Money under control, life in flow – here's how

YUMO is your beginner's guide to money. Whether you're still at school, doing an apprenticeship, working or studying. YUMO explains how money works in a simple and understandable way. These are skills you've always wanted. And now you know where to start.

Because money is the silent partner in almost every choice we make as individuals and as a society, shaping everything from our schools and roads to healthcare and public safety. It’s the tool that helps us create shared prosperity. On a personal level, money reflects our priorities and helps us chase our dreams. It’s deeply personal. But the real secret about money isn’t about having the most.

It’s about using what you have to build the life you want.

What's your money mindset?

A quick check, a big revelation: a few questions, an honest picture. You'll see right away how you handle money.

Every step makes you more independent.

Strengthen your money skills

YUMO makes money fit for everyday use: you learn the basics, gain confidence and make decisions that suit you. Whether you're still at school, doing an apprenticeship, working or studying.

Tips that work. For more confidence and control.

How YUMO works

Compact, clear and no nonsense: bite-sized chunks, interactive content and quizzes show you how to really get your finances under control in everyday life.

Every step takes you forward.

New money skills every month

YUMO provides monthly updates: new tips, short exercises and clear examples. 

Free of charge – online and as a PDF.

Start smart with YUMO’s easy approach to money

February issue

Solve your money mystery

Money may be a mystery to many, but you can solve it. Discover how emotions and values shape money decisions. Spot patterns, identify values and define what “enough” means for you. Use budgets to achieve goals and avoid spending pitfalls.

What you’ll learn:

  • Figure out how you actually think about money and what really matters.
  • Spot the money beliefs you picked up from family or TikTok.
  • Name the emotions that make you spend.
  • Set goals that match the life you want, not what everyone else is doing.
  • Budget for fun stuff and stay out of money stress. Download budget template.(PDF, 756 KB)
  • Spot traps like sneaky costs and marketing tricks before they wreck your plans.

Ready to feel money-smart?
Start the quiz and discover the basics that build confidence for life.

Grow your financial knowledge every month

YUMO delivers fresh insights that are short, clear and practical. Each update is an opportunity: read it, apply it and see progress – YUMO gets you ready for your future.

Check back regularly and get your free money update – online or as a PDF.

  • January issue

    Economics in everyday life

    The economy is like gravity: a force of nature. You can work for it. Or it can work for you. Learn about prices, inflation and the cycle of boom and bust. See why governments struggle to control the economy and how cryptocurrencies aim to reshape it. This gets emotional. But not like you think.

    Take the quiz

  • February issue

    Solve your money mystery

    Money may be a mystery to many. But you can solve it. Discover how beliefs, emotions and values shape money decisions. Learn to spot patterns, identify your values and define what “enough” means for you. Unpack those paradoxes and use budgets to achieve goals and avoid spending pitfalls.

    Take the quiz

  • March issue

    Saving is boring. Not!

    Create the freedom to breathe easier, dream bigger and shape the life you want with a few simple saving and investing habits that build confidence, expand your options and help secure your future. Discover why time really is money.

  • April issue

    Healthy borrowing

    Borrowing can empower growth when used wisely but missteps create costly traps. Understand value, affordability and risks, so that you use credit responsibly and avoid pitfalls.

  • May issue

    Life stages. Big decisions.

    Navigate life stages with confidence. Learn how to make smart housing choices, support family, handle life’s big transitions and make early preparations that are sure to pay off with a comfortable retirement.

  • June issue

    Banks and shared prosperity

    Discover how banks actually work, how they serve society, make money, support our shared prosperity, and how they are evolving from crypto to blockchain, neobanks to regulation.

  • July issue

    Crystal ball, anyone?

    The only thing for sure about the future is that it’s going to be different than now. Discover how green innovation, AI and digital currencies are reshaping finance, and why lifelong learning matters more than ever.

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Here for you when it comes to money matters

Which account is best for saving? How do you get started with investing? Or would you like to open a retirement account? We’ll call you back and clarify everything together.
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Disclaimer

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