Money isn’t everything. Family, friends, love, health, happiness all defy reduction to monetary value. This blog’s focus on money isn’t meant to suggest that money is the most important thing. Rather, we believe that if you take certain steps to get your financial ship in order, it’s that much easier to enjoy everything else. With that in mind, here’s an overview of what you can expect from Y2C:

What this blog is about.

  • Ordinary people looking to make their money go further. Whether it’s loans, bank accounts, or credit card optimization, Y2C is all about helping people not leave money on the table.
  • Getting the most out of the money you already spend, or getting you the products and services you already use cheaper.
  • In-depth analysis of pros, cons, and other considerations relevant to a given financial decision, consistent with our guiding principles (see below).
  • Tools for approaching decisions where different preferences and value judgments may come into play.
  • Full disclosure of potential risks and conflicts of interest.*

What this blog isn’t about.

  • Creating demand, rather than optimally satisfying it, particularly for premium/luxury products.
  • Get-rich-quick schemes.
  • Vapid clickbait or other misleading, uninformative, regurgitated content designed to push page views.
  • One-size-fits-all answers that don’t take into account varying individual circumstances.
  • Financial or legal advice. No content on this site constitutes an attorney-client, advisor-client relationship, or any other sort of client relationship. All content is purely the authors’ discussion of how they would handle a given situation.

In our quest to provide easily accessible and understood information that you can use in your own life to save money, spend it wisely, and stretch it the farthest, here are the guiding principles that we strive to live by:

  1. Be Responsible.
    • If you can’t afford it, don’t buy it!
    • If you can’t spend responsibly with a credit card, don’t get one!
    • Make and stick to a budget.
    • Never ever miss a payment.
  2. Be Thoughtful.
    • Understand your priorities and your goals.
    • Seek value, not simply the lowest price.
    • Work the numbers out for yourself; don’t just rely on rules of thumb or conventional wisdom.
    • Factor in opportunity costs; disregard sunk costs.
  3. Be Organized.
    • Know what financial accounts you have and their different features.
    • Plan ahead.
    • Put important deadlines in a calendar.
    • Have your account information available for easy reference.

So that’s us here at Y2C. We don’t know everything, we’re happy to be proven wrong and correct ourselves, to put in the time to find the right answer, but hopefully we can talk about financial decisions in a way that is helpful to making the best decision for you.

*- Y2C may receive referral payments for products or services featured on the site. We appreciate you applying through our referral links, as these referrals help pay for the costs of maintaining and updating the site. Regardless, Y2C will always strive to truthfully recommend the best product or service, even if we don’t have a referral relationship with them.