Chop late fees
Late fees can hit you anywhere: on your credit card, your phone bill, even your video store membership. Schedule your bill payments, pay online, and keep all your bills in one place. Use a big black marker and a calendar on your fridge - whatever it takes! After all, those late fees are a waste of money and are totally unnecessary.

Pore over bills and rates
Companies can often change rates on you without warning. This includes your phone bill, cell bill, mortgage, credit cards, and car insurance. In this price-competitive world, if rates are too high for your liking (shop around and stay informed), it’s easier than ever to make a switch.

Investigate your bank
Chances are, you’ve had the same bank account for years. The fee structures and plans change all the time – you probably don’t ever hear about it or read the super-fine-print brochures that sometimes appear with your statement. Have a look and see if you really are getting a good deal for being their customer.