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.

calculating FICO score
Personal Finance

Average FICO Credit Score Decreases for Third Straight Year

by Kyle Burbank
The latest FICO Score Credit Insights report finds that the average credit score ticked down once again. About the Latest Average Credit Score Report: According to the latest FICO data, the average American credit score is now 714. That's down one point from last year and continues a slide that started in 2023 when the average score peaked at 718. This also marks the lowest average score since 2021. Meanwhile, the...
Venmo and PayPal app screenshots of sending money
Personal Finance

Venmo Expands to Allow Sending Payments to PayPal Users

by Kyle Burbank
Venmo's payment network is growing by more than 200 million, thanks to a new update. About Venmo's PayPal Payment Feature This week, Venmo announced that it was expanding its peer-to-peer payment platform. Now, Venmo users are able to send funds to PayPal accounts. This includes users in 90 markets where PayPal operates. To send payments to PayPal users, Venmo customers can enter a phone number associated with the receiving account....
Greenlight GPS tracker and app
Personal Finance

FinTech Greenlight Launches First Physical Product: GPS Tracker

by Kyle Burbank
The family banking app Greenlight is expanding, debuting its first-ever physical product. About Greenlight Safe Family: Recently, Greenlight announced the launch of Greenlight Safe Family. This new line of GPS-enabled, screen-free devices helps families protect their loved ones. Currently, the company offers models for children, seniors, and dogs. In addition to GPS tracking capabilities, Greenlight Safe Family devices include an SOS button that alerts an emergency contact, customizable place alerts,...
Personal Finance

Universal Basic Income: What It Is and What People Are Saying About It

by Kyle Burbank
Updated on March 23, 2026 In recent years, universal basic income has been discussed by several notable figures, including Silicon Valley totems such as Mark Zuckerberg as well as political notables, including Barack Obama and Bernie Sanders. Yet, while you might assume that, based on those names, UBI was strictly a progressive platform issue, the truth is that different versions of the idea have been floated by libertarians on the...
FinTech Breakthrough Awards logo
Personal Finance

2026 FinTech Breakthrough Award Winning Companies Announced

by Kyle Burbank
It's that time of year, again: the annual FinTech Breakout Award recipients have been revealed. About the 2026 Winners: Today, FinTech Breakthrough announced this year's top companies across multiple categories. First up, MX was named Personal Finance Platform of the Year. Last year, Monarch won a similar but differently titled "Best Personal Finance Platform" award. Meanwhile, 2026's Personal Finance App of the Year was Quicken, whereas 2025's Best Personal Finance...
five people holding phones with CakeClub app
Personal Finance

CakeClub Officially Launches Cash-Flow Focused Finance App

by Kyle Burbank
A new app built to help consumers manage their money in a realistic way has officially launched. About the CakeClub App: This week, the FinTech CakeClub announced the launch of its personal finance app. According to the company, this tool is meant to help individuals manage their cash flow and change the way they think about budgeting. In particular, the platform is designed for Gen Z, Millennials, and even Gen...
ScoreMaster app screenshots
Personal Finance

SmartCredit Review: A DIY Tool to Help Reach Your Credit Goals

by Kyle Burbank
Updated on March 17, 2026 Over the past decade or so, it seems that the general public has really started to understand how important credit is to their everyday lives. While I say this anecdotally, the rise in average credit score does support my theory. Unfortunately, even if you have a basic idea of how credit works, adding points to your score isn't always so straightforward. That's where the service...
Delta plane and a baggage handler
Personal Finance

Delta Updates "20-Minute Bag Guarantee" Luggage Policy

by Kyle Burbank
A popular Delta policy is getting an update — but remains mostly intact. About Delta's 20-Minute Bag Guarantee and the Adjustment When Delta SkyMiles members check a bag on a domestic itinerary, the airline guarantees that their luggage will arrive at the baggage claim carousel within 20 minutes of the flight's arrival at the gate. To back this up, in the event of a delay, passengers can file a claim...
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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,...