After the high-spend holidays, it's a good time to take inventory of those 2023 financial decisions — the good and the bad.

Perhaps you could have saved more money, paid off debt or taken that trip. Reflect on where your money went and the expenses that got in the way. A few money moves can add up in savings over the year. Here's how to potentially keep more money in your pocket in 2024.

1. Update your budget

Review your budget for opportunities to cancel unused subscriptions and swap products or services you won't miss for less costly alternatives. Comparison shop for better deals on expenses like medications, supplements, streaming services and others.

2. Plan to tackle high-interest debt

Explore options to lower high-interest debt on credit cards. With a good credit score of 690 or higher, you might qualify for a balance transfer credit card that allows you to move some or all of your high-interest debt onto it at a lower rate. The ideal balance transfer credit card will have no annual fee, a low balance transfer fee of 3% or less, and a lengthy 0% introductory APR. Weigh the cost of the fee against projected interest payments to determine whether it's right for you.

If you're struggling to keep up with bill payments and essential expenses, consider seeking the help of a counselor at a nonprofit credit counseling agency. They can help with budgeting and determine whether you're eligible for a debt management plan that consolidates multiple credit cards into one single low-interest fixed payment.

3. Negotiate your bills

If it's been a while since you've shopped competitor prices for different bills, carve out some time. Some bills may be negotiable, including your cell phone, internet, insurance or others, says Matt Becker, a certified financial planner at Mom and Dad Money, a financial planning practice. Use competitors' prices as leverage in your negotiation.

"It's any bill that you have where there is a viable competitor for that same service where you can tell them you're planning on switching," Becker says. "Even if they don't have anything for you at the very end you can say, 'You know what, I'm going to keep what I have.'"

4. Open a high-yield savings account

Grow your emergency fund at an online bank that offers a higher annual percentage yield, upwards of 4% on savings accounts, than the average national rate of 0.46%.

Becker encourages people to save for an emergency fund in stages, with stage one being a minimum goal of $1,000 in a savings account, stage two being enough to cover a month's worth of expenses, and stage three as having enough to cover three to six months of living expenses.

5. Use your credit card benefits

Your credit card may have little-known perks that can potentially save you money. For instance, some credit cards offer credits on eligible rideshare services, shipping, food deliveries, or even streaming services.

A useful benefit like cell phone protection can keep you from paying out of pocket for coverage when you use an eligible credit card to pay the cell phone bill. To learn about your card's benefits, log into your account or call the issuer.

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