Moneyning.com Review

Based on looking at the website, Moneyning.com positions itself as a long-standing resource since 2007 for financial insights, focusing on saving money, investing, frugal living, and coupons.

While it offers a breadth of articles on various personal finance topics, a critical review reveals several significant concerns, particularly from an ethical standpoint and concerning the promotion of interest-based financial products.

The site’s primary focus appears to be generating affiliate income through recommendations that may not align with Islamic financial principles.

Overall Review Summary:

• Website Focus: Personal finance blog, articles on saving, investing, debt, frugal living.
• Content Quality: Appears to offer practical tips and discussions, some well-reseourced with external links.
• Ethical Concerns Islamic Perspective: High risk. Promotes interest-based financial products e.g., student credit cards, savings accounts that typically involve interest and discusses interest-bearing debt strategies without addressing the impermissibility of riba interest in Islam. The site’s monetization through these offerings is problematic.
• Transparency: States that it “may receive compensation from companies to offer an opinion about a product or service,” which is standard for affiliate sites, but does not provide an Islamic perspective on the financial products it reviews or promotes.
• User Experience: Clear navigation, easy to read articles, offers email signup for an e-book.
• Overall Recommendation: Not Recommended due to its promotion and implicit endorsement of interest-based financial instruments and practices, which are strictly prohibited in Islam.

While Moneyning.com provides advice on saving and budgeting, the pervasive presence of content promoting interest-bearing savings accounts, credit cards, and debt management strategies that involve dealing with interest even if the goal is to pay it off makes it unsuitable for those seeking financially permissible guidance. The core issue is the normalization and active discussion of riba-centric financial tools without any disclaimer or alternative for a Muslim audience. This directly conflicts with the foundational principles of Islamic finance, which emphasize ethical dealings, avoidance of interest, and promotion of equity-based transactions. For anyone striving to manage their finances in a way that is pleasing to Allah, this platform inadvertently steers users towards prohibited practices.

Here are some best alternatives for ethical financial management resources:

• Islamic Finance Guru IFG
  • Key Features: Comprehensive articles on halal investing, ethical banking, sharia-compliant mortgages, business finance, and wealth management. Offers guides, courses, and a community forum.
  • Price: Many articles are free. some courses or premium content may have a cost.
  • Pros: Explicitly sharia-compliant. covers a wide array of financial topics from an Islamic perspective. focuses on ethical wealth building. provides practical solutions for Muslims.
  • Cons: Content can be advanced for beginners. some specific product recommendations might be UK-centric but principles are global.
• Amanah Finance
  • Key Features: Focuses on Islamic banking and investment, offering insights into halal financial products and services. Explores ethical investment strategies and sharia-compliant alternatives.
  • Price: Free content.
  • Pros: Dedicated to Islamic finance principles. offers clear explanations of complex topics. promotes alternatives to conventional finance.
  • Cons: May not cover general budgeting or frugal living as extensively as dedicated personal finance blogs. product availability might vary by region.
• Zoya App
  • Key Features: Sharia stock screening app for investors, halal portfolio tracking, and ethical investment research. Helps users identify sharia-compliant stocks and ETFs.
  • Price: Free tier available. premium subscription for advanced features e.g., $14.99/month or $149.99/year for premium.
  • Pros: Essential tool for Muslim investors to ensure compliance. user-friendly interface. constantly updated sharia compliance status for thousands of stocks.
  • Cons: Primarily for stock market investors, not a general personal finance resource. subscription cost for full features.
• Wahed Invest
  • Key Features: Halal automated investing platform robo-advisor for individuals. Offers diversified portfolios constructed according to Islamic principles, including ethical funds.
  • Price: Management fees typically range from 0.49% to 0.99% of assets under management AUM, depending on the service tier.
  • Pros: Fully sharia-compliant investment portfolios. low minimums. easy to set up and manage. ideal for passive investing.
  • Cons: Limited control over specific investments. not a comprehensive financial advisory service.
• Lariba Bank
  • Key Features: One of the pioneering Islamic financial institutions in the US, offering interest-free financing for homes, businesses, and personal needs. Focuses on asset-backed financing.
  • Price: No interest charged. fees apply for services and profit-sharing models are used instead of interest.
  • Pros: Provides a practical, real-world alternative to interest-based loans and mortgages. focuses on ethical, sharia-compliant transactions.
  • Cons: Limited availability in some regions. specific requirements for financing applications. not a broad resource for general financial planning.
• Practical Islamic Finance
  • Key Features: Blog and resources dedicated to explaining Islamic finance concepts in a practical, accessible way. Covers topics like zakat, investments, and ethical business.
  • Pros: Focuses on actionable advice for Muslims. clarifies complex Islamic finance rules. emphasizes practical application.
  • Cons: Primarily a blog, not a direct service provider. content may not be updated as frequently as larger platforms.
• Islamic Finance News IFN
  • Key Features: A leading global news and intelligence service for the Islamic financial industry. Provides daily news, interviews, and analyses of sharia-compliant financial markets.
  • Price: Subscription-based for full access. some news and reports may be freely available.
  • Cons: More of a news portal than a personal finance guide. subscription can be costly for individuals.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Moneyning.com Review & First Look

When you land on Moneyning.com, the immediate impression is that of a long-standing personal finance blog.

Launched in 2007, it carries the weight of over a decade of content, aiming to be a go-to resource for anyone looking to “carefully saving money, investing, frugal living, coupons, promo codes.” The homepage prominently features recent articles, touching on a range of topics from managing extra money to debt strategies and saving on kids’ activities.

It’s designed for readability, with a clean layout and easy navigation to different content categories like “Frugal Living,” “Investing 101,” and “Money Management.”

The site’s longevity suggests a consistent effort to provide content.

However, for a discerning reader, especially one mindful of ethical financial practices, the initial scan quickly flags potential issues.

The articles, while seemingly practical, frequently discuss and even recommend financial products that are inherently problematic from an Islamic perspective.

For instance, the article “Why Should I Give My Kids a Student Credit Card?” directly promotes engaging with interest-based financial instruments, which is a major red flag.

Similarly, discussions around “Debt Snowball – Highest Interest vs Smallest Loans First” presuppose the existence and management of interest-bearing debt without offering any sharia-compliant alternatives or disclaimers.

This fundamental misalignment between the site’s advice and ethical financial principles is a critical point of concern.

Initial Impressions and Content Scope

The homepage is organized to highlight recent and popular articles, offering a snapshot of the blog’s content. Airductcleaning-oakland.com Review

You’ll find a mix of advice, from broad financial planning “4 Things You Should Do With Extra Money ASAP” to very specific consumer choices “What Does Buying a Hot Tub Really Cost?”.

• Breadth of Topics: Moneyning.com covers a wide spectrum of personal finance issues, including:
  • Frugal Living: Tips on saving money in daily life, shopping locally, and reducing household expenses.
  • Investing: Basic guides though “Investing 101” often points to conventional, not necessarily ethical, approaches.
  • Debt Management: Strategies for paying off debt, like the debt snowball method.
  • Coupons and Promo Codes: A dedicated section for finding deals.
• Article Structure: Articles are typically detailed, often citing external data e.g., a CareerBuilder report on living paycheck to paycheck and breaking down complex ideas into digestible points. They include “continue reading” links, encouraging deeper engagement with the content.
• Call to Action: The site encourages user interaction through comments and offers a free e-book on saving money in exchange for email signup, a common digital marketing strategy.

Ethical Considerations: Riba and Interest-Based Products

The most significant ethical concern with Moneyning.com, particularly for a Muslim audience, revolves around its uncritical discussion and promotion of interest-based financial products and services.

• Credit Cards: The article advocating for student credit cards is a prime example. In Islam, engaging with riba interest, whether giving or taking, is strictly prohibited. Promoting credit cards, which are fundamentally interest-bearing instruments unless paid off in full every month, which many users fail to do, leading to interest accumulation, goes against this principle.
• Savings Accounts: While not explicitly stating that all “Best Online Savings Accounts” are interest-bearing, it’s a common assumption that traditional savings accounts generate interest. Again, this presents a problem for Muslims seeking sharia-compliant options.
• Debt Management: Even strategies like the “debt snowball,” while aiming to eliminate debt, discuss managing interest-bearing loans. While the intention might be to help people escape debt, the very existence and discussion of such debt without acknowledging its impermissibility is a point of concern. The site does not offer sharia-compliant debt consolidation or management alternatives.
• Affiliate Disclosures: The disclosure at the bottom of the page states: “This site may receive compensation from companies to offer an opinion about a product or service.” This is a standard practice for review sites, but when those products involve riba, the compensation effectively comes from a prohibited source, which is ethically problematic for an Islamic audience.

For those adhering to Islamic financial ethics, the site’s content, despite its practical advice on general savings, inherently conflicts with core tenets. It fails to provide guidance on avoiding riba or to offer sharia-compliant alternatives, instead normalizing practices that are forbidden.

Moneyning.com Cons

Delving into Moneyning.com, several aspects raise concerns, particularly when viewed through the lens of ethical financial practices.

While the site attempts to be a helpful resource, its drawbacks are significant for a discerning audience.

The most prominent con is its endorsement of interest-based financial instruments, which is a fundamental ethical red flag.

Promotion of Interest-Based Financial Products

This is the paramount concern. Moneyning.com, through its articles and recommendations, directly or indirectly promotes financial products and strategies built upon riba interest.

• Credit Cards: The discussion around student credit cards actively encourages engagement with a system where interest is a core component. Even if the advice is to pay off the balance in full to avoid interest, the fundamental mechanism of credit cards involves riba. According to a 2023 report by Experian, the average American credit card debt hit $6,501, highlighting how frequently interest accrues. Promoting these tools without a strong Islamic caveat is problematic.
• Savings Accounts: Recommending “Best Online Savings Accounts” implies interest-bearing accounts, which are the standard in conventional finance. For Muslims, this is not a permissible avenue for saving.
• Debt Repayment Methods: While discussing debt snowball or avalanche methods for interest-bearing loans aims to help individuals clear debt, the context itself is within a riba-laden financial system. There’s no exploration of sharia-compliant alternatives for debt management or avoiding such debt in the first place.

Lack of Ethical/Sharia-Compliant Alternatives

A major gap in Moneyning.com’s content is the complete absence of alternatives that align with ethical or Islamic financial principles.

• No Halal Investment Options: The “Investing 101” section does not delve into sharia-compliant investments, such as halal stock screening, ethical funds, or asset-backed investments. It defaults to conventional investing, which often involves companies with impermissible dealings.
• No Interest-Free Financing: The site doesn’t explore interest-free loan options, Islamic mortgages Murabaha, Musharaka, or other sharia-compliant financing methods. This oversight means users seeking ethical financial solutions will not find relevant guidance.
• General Ethical Blind Spot: The site appears to operate solely within the framework of conventional finance, failing to address ethical considerations beyond basic consumer advice. There’s no discussion of socially responsible investing SRI or environmental, social, and governance ESG factors beyond very superficial mentions, let alone the deeper ethical requirements of Islamic finance.

Affiliate Marketing Focus

While not inherently negative, the site’s business model, which relies on affiliate marketing, raises concerns when applied to riba-based products.

• Monetization Conflict: Moneyning.com explicitly states, “This site may receive compensation from companies to offer an opinion about a product or service.” If these “products or services” are interest-based, then the site is profiting from promoting riba, which is impermissible. This creates a conflict where the site’s financial incentive may override ethical considerations.
• Implicit Endorsement: By featuring and reviewing conventional banks, credit card companies, and investment platforms, Moneyning.com implicitly endorses their practices, even if they contradict Islamic principles. This can mislead readers who might assume the recommendations are universally beneficial.

General Content Limitations for an Ethical Audience

Beyond the core riba issue, there are other limitations when assessing Moneyning.com for an ethically conscious user. Airductcleaningantioch.com Review

• Surface-Level Ethical Discussion: While it touches on general “frugal living,” the underlying ethical framework is absent. For instance, saving money is encouraged, but not explicitly tied to avoiding waste or consumption based on ethical production.
• Focus on Consumerism: Many articles revolve around consumer choices e.g., buying a hot tub, extracurricular activities, which, while practical, sometimes overshadow deeper discussions about financial independence and ethical wealth building beyond mere cost-cutting.

Moneyning.com Alternatives

Given the significant ethical concerns regarding Moneyning.com’s promotion of interest-based financial products, seeking alternatives that align with Islamic principles is crucial.

Fortunately, a growing ecosystem of sharia-compliant financial resources exists.

These platforms prioritize ethical wealth management, interest-free transactions, and socially responsible investing, offering a clear path for Muslims to manage their finances according to their faith.

Here are categories of alternatives that provide ethical financial guidance and services:

Sharia-Compliant Investment Platforms

These platforms offer automated or guided investment services that exclusively invest in halal permissible assets, avoiding industries like alcohol, gambling, conventional finance, and weapons.

• Wahed Invest: A pioneer in the halal robo-advisory space, Wahed Invest provides diversified portfolios tailored to an investor’s risk tolerance, all screened for sharia compliance. They offer different portfolio options, from conservative to aggressive, and continuously monitor investments to ensure they remain halal. They have a global presence, making them accessible to many.
• Amanah Ventures: While more focused on venture capital and private equity for accredited investors, Amanah Ventures represents the broader shift towards sharia-compliant private investments, providing ethical opportunities beyond public markets.
• Zoya App: This app is essential for individuals managing their own stock portfolios. Zoya provides real-time sharia compliance screening for thousands of stocks, helping users identify and invest only in permissible companies. It breaks down the compliance analysis, giving investors confidence in their choices.

Islamic Banks and Financial Institutions

These institutions offer banking services, financing, and mortgages that are structured to be interest-free, using profit-sharing, lease-to-own Ijarah, or cost-plus-profit Murabaha models instead of interest.

• Lariba Bank: One of the longest-standing Islamic financial institutions in the US, Lariba offers interest-free home financing, commercial financing, and other sharia-compliant financial services. They demonstrate how traditional banking functions can be adapted to adhere to Islamic law.
• Guidance Residential: A leading provider of sharia-compliant home financing in the US, Guidance Residential utilizes the Declining Balance Co-ownership Program Musharaka Mutanaqisah to help Muslims purchase homes without conventional interest.
• American Islamic Finance AIF: AIF facilitates various sharia-compliant financial solutions, including home financing, commercial financing, and investment advisory services, catering specifically to the needs of the Muslim community in the US.

Educational Resources and Blogs on Islamic Finance

For those looking to understand the principles of Islamic finance and apply them to their personal lives, these resources offer valuable insights and practical guidance.

• Islamic Finance Guru IFG: IFG is a comprehensive platform providing articles, guides, and news on all aspects of Islamic finance, from halal investing and ethical banking to entrepreneurship and wealth management. They break down complex topics into understandable formats and actively review sharia-compliant products and services.
• Practical Islamic Finance: This blog offers practical advice and explanations on various Islamic finance topics, aiming to make sharia-compliant financial living accessible and understandable for everyday Muslims.
• My Halal Savings: Focuses specifically on halal savings strategies, ethical budgeting, and responsible financial planning within an Islamic framework. They provide actionable tips for managing money without resorting to interest-based products.

Ethical Financial Planning Services

These services offer personalized financial advice, helping individuals align their financial goals with their ethical values, including Islamic principles.

• Islamic Finance Advisory IFA: While specific offerings vary, many independent financial advisors now specialize in Islamic finance, providing personalized advice on halal investments, zakat planning, and sharia-compliant estate planning. Searching for “Islamic financial planner near me” can connect individuals with such experts.

These alternatives not only provide services that align with Islamic principles but also offer valuable educational content that empowers individuals to make informed, ethical financial decisions.

They represent a robust ecosystem for Muslims seeking to manage their wealth responsibly and in accordance with their faith. Drylinepro.com Review

How to Cancel Moneyning.com Subscription

It’s important to clarify that Moneyning.com does not operate on a traditional subscription model for accessing its core blog content.

The articles and resources on the site are freely available without requiring any paid membership or recurring subscription.

Therefore, there isn’t a “Moneyning.com subscription” in the sense of a paid service that needs to be actively cancelled.

Understanding Moneyning.com’s Engagement Model

Moneyning.com primarily functions as a content platform, a blog that generates revenue through:

• Affiliate Marketing: Recommending financial products, services, or companies like “Best Online Savings Accounts” or “Verizon Fios Promotion Code” and earning a commission when readers click through and sign up or make a purchase.
• Advertising: Displaying ads on its pages.
• Email List: Offering a “free ebook on How to Save Money on Everything!” in exchange for an email address. This is a common lead generation strategy, building an audience for future communication, such as newsletters.

Because there is no paid subscription, there’s no billing or recurring charges directly from Moneyning.com that you would need to cancel.

Cancelling Email Newsletter Opt-ins

If you have signed up for their free e-book or opted into their email newsletter, you can easily unsubscribe from their mailing list.

This is the closest thing to “cancelling a subscription” you might encounter with Moneyning.com.

• How to Unsubscribe:
  1. Check Your Email: Open any email you’ve received from Moneyning.com e.g., their newsletter or a follow-up after signing up for the e-book.
  2. Look for “Unsubscribe” Link: Scroll to the very bottom of the email. You will almost always find a small, often discreet, link that says “Unsubscribe,” “Manage Preferences,” or “Opt-out.” This is a legal requirement for email marketing under regulations like CAN-SPAM Act in the U.S.
  3. Click and Confirm: Click the unsubscribe link. You might be directed to a webpage asking you to confirm your decision or provide a reason for unsubscribing. Follow the prompts to complete the process.
  4. Confirmation: You should receive a confirmation that you have been unsubscribed from their mailing list. It may take a day or two for emails to stop completely.

Important Note: Unsubscribing from their email list will not affect any accounts you may have opened with third-party financial products or services that Moneyning.com reviewed or linked to. For those services, you would need to contact the respective company directly to manage or cancel those accounts.

Moneyning.com Pricing

Moneyning.com is a content-driven website that does not charge users for access to its articles, reviews, or general information.

Therefore, there is no direct “pricing” or subscription fee associated with using the Moneyning.com website itself. Tangowire.com Review

How Moneyning.com Generates Revenue

Instead of charging users, Moneyning.com, like many other personal finance blogs, relies on several common monetization strategies to support its operations:

• Affiliate Marketing: This is a primary source of income. Moneyning.com features reviews and mentions of various financial products, services, and brands e.g., “Best Online Savings Accounts,” “Verizon Fios Promotion Code,” “Personal Capital Review”. When a reader clicks on a link from Moneyning.com and subsequently signs up for a product or service, makes a purchase, or fulfills a specific action, Moneyning.com earns a commission from the third-party company.
  • Transparency: The site includes a disclaimer at the bottom of its pages: “This site may receive compensation from companies to offer an opinion about a product or service. We strive to provide honest opinions and findings, but the information is based on individual circumstances and your specific experiences may vary.” This disclosure is standard for affiliate sites and indicates their revenue model.
• Advertising: Moneyning.com may display banner ads or other forms of programmatic advertising on its pages. These ads generate revenue based on impressions how many times they are viewed or clicks.
• Lead Generation: Offering a “free ebook on How to Save Money on Everything!” in exchange for an email address is a way to build an email list. This list can then be used for email marketing, promoting their own content, or, in some cases, promoting affiliate offers directly through email.

Implications of Their Revenue Model

For the user, the absence of direct fees means you can access all the content without any financial commitment to Moneyning.com itself.

However, it’s crucial to understand how this model influences the content:

• Bias Potential: While Moneyning.com states it strives for “honest opinions,” the fact that they receive compensation can create an inherent bias towards promoting products or services that offer better affiliate commissions. This is a common criticism of review-based affiliate sites.
• Ethical Concerns for a Muslim Audience: As discussed, if the affiliate products or services promoted involve riba interest or other non-halal activities, then the revenue generated from these affiliations becomes ethically problematic from an Islamic perspective. For instance, promoting “online savings accounts” that typically offer interest would fall into this category.

In summary, using Moneyning.com is free for the end-user.

The “cost” is borne by the companies that pay affiliate commissions or advertising fees, indirectly funded by the products and services that users might sign up for.

For those seeking ethical financial guidance, the lack of direct pricing is overshadowed by the deeper ethical considerations of the content and its monetization.

FAQ

What is Moneyning.com?

Moneyning.com is a personal finance blog established in 2007 that provides articles and insights on saving money, investing, frugal living, money management, and deals/coupons.

Is Moneyning.com free to use?

Yes, all content on Moneyning.com, including its articles, reviews, and general information, is accessible to users for free.

There are no direct subscription fees or charges to browse the website.

How does Moneyning.com make money?

Moneyning.com generates revenue primarily through affiliate marketing, where it earns commissions when users click on links and sign up for third-party financial products or services that it reviews or promotes. Detech-metaldetectors.com Review

It may also earn revenue through advertising displayed on its site.

Does Moneyning.com offer financial advice?

Moneyning.com states that the “Information presented…is intended for informational purposes only and should not be mistaken for financial advice.” It advises users that content may not be appropriate for their specific circumstances and to visit official sites for up-to-date information.

Are the financial products recommended on Moneyning.com sharia-compliant?

No, based on the content available, Moneyning.com frequently discusses and promotes conventional financial products such as credit cards and online savings accounts that typically involve riba interest, which is impermissible in Islam. The site does not focus on or endorse sharia-compliant alternatives.

Why is Moneyning.com not recommended for Muslims?

Moneyning.com is not recommended for Muslims because it promotes and normalizes engagement with interest-based financial instruments riba, such as credit cards and conventional savings accounts. This directly conflicts with the foundational principles of Islamic finance, which strictly prohibit riba.

Does Moneyning.com have a subscription service?

No, Moneyning.com does not have a paid subscription service for its content.

Users can access all articles and resources without any recurring charges.

The closest thing to a “subscription” is their free email newsletter, which users can opt into.

How can I unsubscribe from Moneyning.com emails?

You can unsubscribe from Moneyning.com’s email newsletter by opening any email you’ve received from them, scrolling to the bottom, and clicking the “Unsubscribe” or “Opt-out” link. Follow the prompts to confirm your request.

What kind of articles can I find on Moneyning.com?

You can find articles on various personal finance topics, including budgeting, saving strategies, debt management like the debt snowball method, frugal living tips, investing basics, and reviews of financial products or services.

Does Moneyning.com disclose its affiliate relationships?

Yes, Moneyning.com includes a disclaimer stating that it “may receive compensation from companies to offer an opinion about a product or service,” indicating its use of affiliate marketing. Isulit.com.ph Review

Are there any ethical personal finance alternatives to Moneyning.com?

Yes, many ethical and sharia-compliant alternatives exist, such as Islamic Finance Guru IFG for educational content, Wahed Invest for halal investments, and Lariba Bank for interest-free financing.

Does Moneyning.com offer advice on avoiding debt?

Moneyning.com offers advice on managing and paying off existing debt, including methods like the debt snowball.

However, it does not specifically focus on avoiding debt from an Islamic perspective e.g., avoiding interest-based loans.

What are the main cons of Moneyning.com?

The main cons include its promotion of interest-based financial products, a complete lack of sharia-compliant alternatives, and a revenue model that can create a bias towards conventional, often impermissible, financial offerings.

Is the content on Moneyning.com up-to-date?

While the site has been active since 2007, the recency of its articles varies.

Does Moneyning.com review specific financial products?

Yes, Moneyning.com features reviews of various products and services, such as “Ting Review” and “Personal Capital Review,” and also mentions specific financial institutions in its articles.

Does Moneyning.com provide tax advice?

No, Moneyning.com explicitly states its content is for informational purposes only and should not be mistaken for financial advice.

This generally extends to tax advice, which requires personalized consultation with a qualified professional.

What is the “About” section on Moneyning.com?

The “About” section provides information on the blog’s history, mission “Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes”, and what it aims to achieve for its readers.

Does Moneyning.com have a strong community presence?

The site shows comment sections for its articles e.g., “13 comments,” “44 comments”, indicating some reader engagement. Tutorboat.com Review

It also provides links to follow them on Twitter and connect on Facebook.

Does Moneyning.com recommend budgeting tools?

While Moneyning.com discusses money management and saving, it primarily focuses on general advice and strategies rather than specific budgeting tools or software.

Its recommendations lean towards financial products that may not be sharia-compliant.

How does Moneyning.com address privacy?

Moneyning.com states, “We also treat your privacy seriously.

Please take some time to understand our full privacy policies and disclaimers by clicking here,” linking to a dedicated policies and terms page.

This indicates an effort to comply with privacy regulations.