Do you have orphan investment or bank accounts that need attention? By combining them, the resulting higher balance may help avoid or reduce fees and even nab you get better deals, not to mention, it will help streamline your financial life. If you are stashing your emergency reserve in a traditional commercial bank, check out some of the higher yielding options online, which are likely to pay higher rates of interest.
If not, consolidate old plans into one IRA Rollover account at a firm that offers cheap index funds. Combining accounts makes it easier to monitor your entire portfolio and ensure that your money is properly diversified. Also, while the convenience of mobile payment apps is great, balances earn no interest, which is less than even the stingiest of banks. Move balances into accounts that can earn something.
Now, it makes sense to slim down on those extra subs as we find more to do out of the house. Use extra savings to pay down debt, beef up savings, increase retirement or investment account contributions, or pay for the higher cost of gas!
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