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Want To Know How To Be Fee Free?

Mar 28, 2008
It is amazing when you consider all the money that we simply throw away each year for fees that are attached to a lot of things. They seem to be almost endless. There are credit card fees, ATM fees, late fees, bank fees and so many more fees that are usually connected with business transactions we conduct. If you have never paid much attention the total amount of fees that you pay each year, then you should start paying closer attention to monthly statements and any contracts you might have.

There will probably be fees that are unavoidable sometimes, but there are probably some changes that you could make that can help you save money on some of them. This may require that you read some of that small print that comes with a credit card, home mortgage, bank statements, and the like. You will need to track down and acquaint yourself with business related things you do that can have a fee of any kind attached to it.

When you search out all the fees that you are paying for particular services or privileges, you may find that there is really not a lot that you can do about them. Some banks have free checking, free checks, and no or lower charges for using your ATM card. It will be up to you to decide whether changing to a bank that may offer these things that will save you money is worth it or not.

Everyone knows that late fees are one of the biggest items that can cause you to spend more than you have to. Unless it is absolutely unavoidable, you should always make your payments on time. Utility companies will charge you late fees for delinquent payments too. If you have a problem keeping things paid on time, you might consider using automatic bill pay through your bank. This way what ever reoccurring monthly bills you choose can be automatically deducted from your account when they are due, thus avoiding costly late fees.. There will probably, of course, be a fee for this service, but this might be one that can actually benefit you.

Some people might think that a three or four dollar fee here and there does not amount to that much, but over a years time it could add up to several hundred dollars. This is a sizable amount when you think of it in terms of additional savings that you might be drawing interest from instead of money that was needlessly spent for something that did not benefit you very much or at all.
About the Author
Rachel Yoshida is a writer in the field of finances and is currently assisting those in need of cash advances and payday loans, particularly in the state of Ohio.
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