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GH5HomeContact UsPrivacy PolicyRecent PostsRov Careers?Options Regarding Evolution Of BeautyCraving More Botox?Help With High HeelsFashion Model – Just The FactsCategoriesFashionOtherJanuary 9, 2015January 10, 2015 by GaleDon’t Get Burned With Outrageous Late FeesOtheravoiding late feesDoes it seem like wherever you turn everything is costing you more? A client of mine in the car business was saying that, with rising fuel costs, he felt as if he’d had an extra mortgage payment. In turn, fuel costs are affecting the cost of food and other supplies. Everything we buy has to be shipped in. Grocery stores and retail chains have had no alternative but to raise prices to meet the cost of shipping. You are going to love this: emergency cash in KW Ontario.The APR (Annual Percentage Rate) is an interesting variable as it gives an indication of the total cost of your credit cards. It includes the interest rates and other fees and costs, like some insurances, etc. Yet there other variables that can only be contained in this rate and that also imply costs even if it’s in a subsidiary way and needs to be taken into account when analyzing this problem.You can’t ignore this factSo what do you do to make ends meet? Saving money often means avoiding any costs that are not absolutely necessary. But, there’s one way to cut costs without feeling deprived, and that involves getting rid of all those extra fees.Avoiding fees can save you money. I’m going to divide fees into two categories: bank account fees and credit card fees.Do you have free checking with your bank? If not, find out how to obtain it. Maybe you just need to have your paycheck direct deposited. Maybe you need to link your savings and checking account together to maintain your minimum deposit. Whatever it is, find out and do it. You should have no monthly charge for your checking account. If you do not qualify with your bank, then switch banks.Once your account is free, then you need to prevent the other fees associated with your bank account, such as: overdraft fees, uncollected funds fees, ATM fees, and others like these.ATM machines are very convenient. However, they could be costing you. If your bank does not have many strategically placed ATMs where you live or vacation (and spend money) make sure to avoid using another bank’s ATM. If you do, you can be charged by both banks for each transaction. Ouch. If you are not the kind of person who checks their bank statements regularly, these types of fees may be going unnoticed.Speaking of not checking your bank statements, a good way to avoid fees is to keep track of your bank balance. Know how much you have available before you make a purchase. This is key to avoiding those really costly overdraft fees.Then, when your bill comes in, watch for any amendment to the amounts above. If you have made even one late payment, those fees can go up-a lot! Credit cards are convenient but they can be quite expensive
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