Personal finance

FILE - In this Aug. 11, 2019, file photo a man puts his Visa card on a stack of cards for a split check at a restaurant in New Orleans. Knowledge is power when it comes to finances. Still, most people don’t know exactly where their money goes. Tracking your spending for one month will help you identify habits and spot excess expenses, says Colin Walsh, CEO of Varo, an online bank. (AP Photo/Jenny Kane, File)

FILE - In this Tuesday, Nov. 12, 2019, file photo, the U.S. Capitol is seen as the sun sets in Washington. Negotiations on a package of spending bills to fund the federal government have produced a key breakthrough, though considerably more work is needed to wrap up the long-delayed measures. Top lawmakers of the House and Senate Appropriations committees on Saturday, Nov. 23, confirmed agreement on allocations for each of the 12 spending bills. (AP Photo/Manuel Balce Ceneta, File)

FILE - In this Oct. 31, 2019, file photo, Rep. Carolyn Maloney, acting chair of the House Committee on Oversight and Reform, joined at left by Rep. Jerrold Nadler, chairman of the House Judiciary Committee, meet with reporters to discuss the next steps of the impeachment investigation of President Donald Trump, at the Capitol in Washington. House Democrats are set to choose who will lead the powerful Oversight and Reform Committee _ a key role in the ongoing impeachment inquiry of President Donald Trump. Three veteran lawmakers, including Maloney of New York, the acting chairwoman, are seeking to replace the late Rep. Elijah Cummings of Maryland, who died last month. (AP Photo/J. Scott Applewhite, File)

Speaker of the House Nancy Pelosi, D-Calif., attends a health care event at the Capitol in Washington, Wednesday, Dec. 11, 2019. (AP Photo/J. Scott Applewhite)

FILE - This June 20, 2019, file photo shows an existing home is offered for sale in Rutledge, Ga. On Thursday, Dec. 12, Freddie Mac reports on this week's average U.S. mortgage rates. (AP Photo/John Bazemore, File)

In this April 14, 2019 photo. Pakistani Christian woman Samiya David shows her picture with Chinese husband, in Gujranwala, Pakistan. Samiya had been in China just two months when her brother got a phone call telling him to pick her up at the airport. When he arrived, he found Samiya in a wheelchair, malnourished and too weak to walk, said her cousin Pervaiz Masih. She died barely five weeks later. Masih was among the relatives who prepared Samiya's grave and attended her burial in May. (AP Photo/K.M. Chaudary)

Saudi Arabia's state-owned oil company Saudi Armco and stock market officials celebrate during the official ceremony marking the debut of Aramco's initial public offering (IPO) on the Riyadh's stock market in Riyadh, Saudi Arabia, Wednesday, Dec. 11, 2019. (AP Photo/Amr Nabil)

FILE - In this Tuesday, June 12, 2012, file photo, eyeglass frames are displayed at Berlin Optical Expressions in Berlin, Vt. Worrying what to do with your flexible spending account balance so you don't lose your money? Out-of-pocket costs for corrective eye surgery, prescription eyeglasses, readers, wipes and repair kits for glasses, and contact lenses and solutions are covered. (AP Photo/Toby Talbot, File)