Photo source: CardMapr.nl/Unsplash Over the past years, I have had several instances of vouchers and rewards points expiring before I get to even use them. Even though the equivalent dollar value could be minimal, my heart still ached during those instances. I am determined to reduce the frequency of such incidents by setting a year-end reminder in my calendar. As the year winds down to a close, it is a wonderful time to do some housekeeping. I did an exhaustive scan of my mobile phone and here are some of the common loyalty programmes that my readers may also be on. 1) DIGITAL WALLETS GRAB Top of my priority list would be Grab as it is my main mobile wallet when paying at hawker centers and heartland shops. As I do not drive, I occasionally take Grab rides to get to more remote destinations. As a result, I do rack up quite a fair bit of GrabRewards Points...