That means that if you have extra money just sitting idle, either in a checking account or a low yield savings account, you might be better suited to put those funds into something that can grow faster. One tool that is really helpful for this is Decluttr. This is just like garage sale-ing. And since each app has its own unique offerings, signing up for more than one will help ensure you get the best deal available. Image credit: gpointstudio Getty Images.