Personal Finance: What You Need To Know Today

Category: Personal Finance

Personal finance and money management can be very confusing. Most people know that optimizing their finances is important but few feel confident that they have the knowledge to do so.

At Fioney we stay on top of the latest economic trends, financial products, and money management strategies in order to provide the knowledge to help you use the money you have today to live the life you want.

Learn to make your money work for you. Whether it’s getting debt free or buying a home we have you covered.

Capital One and Discover logos

Discover Bank Discontinues New Account Applications

Eight months after Capital One completed its acquisition of Discover, applications for Discover banking products have been discontinued. About Discover Bank's Application End: As first noticed by Doctor of Credit, Discover Bank is no longer accepting new account applications, including those for checking and savings accounts. Instead, the landing page for those services directs customers to Capital One. At this time, current accountholders are unaffected and can still log in...
Afterpay logo

Stats Show Vast Majority of BNPL Holiday Shoppers Paid On Time

"Buy Now, Pay Later" service Afterpay has released new data that suggests an overwhelming number of its users are making on-time payments. About Afterpay's Holiday Report: According to Afterpay, 96% of customers in the United States who used the company's Pay-in-4 service to make a purchase between Black Friday and Cyber Monday last year paid off their purchase either early or on time. Furthermore, the company says that, as of...
Allegiant and Sun Country planes and logos in the sky

Allegiant Airlines Announces Planes to Merge with Sun Country

Two budget airlines known for bringing passengers to popular vacation destinations are planning to merge. About the Allegiant-Sun Country Merger: On Sunday, Allegiant Airlines announced plans to acquire Sun Country Airlines. The cash and stock transaction values the latter airline at approximately $1.5 billion. The combined airline will be the leading "leisure-focused" U.S. airline, serving nearly 157 cities with more than 650 routes and 195 aircraft. That includes 551 current...
front door of a home with a key in the lock

Lessons From a First-Time Home Buyer: A Long-Held Housing Market Problem is Clearing

If you've had trouble finding many homes for sale in your area of interest over the past several years, you've probably been told a theory of why that might be. The logic goes that since many homebuyers were able to obtain mortgages with interest rates of 3% or less during rough economic times, they were reluctant to sell. Potential home sellers seemed to opt for staying put rather than moving...
Kevin O'Leary and screenshots of the CashTrax app

Mr. Wonderful's Beanstox App Adds AI-Powered CashTrax Feature

An investment app co-owned by Kevin O' Leary (A.K.A. Mr. Wonderful) has introduced a new tool to help customers make smart money decisions. About Beastox's CashTax: Beanstox, an app chaired and co-owned by Shark Tank's Kevin O'Leary, is expanding its offerings. Now, customers can access CashTax — an AI-powered money sidekick. Using CashTax, users can connect their bank accounts and credit cards in order to gain spending insights and recommendations....
a couple staring at bills

Survey Finds Lack of Financial Literacy Costs Adults $948 a Year

The latest survey from the National Financial Educators Council (NFEC) puts a dollar figure on financial literacy failings. About the NFEC Survey Results: Each year, the NFEC asks U.S. adults: "During the past year, about how much money do you think you lost because you lacked knowledge about personal finances?" In 2025, when averaging the 1,200 responses, the organization estimates that individuals lost $948 during the year due to a gap...
Money Together book cover

"Money Together" by Heather & Douglas Boneparth Book Review

Do you ever look at your Twitter feed and wonder how you came to discover certain people you follow? That's what happened to me with Douglass Boneparth. Luckily, what led me to take an increased notice of Boneparth wasn't that he said something horribly offensive and made me want to block him — but, instead, the announcement of a book he wrote with his wife. With that, I was excited...
Financial Goals list in a trash can

Survey: Financial Resolutions in Fashion Again, Even If Most Fail

With the year coming to an end, a new survey asked Americans about their financial-related resolutions. About the New Year's Resolution Survey Results: Recently, QuestionPro conducted a survey (commissioned by Beyond Finance) of 2,000 Americans, asking them about their upcoming resolutions — and how their past plans panned out. First, according to the survey, 83% of respondents who made finance-related resolutions last year failed to meet all or some of their...
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2025 SoFi Checking and Savings Review

 Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. That was later sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind is SoFi’s acquisition of Golden Pacific...
Rakuten: Where it pays to shop.

A Look at How Rakuten (Ebates) Works in 2026

Since taking an interest in personal finance, one site I’ve come across again and again is Rakuten, formerly Ebates. If you’re still unfamiliar, Rakuten is a cashback site — and is the largest of its kind by far, boasting deals from over 3,500 retailers. Its popularity has endured even with the odd Rakuten re-branding and the platform remains one of my most-used money-saving tools. Since joining Rakuten / Ebates some...
Travelers with two Best Western Credit Cards

Best Western Debuts Two New Rewards Credit Cards

After pausing applications for their previous rewards card, the hotel chain Best Western has unveiled a new pair of rewards credit cards with a new issuer. About the Best Western cards: Best Western is partnering with First Bank & Trust and Mercury Financial to introduce two new co-branded credit cards. First up is the no-annual-fee Best Western Rewards Visa Signature Card. With this card, customers can 4x points on Best...
Marriott Bonvoy card and a woman on vacation

Marriott Bonvoy Bold Card Launches Travel Contest

Chase and Marriott Bonoy have unveiled a special contest while continuing to offer its best-ever welcome bonus. About the welcome bonus and Bold Chat Court Contest: Marriott Bonvoy and Chase have launched a special opportunity called the Bold Chat Court contest. As part of this contest, 10 lucky travelers will be awarded 500,000 Marriott Bonvoy points (for a total of 5 million) as well as $5,000. For this contest, the...
Bilt and All Reward logos

Bilt Adds 2 New Transfer Partners Including First 3:2 Transfer Rate

Bilt is once again expanding its travel transfer rewards program — and is even breaking the mold with one new partner. About the new additions to Bilt: This week, Bilt launched partnerships with two more travel brands: TAP Air Portugal and Accor. As a result, Bilt members will now be able to transfer their points to Miles&Go and ALL Reward, respectively. In total, Bilt now has 18 transfer partners including 13...