Have you ever been standing in line at your local coffee shop feeling overwhelmed because the person behind you is waiting impatiently to order but you can’t seem to find what you need in that disorganized wallet of yours? Perhaps you’re carrying too much. Here’s what should be in your wallet and why.

Credit & Debit Cards

Credit cards with reward programs will help you earn money while you’re spending it. Choose a card with a low interest rate and the best rewards for you. If you don’t like the temptation of a credit card, a debit card is just as fast and easy. Plus, a debit card will come in handy when you find yourself needing cash now.

Cash

We’ve all heard the saying, “cash is king.” Even in 2017, there are some merchants who still do not accept plastic or they will charge a fee if you aren’t spending the minimum. You don’t want to carry around too much cash where it will be detrimental if you were to leave your wallet behind by mistake. However, you do want to be prepared if you find yourself in a sticky situation that accepts cash only.

Identification

Always carry your driver’s license with you to avoid massive fines if you get pulled over. Don’t drive and therefore don’t have a driver’s license? No problem, apply for a state ID. Everyone should carry a form of identification whether it’s to drive, buy age-sensitive items such as alcohol, or even just prove you’re who you say you are.

Emergency Contacts

While having an ID card in your wallet is helpful for knowing who the wallet belongs to, it’s not always the best way to get in contact with you. If you find yourself in trouble and you’re not able to communicate with those helping you, having a list of emergency contacts can assist getting you help quicker.

Reward Cards & Coupons

Who doesn’t want to save money? Reward cards can help you rack up those points at the grocery store or fuel pump which can mean earning gift cards to some of your favorite stores. Be cautious with your coupon carrying. Check them weekly for what is expiring soon and carry only the ones you plan to use within that week.

Receipts – Up to One Week

You’ll want to carry recent receipts with you for situations that might require a dispute or perhaps you’ll need to return those jeans that just don’t look the same as they did in the store. Similar to coupons, you don’t want to be carrying around a large stack of receipts. When you do your weekly coupon check, toss out the receipts that are over a week old.

Now that you know what should be in your wallet, take the time today to clear out the rest of that clutter. The line in the coffee shop tomorrow morning will thank you.