April issue

What you’ll learn

This month in YUMO: Debt appears on a spectrum. At one end it increases your personal value. At the other end it decreases it. Here’s how to tell the difference.

  • Recognize why impulsive or emotional spending rarely brings lasting value or satisfaction.
  • Learn to calculate your discretionary income and use it to make well-informed borrowing decisions. 
  • Identify how hidden fees can increase the total cost of borrowing.
  • Understand why credit records and the debt register matter and how easy they are to manage.
  • Learn how to recover confidently if you have too much debt.

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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.

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  • You are here

    April issue

    Smart 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.

  • 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.

  • 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.

  • March issue

    Investing for beginners

    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.

  • Coming soon

    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.

  • Coming soon

    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.

  • Coming soon

    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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New month, new money moves

A downloadable issue with quick reads, checklists and mini challenges to put your knowledge to work.

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.

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.

March issue

Investing for beginners

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

Smart 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.

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Ready to feel money-smart?

Start the quiz and discover the basics that build confidence for life.

Start economics quiz
Start money mystery quiz
Start investing quiz
Start smart borrowing quiz

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