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.

happy couple holiday shopping standing on an elevator

2025 U.S. Consumer Holiday Spending Expected to Top $1 Trillion

With the holiday shopping season just around the corner, estimates suggest that American shoppers could set a record this year — and cross a major milestone. About the Holiday Spending Forecast for 2025: This week, the National Retail Federation (NRF) released its annual holiday forecast. In it, they estimate that retail sales between November and December 2025 will total more than $1 trillion for the first time. Specifically, their research...
3 copies of The Art of Spending Money by Morgan Housel

The Art of Spending Money: Simple Choices for a Richer Life Book Review

Five years ago, I picked up the book The Psychology of Money by Morgan Housel after seeing it on Amazon — and absolutely loved it. So, when I saw that he was releasing another book, I immediately pre-ordered. That book was 2023's Same as Ever, which I also enjoyed. That brings us to this year as The Art of Spending Money: Simple Choices for a Richer Life hit store shelves and,...
Cylerity management team

Healthcare FinTech Cylerity Raises $28 Million in Capital

A FinTech focused on improving healthcare payments has raised a new round of funding. About Cylerity's Funding Round: Recently, Cylerity announced a total of $28 million in new funding. This includes a $4 million seed round and a $24 million debt facility. The "over-subscribed" equity portion of the round was led by HealthX Ventures, with C2 Ventures, Upstream Ventures, Wisconsin Investment Partners, and Tundra Angels also participating. First Business Bank established the debt facility....
Halloween decorations on the front of a house

Lessons From a First-Time Home Buyer: The 5 Scariest Things We've Experienced as Homeowners (So Far)

This week is Halloween! It will actually be our second as homeowners and, if last year is anything to go by, we can expect at least a handful of trick-or-treaters (after having none at our apartment). But that's not really what I wanted to talk about. Instead, I thought I'd take this thematic opportunity to discuss some of the scary things — in all senses of the term — we've...
Southwest debit card and app next to a couple holding a debit card and a tablet computer

Southwest Airlines Officially Launches Rapid Rewards Debit Card

After teasing a new debit product, Southwest Airlines has now revealed the details about its Rapid Rewards-earning credit card alternative. About the Southwest Airlines Rapid Rewards Debit Card: Southwest is partnering with Galileo and Sunrise Banks to debut a new debit card. With the Southwest Airlines Rapid Rewards Debit Card, customers can earn points on purchases and even work their way toward earning a Companion Pass. First, with the card,...
Rakuten The Holiday Big Deal Reveal

Rakuten Reveals 10 Days of Big Deals Starting November 1st

Next month, Rakuten users can earn increased cashback (or American Express Membership Rewards points) from 10 big brands over the course of 10 days. About Rakuten's Holiday Big Deal Reveal: The popular cashback shopping portal Rakuten has made its Holiday Big Deal Reveal for 2025. From November 1st through November 10th, the platform will be rolling out a special offer each day, earning customers between 12% and 23% back on...
two screenshots of the Refundly app

Refund Tracking Tool Refundly Officially Launches

As the holiday shopping season approaches, a new tool that helps consumers track their refunds and returns has debuted. About Refundly: This week, Refundly announced its official launch. With this new app, shoppers can track e-commerce returns and be informed of when they can expect their refund to arrive. To do this, Refundly says it utilizes proprietary AI to scan users' email inboxes in order to find receipts and returns....
WalletHub logo on a backdrop of a scene of winter travel

Survey: Lingering Inflation Impacting Winter Travel Plans

A new survey suggests that a majority of travelers expect ongoing inflation to impact their winter itineraries, while other financial factors are also in the mix. About the Survey Results: Recently, the personal finance site WalletHub released its Winter Travel Survey. Headlining the results is the fact that 54% of respondents said inflation will affect their plans. Similarly, just over half (51%) expect that a weaker dollar will also play...
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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...