Take advantage of rising interest rates
The sale of the cottage combined with the state of the stocks and bonds markets forced me to take a critical look at our "savings" account at Wells Fargo---which by the way is typical of most banks.
I moved the money from Wells Fargo at a rate of 0.02% 
to another FDIC insured account with a rate of 3.00% I know that does not sound like much---but believe me---coming from zero to anything is a sea change.
I'd encourage anyone with money siting in a normal bank's savings account to take a look around
"A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
"Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
“You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis
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