Understanding Credit Card APR’s.The Devil is in The Details!

APR - The Devil is in The Details!  How credit card companies make money?    Many of us Millennials grew up in the golden age of acronyms like OMG (Oh My God), ‘LOL’(laugh out loud) and recently, ‘FOMO’(fear of missing out). But, there’s one acronym that has even the savviest...

Yofii Credit Cards

Credit Cards: Friend or Foe? How do Credit Cards REALLY work?

Credit cards have been officially around since the 1950s and have become a large part of consumer culture ever since. Even though credit cards aren’t new financial products, many people still don’t understand how they work. Lucky for you, we’re here to break things down and help you make sense...

Yofii Personal Finance

How to Manage Your Money

Personal Finance, for the rest of us! Easy steps on how to manage your money within your means. A group of philosophers from New York City once said: “Cash Rules Everything Around Me! C.R.E.A.M.!!! Get the money! Dollar, dollar bills yall” Philosophers: Wu-Tang Clan We don’t believe money can buy...

New Year New Debt

New Year Resolution? What’s Ours? Debt Free 2019!

New Year, New Debt? How's that a happy New Year! The results are in, and 2018 was a very difficult year for many. On the bright side, a new year is a new 12-months for you to accomplish a new set of goals with plenty of optimism. What’s your new...

How to Avoid A Holiday Induced 'Financial Hangover'

How to Avoid A Holiday Induced ‘Financial Hangover’

Oh, the holidays, a time to make memories with your loved ones, eat comfort food, and...get into debt? I don't remember seeing those movies growing up as a child... The sad truth is many Americans under budget for their holiday shopping and ends up receiving the gift that keeps on...