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Below are five most useful things you need in your wallet.

Candy Tv The Only 5 Things You Need In Your Wallet

Time to declutter that bad boy in you!

  • Debit Cards

Pop the CC you use most and your debit card in easy-to-reach slots. You can also pack one backup,but that’s it. Toting every card you own (typically, around three or four) can lead to overspending, says ShannonMcLay, founder of the Financial Gym.

  • Personal ID

Still required for every wallet: a state ID or a driver’s license. You’ll need it for happy-hour age checks, traveling, verifying credit-card purchases, and any emergencies that come up. Don’t leave home without it.

  • Cash

Stash bills, like fives and ones, for tips and little purchases, such as snacks or gum—key for avoiding pesky charge- card minimums (of, say, #20,000 when all you want is a #8,000 deli sandwich).

  • Insurance Info

Carry your health-insurance card, says Bobbi Rebell, host of the FinancialGrownup podcast. If you’re in an accident, you’ll avoid a major hassle by having it handy. Tape emergency-contact info to the back, so someone can call Mom stat.

  • Punch Cards

Ah, the annoying space hogs. But why pay for your next latte when you could get it for free? Stow the three punch cards you use most, says Rebell, and keep decluttering by asking for e-receipts.

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