What else can I do to improve my finances?
Banking: I don't pay any fees
Credit Card: I picked the best one for me and I like to keep just 1 card (HSBC Premier world Elite) because travel is my biggest expense on credit card
Mortgage: Nothing I can do as it is locked for another 2 years or so. The rate I have is not the best but far from the worst. Probably save up some cash to pay off a chunk of it when it is unlocked.
RRSP: Reviewed my numbers and will be contributing close to max for 2019. Probably try to max it every year from now on.
Spare cash: Already in an account earning a bonus rate I am comfortable with. Not the highest. I plan to do something with my cash such that next year I shouldn't be holding such a large reserve. Meaning the incentive to open multiple accounts to take advantage of special bonuses should be rather low.
Investments: It is growing and I will contribute to it steadily as I still have spare cash after expenses, TFSA and RRSP.
-I drive and use Esso exclusively for gas. For groceries No Frills is my go-to place. Earning PC points for these.
-I use Aeroplan so I get points for most flights I take. I also shop clothes at only 1 retailer and earn Aeroplans for it as well
-I use Great Canadian Rebates. I buy a lot of stuff from Amazon. If I need electronics, I buy from either Amazon or Best Buy, both of which I can earn GCR rebates.
The above are the majority of my expenses aside from condo fees and mortgage payments and property taxes which come off as per-authorized debits out of my bank account.
So do you see anything else I can do to maximize value? Like any other reward programs you can recommend that is better than what I am using now? Something like GCR is great because it is on top of what I am already doing.