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2008.04.21

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Comments

Brianne

I think the eating out theory is similar to the latte theory. I don't spend all that much money when I eat out and I spend much more in groceries when I try to make healthy meals over the weekend with the idea of eating the leftovers for lunch all week.

If you weren't already buying that latte each day, then you were never spending the $3 in the first place.

And I'm tired of being told I should max out my 401K and Roth IRA each year. Maybe when I'm out of credit card debt, have a paid for car, and clean up my $30K in student loans. But for now, I just can't afford to put away 1/3 of my income (i.e. $20K) in retirement.

TA

There are also banks that refund any ATM charges you incur by using other banks. I haven't paid an ATM fee in years, and I use whichever machine is closest.

Jecca

I second that, TA. USAA doesn't have brick-and-mortar branches, so they refund all fees and you can deposit checks by scanning them and sending images (haven't tried that yet -- still mail 'em in).

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