As rising household expenses continue to challenge Filipino families and entrepreneurs, UnionDigital Bank is encouraging consumers to reassess their finances through practical budgeting habits inspired by content creators Cong TV and Viy Cortez.
Dubbed the “Kaya Mo” mindset, the campaign highlights financial lessons drawn from the couple’s journey—from starting in a rented home to building successful businesses under the Team Payaman brand.
Review spending before making new purchases
One of the biggest lessons, according to Cong TV, is learning to distinguish between wants and needs before making purchases.
He shared that while he once wanted to buy things as soon as he could afford them, parenthood has shifted his priorities toward family expenses and savings.
UnionDigital Bank recommends using the middle of the year to review bank statements, cancel unused subscriptions, and avoid unnecessary online purchases.
The bank also encourages setting aside emergency savings in a dedicated account to reduce the temptation to spend.
Separate personal and business finances
As entrepreneurs managing multiple businesses, Cong and Viy emphasized the importance of keeping household finances separate from business funds.
Viy said mixing personal and business money makes it difficult to determine whether a business is actually earning.
For side hustlers and small business owners, UnionDigital Bank recommends maintaining a separate account for business transactions to better monitor cash flow.
Build an emergency fund
The couple also highlighted how becoming parents changed their financial priorities.
Instead of living paycheck to paycheck, they now prioritize building an emergency fund to prepare for unexpected medical or family expenses.
UnionDigital Bank advises families to work toward saving three to six months’ worth of living expenses over the next six months as part of a mid-year financial reset.
Surround yourself with financially responsible people
Beyond saving money, Cong stressed that financial habits are also influenced by the people around you.
He said Team Payaman was built on the idea of helping one another grow financially instead of pursuing success alone.
The bank encourages Filipinos to discuss budgeting openly with family members, partners, or friends who share similar financial goals.
Making financial management simpler
According to UnionDigital Bank, improving financial health doesn’t always require major lifestyle changes. Small but consistent decisions—such as tracking expenses, separating savings, and planning for emergencies—can make a significant difference over time.
The bank said its digital platform aims to make saving, budgeting, and managing money more convenient for Filipinos looking to strengthen their finances during the second half of the year.
