Understanding Balance Transfers

The Worst Kept Secret in Personal Finance!

Balance Transfers: The Worst Kept Secret in Personal Finance! Understanding Balance Transfers What if we told you, you didn’t have to pay interest or fees on your credit card balance for a whole year? What if we told you…doing so could help you get out of debt faster? Would you...

Good Debt vs. Bad Debt – Yofii

What is Good Debt? What is Bad Debt?

Good Debt vs. Bad Debt What’s the difference? Many of us were conditioned to believe all debt was bad. Did you know there is actually ‘good debt’? Mind-blowing huh? Did you know, people without credit cards usually have lower credit scores than people with credit cards? We often hear a...

Yofii BETA Time

BETA!? Announcing the Yofii BETA! 💃🏽🎉🕺🏽

Happy BETA Day! What’s your favorite type of announcement? Our favorite type of announcement is always HUGE! After countless hours (over 4,000 hours), sleepless nights (the Sandman couldn’t find our address), blood (it was actually ketchup), sweat (we’re waving bye to that dad bod for the summer), and tears (we’re...

Interest: What you should know

The Art of Credit Card Interest. What You Should Know!

Mastering the Art of Credit Card Interest If we have learned anything from dating apps, ‘interest’ sometimes is the hardest part of all. Fortunately for you, Yofii will always swipe right, so we can make a real connection. Now that we got the creepiness out the way, let’s talk about...

Understanding Credit Card APR's

Understanding Your Credit Card APR!

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...

Yofii Credit Cards

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

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,...

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...