Additional Coverage:
- 11 Things You Should Always Carry In Your Wallet (financebuzz.com)
Your wallet: It’s practically glued to your hand. But are you carrying the right things?
Sure, you need your essentials, but some items are better left at home. Think spare house keys, your Social Security card, blank checks, and anything with passwords written on it.
These are prime targets for identity thieves.
A blank check in the wrong hands is a recipe for disaster. And handing a stranger your spare key along with your ID? That’s just asking for trouble.
So, clean out that wallet! Toss the old receipts and make room for these 11 essentials:
- ID: A driver’s license, state ID, or student ID is vital for everyday life.
- Two Credit Cards: One is good, but two is better. If one card malfunctions or isn’t accepted, you have a backup.
- Debit Card: For quick access to your bank account.
- Emergency Contacts: A small card with names and numbers can be invaluable in a crisis.
- Cash: Even in a digital world, cash is still king sometimes. Keep a reasonable amount, maybe $100-$300 in smaller bills.
- Transit Pass (If Applicable): Essential for city dwellers and commuters.
- Emergency Medical Info: List any allergies or medical conditions. This information can be crucial for first responders.
- Travel-Sized Bandage: Tuck one into a credit card slot for minor cuts and scrapes.
- Membership Cards: Keep your frequently used cards handy, like those for warehouse clubs.
- Portable Phone Charger: A wallet-sized charger can be a lifesaver.
- Business Cards: For networking opportunities. You never know who you’ll meet.
A streamlined wallet is more efficient and can even help you manage your spending. Sticking to a couple of credit cards can curb overspending and boost your savings. Remember, a clutter-free wallet is a happy wallet.
Finally, a few financial tips: Tackle your debt, consider ways to earn extra income, and look for ways to cut expenses. Even small changes can make a big difference to your financial health.
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- 11 Things You Should Always Carry In Your Wallet (financebuzz.com)