Make more
room for money!
Here area few things you should avoid in your wallet - now and
forever!
Social
Security Card - “This
is the number one item never to carry with you,” says Natalie Colley, an
analyst with New York City-based wealth-management firm Francis Financial.
“Someone with access to your Social Security number can easily open accounts in
your name.” Keep your card at home, in a locked file cabinet or safe, along
with your passport.
Coupons -Got a clipping habit? Swap it for
the Grocery Pal app, which displays weekly sales at
supermarkets in your area.
Receipts -Refuse receipts from grocery stores,
delis, and coffee shops. Throw out any in your wallet right now. Planning to
return an item or submit a receipt for reimbursement? Get that paper out of
your wallet daily and into one of two folders: expenses or potential returns.
At clothing stores and the like, if you’re offered an e-mail receipt, take it.
Set up an e-mail address just for receipts to shield your main e-mail address
from mailing lists.
Other
People’s Business Cards -Colley
recommends CamCard, an app that lets you snapshot the
info and make it searchable by name.
Coins -Even though your wallet has a
compartment for change, it should never see a coin. “Use that spot for tiny
emergency items—Band-Aids, safety pins, earring backs,” says Colley. Drop
change you receive in your pocket so that you’re reminded to use it that day.
Whatever remains goes in a jar by the door at home.
Store Loyalty
Cards -Most stores
allow you to type in your phone number to access your account. “Go that route,”
says Colley, and trash the actual cards. Or consolidate everything into your
phone with the Keyring app, which can hold it all—your
supermarket, drugstore, library, and gym cards.
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