In some instances, it is smart to shop with cash only, but skip the bank or the ATM if you're withdrawing money. Some banks and ATMS charge service fees - even if it is your choice bank. Instead, use your debit card to purchase small items and get cash back at no charge from a retailer, such as a grocery store or the local big box. This can save you $2 to $5 for each visit you might have taken to the bank or ATM.
Did you ever notice how much money you spend when using your Debit Card to get cash out of an ATM that is not affiliated with your bank? I was stunned when my last statement came and the fees associated with using ATM's. Anywhere from $2.25 to $3.00 to use the service. It can literally come to a big chunk of change by the end of the year! Now, I just go to Walgreen's, Dominick's Finer Foods, or any major store and even if you just purchase a pack of gum, you can request cash back. The Walgreen's here in Chi-Town will give you up to $100.00 cash back. You will need to enter your pin, but when you figure the amount you can save, its worth it. I look forward to my next statement where there is no fees for cash back.
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