These are all great tips, especially opening a love account. This might be an example of thinking outside the box, or more precisely, thinking outside the bank. Before opening a new account at a brick and mortar institution, be sure to check out the requirements. You don’t need to be dinged by extra fees or be held to ridiculously high minimum balances that tie up your money in lieu of paying penalties. If your bank doesn’t waive fees for bundled accounts, you’d do well to compare online companies that are more consumer friendly. This is already a go-to tactic for millennials that requires a new mindset for veterans trained for decades to place their money with familiar neighborhood institutions. Yet, this is all part of a reset and rewarding financial mindset that will benefit you going forward.