Think those dollar stores are only full of useless junk you don’t really need in the first place? Guess again. I too used to think that, until I stopped into a local Dollar Tree the other day on the advice of my grandmother, who wanted me to pick up some holiday wrapping paper for her. I had never thought of checking out one of those stores for much of anything, but she insisted that I stop there to buy the paper she needed. Once inside, I thought I had hit the jackpot, as they had tons of products priced at just $1 that I normally buy at my local drug or big-box stores for much more money.
I stopped paying fees to use an ATM about a year and a half ago when I moved my checking and savings from Bank of America to Charles Schwab. No matter where I am, how often I do it, or how much money I withdraw, Schwab reimburses me for any fees I incur from using other bank’s ATM machines. That’s a lot different than how much I used to get charged by BofA anytime I wanted money from any other ATM machine but one of theirs! But now with internet and local banking becoming even more popular, there is absolutely no reason that you need to stay with a bank that wants to charge you a small fortune to access your own money. Here are eight of the more popular banks offering checking accounts with no ATM fees, no matter where you use your ATM card.
Just last week I read the article “Ten Biggest Money Wasters” over on CNNMoney.com and was fascinated at the types of things that people tend to waste their hard-earned money on. While a lot of us go way out of our way to clip mounds of coupons, drive an extra mile out of the way to save $0.03 per gallon of gasoline, or buy the cheapest items we can find (which only need to be replaced every few years rather than lasting forever), many of us waste money each and every day on little things that really add up — and are mostly avoidable. While I encourage you to go read the entire article I referenced above, I wanted to mention a few items on the list for your perusal:
A few weeks ago I was reading an older article about a family killed in their sleep by carbon monoxide poisoning. Just like that, a family was wiped out overnight because of a silent killer in their home, one that could be present in any of our homes at any given moment. Without a carbon monoxide detector to alert them, they had no idea that the pilot light had gone out on their ancient heater and gas was filling their home; they just never woke up.
Have you ever wondered exactly where all your tax dollars go and/or are spent? There are several websites which try their best to break down the facts for you, and I even mentioned one called Death and Taxes here on My Two Dollars back in 2006. (It is no longer a live site, however.) But now there is one officially sponsored by the U.S. government called the 2010 Federal Taxpayer Receipt, which is hosted on the website of the White House.