Periodically review your existing loans and credit cards with an eye toward saving money. "Talk to a customer service representative at your bank to make sure you're signed up for the accounts and features that best fit your needs, especially if your financial situation has changed recently," said Janet Kincaid, FDIC Senior Consumer Affairs Officer. "For example, if you tend to carry a balance on your credit card, find out if you qualify for a credit card with a lower interest rate or other features that can cut your costs."

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