As Filipino families and small business owners navigate rising expenses in the second half of the year, UnionDigital Bank (UD) is highlighting practical money habits inspired by the financial journey of content creators and entrepreneurs Cong TV and Viy Cortez.
The couple’s story—from starting out in a rented home to building successful businesses—serves as an example of how discipline, budgeting, and smart financial decisions can help individuals work toward long-term financial stability.
UD shared four key lessons based on the couple’s “Team Payaman” mindset to help Filipinos manage mid-year financial challenges:
1. Separate wants from needs
Cong and Viy emphasize the importance of thinking carefully before making purchases. Reviewing expenses, reducing unnecessary spending, and prioritizing savings can help individuals stay aligned with their financial goals.
UD recommends setting aside savings through dedicated accounts, such as a UD Save account, to reduce the temptation to spend money intended for future needs.
2. Keep personal and business finances separate
For entrepreneurs and side hustlers, separating household expenses from business funds is essential for tracking cash flow and measuring profitability.
Viy highlighted the importance of giving every peso a purpose by maintaining separate budgets for personal expenses and business operations.
3. Build an emergency fund
The couple also stressed the importance of preparing for unexpected expenses, especially after becoming parents. Building an emergency fund can provide financial security during situations such as medical needs, family emergencies, or sudden income changes.
UD encourages customers to develop a savings habit and work toward building a financial safety net through accessible digital banking tools.
4. Surround yourself with people who support financial goals
Cong and Viy believe financial success is easier to achieve with a supportive community. They encourage Filipinos to discuss money goals with family, partners, and friends while developing healthier spending and saving habits together.
Through its digital banking platform, UnionDigital Bank aims to help Filipinos manage their finances more easily by providing tools for saving, transferring money, and organizing funds for personal and business needs.
The company said financial freedom is built through consistent small decisions, responsible money management, and access to financial tools that fit everyday lifestyles.
