Switch to a high-yield savings account — many are paying more than they have since 2009

2. You can contribute more to your 401(k) this year — do it.

3. Consider I-Bonds.  

Home equity hit record highs. Ditch private mortgage insurance (PMI) if you can.

Opt for a balance transfer

Inflation is rampant. Don’t buy a car or take that trip, if you can help it.

Switch insurance providers.

Get control of recurring expenses.

Consider a home equity line of credit (HELOC).

Income matters to this equation, so consider it.

Treat your bonus the way it deserves to be treated.