Pay off your debt.

Pay off your debt. Banks charge you far more on your debt than they pay on your deposits. Right now, you’re probably paying significantly more interest on your credit card balance than you’d earn on your savings account. Aim to pay it off each month. Use automatic payments to make sure you don’t miss any deadlines.
Shop around. Is it time to sign up again for your home or renter’s insurance? Phone service due for renewal? Spending a few moments online can help you save if you find a better rate.
Schedule a spending checkup. Once a year — put a date in your calendar — check whether it makes sense to pay down or refinance your mortgage or other loans. (Maybe there’s a free counseling service that can advise you.)
Know your options. Look for freebies and discounts. Don’t miss out on your AbbVie benefits.