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Do you pay attention to your money and how others try to separate you from it? This is the age of fees. Fees have become king of the universe. Everywhere you look people are trying to fee you to death. Where can you turn for a refuge? Your refuge is common sense and planning. Seriously!  

The banks are charging more for services that were free, and the ones that did have a cost have skyrocketed. Everyone—and it does appear to be everyone is getting in on the band wagon. You have airlines, credit cards, phones, government, mortgages, rental cars, insurance, ATM, Debit, and paying bill fees. Is there anyone that will refuse to jump on board? So what can an individual do to keep more of your hard earned money? First, you can pay serious attention, and make adjustments to your habits and spending.  

For example, schedule certain days to pay your bills.  If paying by mail, pay bills five days before they are due. That way you will not be late, at the company's mercy, and possibly get charged to pay over the phone. In other words, every fee can probably be avoided through planning. The fees seldom merit the reason they are charged, right? A good budget and planning can usually avoid most fees.  

Also, if you are not balancing your checkbook and monitoring your account balances, start doing it today. It is just plain wisdom to know what you have available and how much money you are working with. Fees can steal your wealth, cause anxiety, frustration and pain. And if you get too many fees, you can land in jail. Yes, in jail. If you have enough bank overdraft fees, returned check fees, and you then write bad checks; you can go to jail.  

Bottom line: no one will or should care about your money more than you. Therefore, pay attention, take care of your business, pay less fees, and keep more money for you.

Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website: [Link Removed]

Sharmanl, Your links have been removed, please consider upgrading to premium membership.


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