Maybe I'm an outlier, but I'd just create a new account. These days, every time I have to pay for something online I ask myself: is it worth 5.5% per year guar

Maybe I'm an outlier, but I'd just create a new account. These days, every time I have to pay for something online I ask myself: is it worth 5.5% per year guaranteed no-risk that i'm losing out if I'd buy bonds instead? I know it's offtopic, but I did a review last month and stripped down number of subscriptions: * Replaced Dropbox with GDrive that I already pay for as part of my personal Google Workspace subscription (email on my domain). * After recent Apple One price hike I couldn't justify it canceled and got _exactly what I need_ (just 200GB iCloud and Music), 3x cost reduction. * Started transferring my soon-expiring domains from Gandi to Porkbun (I was too lazy before). And so on, there were some more and I trimmed my online spend down significantly. Out of curiosity, anyone else is doing this sort of optimization? During ZIRP I never cared much.