be time to upgrade.
With Maya Savings, users can earn up to 15% interest per annum, credited daily, while maintaining easy access to their funds whenever needed.
For money you don’t expect to use anytime soon, Maya Time Deposit Plus offers another opportunity to grow your savings with interest rates of up to 6% per annum, while giving users the flexibility to add more funds throughout the deposit period.
Small improvements today can lead to bigger financial gains by year’s end.
- Get More Value From Every Purchase
Everyday spending doesn’t have to stop at the checkout counter.
Using the right payment tools can turn routine purchases into additional rewards, cashback, and savings.
The Maya Black Credit Card lets cardholders earn up to 10x Maya Miles at Maya Black Preferred merchants. Since it’s powered by Visa, it’s accepted both locally and overseas, making it ideal for daily spending and travel. Maya Miles can later be redeemed for shopping, dining, travel, and other rewards.
Meanwhile, the Landers Cashback Everywhere Credit Card helps stretch every peso further by offering 5% cashback at Landers, 2% cashback on dining, and 1% cashback on most other purchases. Cardholders also receive a ₱7-per-liter fuel discount at Landers-Caltex stations, making everyday essentials even more rewarding.
- Use Credit as a Financial Tool—Not a Burden
Unexpected expenses don’t always come from poor budgeting. Sometimes, life’s biggest costs simply arrive at the same time.
Family celebrations, home repairs, tuition payments, or advance holiday bookings can put pressure on even the most carefully planned budget.
Instead of paying everything upfront, eligible Maya card purchases can be converted into 3-, 6-, 9-, or 12-month installment plans through Mini Payments, with a fixed add-on interest rate of 1% per month and zero processing fees for installment plans created until September 30, 2026.
For unforeseen financial needs, Maya Easy Credit provides qualified users access to up to ₱50,000, repayable within 30 days, while Maya Personal Loan offers up to ₱400,000 with flexible monthly repayment options—all within the Maya app, without collateral or lengthy paperwork.
Approval and offers are subject to credit evaluation.
- Prepare Early for Year-End Expenses
Some of the year’s biggest expenses aren’t unexpected—they’re simply predictable enough that people forget to prepare for them.
Holiday shopping, family gatherings, vacations, school fees, and annual celebrations often arrive within a short period, placing added strain on household budgets.
The good news is that preparing for these expenses doesn’t require setting aside large amounts all at once. Starting several months in advance can make year-end spending far easier to manage.
With Maya Time Deposit Plus, users can steadily build their savings while earning up to 6% interest per annum, with the added flexibility of topping up funds along the way.
Finish the Year Strong
A mid-year financial reset isn’t about judging how well you’ve managed your money over the past six months. It’s about making sure your financial habits still align with your current goals.
Your priorities may have changed. Your income may have grown. Or perhaps you’ve simply learned more about what works best for your lifestyle.
Whatever the case, there’s still plenty of time to make meaningful financial progress before the year ends.
Sometimes, a few smart adjustments today can make a significant difference tomorrow.
To learn more, visit maya.ph or mayabank.ph, and follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for the latest updates and financial tips.
