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For example, a user can modify their budget beforehand to account for variations in spending, such as when holidays or other events cause them to spend more during particular months. Instead of only responding to their financial situation, users can take advantage of these insights and start managing their money proactively. With its user-friendly interface, Yono streamlines the frequently time-consuming process of fund transfers & bill payments. The app makes it simple for users to schedule credit card, utility, and other recurring expense bill payments.