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.

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How to Redeem Bilt Points Toward a Down Payment, Closing Costs

When I first reviewed the Bilt Mastercard, I noted that the platform boasted an option to redeem points toward the purchase of a home. At the time, I couldn't even find anywhere that stated the value of this option let alone how to actually do it. Thankfully, since then, Bilt has added features that emphasize this option. Yet, I've never actually heard from anyone who tried it. Well, as someone...
TodayPay logo

TodayPay Emerges from Stealth at Money 20/20

A FinTech solution called TodayPay has launched from stealth mode, debuting at the Money 20/20 conference in Las Vegas. About TodayPay: Describing itself as a "Refunds as a Service" platform, TodayPay allows retailers to offer more refund options to consumers. As the company explains, their service separates refunds from returns — which they see as decoupling payment from a logistics problem. With TodayPay, consumers will not only be able to...
Delta Skymiles

Delta Adjusts Unpopular Medallion, Lounge Access Updates

After its initial SkyMiles program updates were poorly received, Delta has announced some adjustments for Medallion status and cardholder lounge access. About the status updates: Due to guest feedback, Delta is making further revisions to its SkyMiles program for 2025 (which flyers will qualify for in 2024). Although the airline will move forward with plans to switch from a system that utilizes both Medallion Qualifying Miles (MQMs) and Medallion Qualifying...
Southwest airplane

Southwest Airlines Announces Updates to Rapid Rewards Program

Southwest Airlines is making some changes to its popular Rapid Rewards Program. About the changes: First, the airline plans to reduce the number of flights required to achieve A-List status. Starting January 1st, Southwest Rapid Rewards Members will only need to fly at least 20 one-way qualifying flights or earn 35,000 tier qualifying points to reach A-List. Previously, the threshold was set at 25 qualifying one-way flights. Similarly, earning A-List Preferred status...
handing over a house key

So, We Bought a House: What Changed My Mind About Owning

As Ferris Bueller once declared, "Life moves pretty fast." A mere three weeks ago, I wrote about how my wife and I had resumed our home search after several years and were taking baby steps toward buying. Well, damn — that baby learned how to run. Recently, my wife and I ended up putting in an offer on a home, which was then accepted. As things stand now, we're scheduled...
Stash app and Amy Butte

Stash Hires Independent Audit Chair Amy Butte, Eyes IPO

The stock trading app Stash has hired an independent audit chair as the company reportedly moves toward an IPO. About the hire (and what it means): Recently, Stash announced that it had tapped Amy Butte to serve as the company's first independent audit chair. Previously, Butte has served as director, advisor, and CFO for several companies. Additionally, she currently serves on the boards of Bain Capital Specialty Finance and DigitalOcean,...
Wells Fargo LifeSync in app screenshot

Wells Fargo Announces Expanded Availability of LifeSync Feature

Wells Fargo has announced that its bringing a new feature to more of its digital banking customers. About LifeSync: Originally launched to Wells Fargo Wealth & Investment Management earlier this year, LifeSync has now rolled out to all consumer customers. With this feature, users can create financial goals as well as track their progress. Among the personalized information that the LifeSync feature provides are account summaries, FICO credit scores, and...
Carefull computer and app screenshots

Financial Safety Platform Carefull Raises $16.5 Million

A service that helps protect consumers from scams and other financial mistakes has raised a new round of funds. About the round: This week, Carefull announced that it had closed a $16.5 million round. The Series A was led by Fin Capital with participation from Bessemer Venture Partners, TTV Capital, Commerce Ventures, Montage Ventures, and Alloy Labs. To date, the company has now raised a total of $19.7 million. About...
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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...
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...
PayPal Debit Card app

PayPal Debit Card Review: Earn Stackable 5% Cash Back

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,...