Most of us have probably done this, only to regret it later. If you forget about it, you didn' t need it. I almost always end up keeping my money. Once you get out of debt and live comfortably within your means, you'll save money. Save your money in an interest-paying account.
Low interest is better than no interest.
If you want higher returns, I recommend doing some investment research. Talk to your financial planner, read books about investment, attend classes and seminars. A lot less technical. Unfortunately, this is as far as I can take you in any discussion about investing money. You will need to come up with an investment plan that works best for you and your goals.