I had two credit card accounts that I rarely used. I called Citibank and converted one of those cards to the Double Cash Card. I like how straightforward the card is: I get 1% cash back when I make a purchase, and 1% back when I pay my balance. I closed the second card completely. Soon I will close my Chase Ink Business card. Now that I can ean 2% cash with my Citibank card, the only benefit of the Ink card is the 5% cashback on office supplies and cell phone bill. That isn't worth the $95 annual fee.
We are working hard on getting rid of unnecessary material things. I don't like to be distracted by my belongings. This includes the wardrobe, where I am paring back clothes I no longer wear, decor around the house, which just collects dust, and tools, which I own a lot of from working on rental properties. Since I have transitioned most of the rental properties to management companies I no longer need a lot of the tools I have come to own. I'll be donating a lot of things, with the goal of taking everything to a charity drop off some time in July.