Most people looking to save money focus on cutting future spending, but some cash may already be waiting for them. Forgotten refunds can hide in old accounts, credit-card dashboards, medical bills, insurance policies and purchases you barely remember making. Individually, these amounts may look small, but several overlooked credits can easily add up to hundreds of dollars. A smart financial cleanup should therefore include checking what companies and organizations may owe you, not just what you owe them.
