There's something about the middle of the year that makes people reassess everything: the routines they've kept, the goals they've quietly abandoned, and the habits they want to change. Money shouldn't be any different.

Halfway through 2026 isn't just another milestone on the calendar, it's an opportunity to check whether your financial habits are still helping you get where you want to go. Because the smartest financial plans aren't the ones you never change, they're the ones that evolve as life does.

Whether your priorities have shifted or you're simply looking to finish the year stronger, here are six practical ways to give your finances a mid-year reset with Maya, the country's #1 Digital Bank and leading all-in-one fintech platform.

1. Ask yourself if you're still saving for the right goal

One of the biggest misconceptions about financial planning is that your goals should stay the same all year; but life changes. The trip you wanted to take may have become an emergency fund, a gadget can wait while home repairs suddenly take priority, or maybe you've accomplished one goal and it's time to start another.

That's not falling behind. That's adapting. With Maya Personal Goals, users can create up to five personalized savings goals while earning up to 8% interest p.a., making it easier to save separately for everything from travel and emergencies to bigger life milestones.

2. Give your savings a promotion

If your savings account is simply holding your money, it might be worth asking: Could it be doing more?

A mid-year reset isn't just about saving more. It's about making the money you've already saved continue working in the background.

With Maya Savings, users can earn up to 15% interest p.a., credited daily, while keeping their funds accessible whenever they need them.

For money that won't be needed anytime soon, Maya Time Deposit Plus offers another way to grow savings over a fixed period with rates of up to 6% p.a. and the flexibility to top up funds anytime.

Because even small adjustments today can make a meaningful difference by year-end.

3. Make every peso do more than one job

One habit worth carrying into the second half of the year? Getting more value from the spending you're already doing. Whether it's rewards, cashback, or perks, everyday expenses don't have to end once you've paid the bill.

With the Maya Black Credit Card, cardholders earn up to 10x Maya Miles at Maya Black Preferred merchants, while its Visa-powered acceptance makes it easy to use whether you're dining locally or traveling abroad. Those Maya Miles can be redeemed for vouchers for shopping, dining, and more, helping stretch the value of purchases you've already made.

Meanwhile, the Landers Cashback Everywhere Credit Card offers 5% cashback at Landers, 2% cashback on dining, and 1% cashback on most purchases. Cardholders also enjoy a ₱7.00-per-liter fuel discount at Landers-Caltex stations.

4. Don't mistake flexibility for falling behind

Not every financial surprise comes from overspending, sometimes expenses simply arrive all at once: a family celebration, repairs, school-related expenses, or even holiday bookings. Even well-planned budgets can feel stretched when timing doesn't cooperate.

For bigger purchases that you'd rather spread out over time, Maya's Mini Payments feature lets eligible purchases be converted into 3, 6, 9, or 12-month installment plans at a fixed add-on interest rate at 1% per month, with zero processing fees on Mini Payments created until September 30, 2026.

For more unexpected financial needs, Maya Easy Credit offers access to up to ₱50,000, repayable within 30 days. Meanwhile, Maya Personal Loan provides up to ₱400,000 with flexible monthly repayment terms—all within the Maya app and without the usual paperwork or collateral.

5. Don’t let predictable expenses catch you by surprise

Some of the biggest expenses each year aren't actually unexpected, they're simply easy to underestimate.

Holiday shopping, year-end travel, family celebrations, and school-related costs tend to arrive around the same time, putting extra pressure on monthly budgets.

Planning for them doesn't necessarily mean setting aside huge amounts overnight. Giving yourself a few extra months to prepare can make those expenses feel much more manageable when they eventually come around.

For longer-term goals, Maya Time Deposit Plus lets users grow their savings with rates of up to 6% p.a., while offering the flexibility to top up funds anytime, making it easier to prepare today for what's already on the horizon.

Halfway through the year isn't a finish line or a report card. It's simply a chance to pause and ask whether your money is still supporting the life you're trying to build.

Maybe your priorities have changed. Maybe your spending habits have improved. Or maybe the goals you set in January no longer reflect where you are today. That's not a setback, it's part of life.

Just as we regularly reassess our work, our routines, and our personal goals, our finances deserve the same kind of attention. A mid-year reset is an opportunity to make sure your savings, spending, and financial habits still align with what matters most today. After all, there's still half a year left to make meaningful progress. To know more, visit maya.ph or mayabank.ph, and follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok to stay updated. Approval and offer are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph. For 24/7 assistance, visit the Help Center in the Maya app or call us from 8 AM to 7 PM daily at +632 8845-7788.

Let’s face it: credit is often misunderstood. For some, it’s a safety net. For others, it’s a cycle they can’t break. But the truth is, credit—when used with intention—can be one of your most powerful financial tools. The difference lies in how it’s built, and who it’s built for.

That’s where Maya, the #1 Digital Bank in the Philippines, stands out. Instead of treating credit as a one-size-fits-all solution, Maya designs tools that adapt to your real life—whether you’re managing emergencies, covering essentials, or working toward long-term financial wellness.

Here’s how Maya helps you borrow smarter, not harder:

Credit That Works When You Need It

Emergencies don’t wait for ideal timing. That’s why Maya offers Easy Credit[1], a revolving credit line of up to ₱30,000, available instantly when you need it. There’s no paperwork needed, and with up to 30 days to repay what you use.

The best part? It’s built into the Maya app, right where you manage the rest of your finances, so you stay in control without disruption.

Credit Without the Catch

When you need more than just a short-term boost, Maya Personal Loan[2] gives you access to up to ₱250,000, with flexible repayment terms of up to 24 months. No collateral required.

Whether you’re handling a major life expense or consolidating existing debt, Maya’s loan product is designed to be predictable and manageable, so borrowing doesn’t turn into burden.

Credit Cards with Built-In Discipline and Rewards

The right credit card doesn’t just help you spend, it helps you earn. Maya’s Landers Cashback Everywhere Credit Card gives you up to 5% on Landers purchases, 2% on dining, and 1% on all other qualified transactions.

Looking for something elevated? The Maya Black Credit Card delivers more than just sleek design. It lets you earn instant Maya Miles—versatile points every time you spend. You can soon use them to pay for shopping or dining, convert your Maya Miles into airline miles right in the app, starting with partners like Philippine Airlines. Plus, get access to exclusive rewards through Maya’s in-app catalog, giving you more value with every spend.

Tools to Help You Borrow and Save Simultaneously

Maya understands that the best borrowing decisions happen when you're not operating on panic. That’s why you can pair your credit use with Personal Goals inside Maya. Create up to 5 savings goals, each earning 4% p.a. interest, and build buffers for upcoming expenses, from tuition to travel.

Responsible borrowing doesn’t mean saying no to credit. It means choosing tools that meet you where you are and help you grow from there.

Maya is here to champion financial choices that reflect who you are and where you’re going. That means more transparency, more control, and more respect for your time and your effort.

Visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to learn more. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to ₱1 million per depositor.