If you have more than a few credit cards tucked inside your wallet, or even hidden in a dresser drawer, you may not use all of them regularly. It happens. You sign up for a new card for a specific purpose and stop using it.

We all have things in life we’d like to improve. Maybe it’s to eat better, exercise more, or simply to carve out more downtime in our busy lives. For many of us, there’s another part of our lives we’d like to improve: managing our money better.

If you are among those who receive an end-of-the-year (or even a beginning of the year) bonus, congratulations! Not everyone is fortunate enough to have some extra funds dropped into their checking account this time of year. In fact, research shows that only about 40% of U.S. workers will likely qualify for some kind of monetary work bonus this year. 

Creating and using a budget isn’t exactly fun for most people. If you’re one of them, one way to help things go smoother is to use an app. Here’s a breakdown.

One way to get the most out of your budget is to reduce subscription expenses. Here are some things to consider when dealing with subscription expenses.