7. Open an Account

It's always a good idea to have accounts at various financial institutions, so when you see those "get $100 for opening a savings account" ads, why not open an account?

Don't do it all the time, of course, but choose one new account every year or two, an account that doesn't have a debit card (so you can't spend the money), and sock some cash there every month or so.

Use Your Discounts