Blog
El blog de Vekfinance
Guías de dinero en lenguaje claro, escritas por quienes crearon la app. Sin relleno, sin spam de afiliados.
- Money basics6 min de lectura
Credit utilization, explained: the score factor you control this month
Payment history takes years to build. Utilization you can change before your next statement closes. Here is how it actually works, including the per-card detail most guides skip.
Leer la guía - Guide7 min de lectura
How to separate business and personal expenses when you are the whole company
Mixed money is the default state of every freelancer. Here is a system that keeps business and personal apart without a second app, a bookkeeper, or a spreadsheet you abandon in March.
Leer la guía - Privacy6 min de lectura
What does an AI financial coach actually see? Here is ours, byte for byte
Every budgeting app is adding an AI assistant. Almost none will show you what it reads. Here is the exact de-identified payload our coach received for a real question, and what it never received.
Leer la guía - Privacy5 min de lectura
Is your budgeting app selling your data? How to tell
A free budgeting app has to pay for itself somehow. Here is how they historically did it, the questions that cut through the marketing, what to read in a privacy policy, and how a paid model changes the math.
Leer la guía - Debt5 min de lectura
How to pay off credit card debt fast: avalanche vs snowball
The avalanche method is the cheapest way to clear credit card debt; the snowball is the most motivating. Here is a worked example with real numbers, when each one wins, and how to keep going.
Leer la guía - Privacy6 min de lectura
Your budgeting app should not read your transactions
Free finance apps usually pay for themselves with your data. Here is how to tell the difference between marketing and architecture, and how an app can use AI without ever seeing your raw transactions.
Leer la guía - Money basics6 min de lectura
Savings buckets: how to make one account do many jobs
One savings account, many goals. Sinking funds (or 'buckets') give every dollar a job so an annual bill or a vacation never blows up your month. Here is a system that stays simple.
Leer la guía - Guide7 min de lectura
Life after Mint: a 2026 guide to actually replacing it
Mint is gone and Credit Karma is not a replacement. Here is a practical, no-fluff plan to rebuild your budget, bank sync, categories, and debt payoff somewhere private.
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