The halfway point of the year is more than just another date on the calendar—it’s the perfect opportunity to pause, reflect, and make adjustments. Whether you’ve stayed on track with your financial goals or found yourself navigating unexpected expenses, a mid-year reset can help you finish 2026 on a stronger financial footing.
Just as priorities evolve throughout the year, so should the way you manage your money. The best financial plans aren’t rigid—they adapt to life’s changing circumstances.
Here are five practical ways to refresh your finances with Maya, the Philippines’ #1 Digital Bank and leading all-in-one fintech platform.
1. Revisit Your Financial Goals
The goals you set at the beginning of the year may no longer reflect where you are today—and that’s perfectly normal.
Perhaps the vacation fund you started has become an emergency fund, home repairs have taken priority over buying a new gadget, or you’ve already achieved one milestone and are ready to pursue the next.
Rather than seeing these changes as setbacks, consider them signs of progress and adaptability.
With Maya Personal Goals, users can create up to five separate savings goals while earning up to 8% interest per annum, making it easier to organize funds for travel, emergencies, education, home improvements, or other important life milestones.
2. Make Your Savings Work Harder
Saving money is only part of the equation. The other half is making sure your savings continue to grow.
Instead of leaving your funds in an account that simply stores your money, consider putting them where they can generate higher returns while remaining accessible.
Maya Savings lets users earn up to 15% interest per annum, with interest credited daily, allowing savings to grow while remaining available whenever needed.
For funds intended for longer-term goals, Maya Time Deposit Plus offers another smart option, allowing users to earn up to 6% interest per annum over a fixed term while still giving them the flexibility to top up their deposits anytime.
Small improvements today can translate into meaningful financial gains by the end of the year.
3. Get More Value from Your Everyday Spending
A smarter financial strategy isn’t only about spending less—it’s also about maximizing every peso you already spend.
Maya offers several ways to turn everyday purchases into valuable rewards.
With the Maya Black Credit Card, cardholders can earn up to 10x Maya Miles at Maya Black Preferred merchants. Since it’s powered by Visa, the card is accepted both locally and internationally, making it an ideal companion for everyday purchases and travel. Accumulated Maya Miles can be redeemed for shopping, dining, travel, and other lifestyle rewards.
Meanwhile, the Landers Cashback Everywhere Credit Card helps cardholders stretch their spending even further by offering:
- 5% cashback at Landers
- 2% cashback on dining
- 1% cashback on most purchases
- ₱7-per-liter fuel discount at Landers-Caltex stations
These perks allow consumers to enjoy meaningful savings while going about their daily routines.
4. Stay Flexible When Life Happens
Even the most carefully planned budgets can be disrupted by unexpected timing.
Family celebrations, emergency repairs, school expenses, or holiday travel often arrive all at once, creating temporary financial pressure.
Instead of letting these moments derail your finances, Maya offers flexible financing options designed to help users manage larger expenses responsibly.
Through Mini Payments, eligible purchases can be converted into installment plans of 3, 6, 9, or 12 months with a fixed add-on interest rate of 1% per month. Even better, Mini Payments created until September 30, 2026 come with zero processing fees.
For more immediate financial needs, Maya Easy Credit provides qualified users with access to up to ₱50,000, repayable within 30 days.
Those requiring larger financing can apply for a Maya Personal Loan of up to ₱400,000, with flexible repayment terms—all processed conveniently within the Maya app without collateral or extensive paperwork.
5. Prepare Early for Predictable Expenses
Not all financial challenges come as surprises.
Holiday shopping, family gatherings, vacations, tuition fees, and year-end celebrations happen every year, yet they still catch many people unprepared.
The advantage of a mid-year financial review is having several months to prepare before these expenses arrive.
Building savings gradually can ease financial pressure later in the year, making large expenses feel much more manageable.
For these longer-term goals, Maya Time Deposit Plus offers an opportunity to grow savings at up to 6% interest per annum, while allowing users to add funds anytime as they work toward future financial milestones.
Finish the Year Strong
A mid-year financial reset isn’t about judging past decisions—it’s about making smarter ones moving forward.
Whether your priorities have shifted, your income has changed, or your goals simply look different from when the year began, taking time to reassess your finances can help ensure your money continues working toward the life you want to build.
With six months still ahead, there’s ample opportunity to save more, spend more wisely, and build stronger financial habits that can make a lasting difference.
To learn more about Maya’s products and services, visit maya.ph or mayabank.ph, and follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for the latest updates.
Approval and offers are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas.
