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.

dollar bills on top of tax forms

IRS Expanding Direct File Tool for 2025 Tax Filing Season

In time for the 2025 tax filing season, the Internal Revenue Service will be expanding Direct File in a few different ways. About the expansion: The IRS has some major expansion plans for its Direct File service. First, after a 12-state pilot last year, the tool will be available in twice as many states next year. The complete list now includes: Alaska Arizona California Connecticut Florida Idaho Kansas Maine Maryland...
repair man looking at a stove

Lessons From a First-Time Home Buyer: The Problem with Appliance Repair "Quotes"

When we were buying our house, one piece of advice we were given was, "Get three quotes before hiring someone for repairs." While this sounds like a lot of work, I can absolutely appreciate this tip. After all, even when you're potentially spending thousands of dollars, saving any money you can is still important. As I shared, a few months ago, our water heater broke, ultimately leading us to replace...
On the go - Take it slow

Marriott Bonvoy and Uber Adjust Linked Point-Earning Rates

Marriott Bonoy and Uber have announced some big updates to their partnership that will impact customers. About the changes to the Marriott Bonvoy-Uber partnership In the coming weeks, those who link their Marriott Bonvoy and Uber accounts will see changes to the points they earn. Now, those customers will earn 2 points per dollar spent on UberX Reserve rides. This joins the existing perk of earning 3x points on Uber...
Mesa app and homeowners card

Homeowner Membership Platform Mesa Raises $9.2 Million

A FinTech looking to build a rewards platform for homeowners has raised new capital. About the round: This week, Mesa announced that it had raised a total of $9.2 million — including $7.2 million in equity. The seed round was led by Streamlined Ventures with participation from Starting Line, Assurant Ventures, Vera Equity, Redwood Trust Horizons, and Clocktower Ventures. Also participating were "several other firms and strategic investors." The $2 million...
man writing a flow chart on a white board

Unexpected Expenses: My Back-Up Plan Flow Chart

Picture this: you've finally managed to get your finances in order and are making progress toward your financial goals... when a large, necessary but expected expense pops up. This is something that happens to Americans every day. What's more, as all too many surveys have told us, the great majority of us have no good plans for paying off such purchases of $500 or more. Even as someone who's "good...
Albertsons store front

Synchrony Expands CareCredit with Albertsons Partnership

Synchrony is teaming up with Albertsons to increase acceptance of its healthcare credit product. About the expansion: Recently, Synchrony revealed that its CareCredit card would now be accepted at Albertsons Companies Inc. stores including Albertsons, Safeway, Vons, ACME, Shaw's, and Jewel-Osco. In total, nearly 2,200 Albertsons Companies locations will participate in this partnership. At these locations, CareCredit customers will be able to use their card to purchase pharmacy items, qualified...
Benamin app

Benjamin Acquires New Things for "Money Moments" Expansion

A growing cashback app has revealed a new acquisition and funding round. About the acquisition: Benjamin Capital Partners has announced its acquisition of Austin-based startup New Things Co. As a result, Benjamin intends to integrate New Things' proprietary augmented reality rewards into its app. Specifically, the company says the feature will be added to its cash rewards platform Benjamin Money Moments, which currently allows customers to earn rewards for making...
illustration of a toy home on top of a caluclator

Lessons From a First-Time Home Buyer: What Fed Rate Cuts Could Mean for Home Buyers and Owners

Yesterday, for the first time since 2020, the Federal Reserve cut interest rates. In fact, to the surprise of some observers, the rate was cut by half a point (as opposed to the quarter point that was widely anticipated). For many people, this update might not mean much — but, for those who have been looking to buy a home or who purchased during recent rate highs, this could be...
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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...