If you’ve clicked into this article, I’m already assuming you’re the “good with money” friend. Maybe you’ve been saving your cash since you got an allowance, started researching 401(k)s after you got your first job, or you’ve never met a credit card bill that you haven’t paid in full. However you slice it, I’m tipping my hat to you, you money genius.

Even so, as the financially savvy friend you know that there’s always room to expand your knowledge. Whether you’re hacking your way to a better credit score, aiming for healthier savings, or trying a new spending strategy, there are always simple ways to get more out of your hard-earned cash. Plus, with the notoriously spendy holidays upon us once again, the time has never been better to add some new money moves to your repertoire.

If you f

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