ATM USAGE:
It really is the little daily decisions that make a difference in your daily financial life. A great tip is to use only the ATMs handled by your bank or credit union. Using the ATM of another financial institution once a week might seem like no big deal, but if it's costing you $3 for each withdrawal, that's more than $150 over the course of a year and it all adds up. This also falls into the category of planning ahead to when you're going to need cash as much as possible.
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