Oct 24, 2020: Cut unnecessary expenditures with a little elbow grease -- a hundred dollars here, ten dollars there will make a huge difference. Start with that bank of yours. Find out what kind of fees it assesses. If it's gouging you on ATM and checking/savings account fees, that bank is taking you for a ride. Contact the branch supervisor and ask him or her to waive the charges. Or enroll in direct deposit. Bank won't budge? Take your business elsewhere.

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