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.

woman with an Instant debit card and app next to a card reader an Instant debit card
Personal Finance

Instant Financial Named Best Payments App with Tearsheet Award

by Kyle Burbank
The earned wage access FinTech Instant Financial was recently honored by Tearsheet. About Instant Financial's Award: Earlier this month, Tearsheet unveiled its 2025 Power of Payments Award recipients. Among them was Instant Financial, which was named Best Payments App (B2B or B2C). Other various category winners for this year include  J.P. Morgan Payments, Balance, Remitly, PayJoy, and Extend. Looking at past awards, it seems that this particular category was new...
Yendo app and credit card
Personal Finance

Yendo Raises Another $50 Million for Asset-Backed Credit Product

by Kyle Burbank
Yendo, a platform that allows consumers to access a line of credit secured by their vehicle, has revealed a new round of funding. About Yendo's Funding Round: This week, Yendo announced that it has raised another $50 million. This Series B included participation from the likes of Spice Expeditions, Autotech Ventures, FPV Ventures, Pelion Venture Partners, Clocktower Technology Ventures, and Mark Cuban. To date, Yendo has now raised more than...
United Airlines and Instacart logos with a bag of groceries and a suitcase
Personal Finance

United and Instacart Partner to Bring New Delivery Perk to Flyers

by Kyle Burbank
A new grocery delivery perk is coming to those who fly the friendly skies. About the United and Instacart Partnership: United Airlines and Instacart are teaming up to bring a unique benefit to travelers. Now, customers can link their United MileagePlus accounts to Instacart in order to claim $0 delivery fees in concert with their United flights. With this offer, customers can unlock a week of the Instacart+ $0 delivery...
3 PayPal BNPL screenshots
Personal Finance

PayPal Adds Limited-Time Cashback Offer to BNPL Service

by Kyle Burbank
With the holiday shopping season quickly approaching, PayPal is looking to boost its "buy now, pay later" (BNPL) option with a special offer. About the PayPal But Now Pay Later Offer: From now through the end of the year, PayPal BNPL customers can earn 5% cashback on their purchases. This includes both online and in-store transactions made with the service. To get started, users will need to save the cashback...
Atlanta Hawks uniform with Paze logo
Personal Finance

Paze: The Latest FinTech to Become an NBA Jersey Patch Partner

by Kyle Burbank
The Atlanta Hawks have a new jersey patch sponsor in the form of the FinTech checkout solution Paze. About the Paze Jersey Patch Sponsorship: This week, Paze announced that it had entered into a multi-year partnership with the National Basketball League's Atlanta Hawks. When the NBA season tips off later this month, Hawks players will be sporting Paze logo patches on their jerseys. Additionally, Paze will serve as the Official...
calculator and Refinance Your Home token
Personal Finance

Lessons From a First-Time Home Buyer: Can I Refinance Yet?

by Kyle Burbank
Last month, the Federal Reserve cut interest rates by another quarter point. While that's bad news for my high-yield savings accounts (which, in turn, reduced their APYs), the potential silver lining would be a dip in mortgage rates. As I've shared before, when we bought our house, we had to accept a rate of 7.999%. So, although we can afford our payments without issue, we've long had the intent to...
American Airlines plane flying out of a laptop with the Bask Bank app
Personal Finance

Bask Bank Negatively Adjusts Mileage Savings Account Rate

by Kyle Burbank
Bask Bank is updating the earnings rate for its Mileage Savings account. About Bask's Updated Rate: Effective today, Bask will be lowering the rate that its Mileage Savings account customers earn. Now, members will earn 1.75 miles per $1 saved annually versus the previous rate of 2 miles per $1. This means that an accountholder with $10,000 in their account will now earn 17,500 American Airlines AAdvantage miles over the...
nu bank entrance
Personal Finance

São Paulo-Based Nubank Applies for U.S. National Bank Charter

by Kyle Burbank
Brazilian neobank Nubank has announced its intent to pursue a banking charter in the United States. About Nubank's Bank Charter Application: This week, Nubank revealed that it had applied for a national bank charter with the U.S. Office of the Comptroller of the Currency. The company says that the move was made in order to "unlock new possibilities within the U.S. financial landscape." Furthermore, they state that obtaining a charter...
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Checking Account Review

2025 SoFi Checking and Savings Review

by Kyle Burbank
 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...
Travelers with two Best Western Credit Cards
Credit Card News

Best Western Debuts Two New Rewards Credit Cards

by Kyle Burbank
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
Credit Card News

Marriott Bonvoy Bold Card Launches Travel Contest

by Kyle Burbank
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
Credit Card News

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

by Kyle Burbank
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...
PayPal Debit Card app
Checking Account Review

PayPal Debit Card Review: Earn Stackable 5% Cash Back

by Kyle Burbank
In recent weeks, PayPal debuted an updated debit card product (perhaps you've seen the incessant Will Ferrell commercials for it during football games?). With the launch of this card, the company known for online payments is encouraging customers to pay with them anywhere. To encourage such behavior, the debit card allows cardholders to earn 5% cashback — although, as you can imagine, there are some important restrictions on that. So,...