Change your Daily Money Habits - Continued

This could help with bills that automatically withdrawn from your account.  That way there are no late fees or overdrafts to your account.  Have some of your paycheck sent to your savings account.  The only way that we can financially succeed in the world is to set aside some savings regularly.

Maintain a sufficient balance in your checking account to avoid monthly fees.

Chances are your bank will waive its monthly checking account fees if you maintain a sufficient balance in the account.  If your bank does not do this than find one that does.  It may seem hard to keep up the required balance, but compare that against those ugly fees that you would otherwise be charged. 

Carry only one credit card.

Some think that having a wallet full of credit cards is a sign of the good life, well not any more. It may be a good thing to carry one credit card for identification or convenience purposes.  Carry a card that has a low or no interest rate.  Credit cards carry fees and they are tempting to overuse.  Just do not allow that temptation to be there.  Leave the other cards at home or better yet cut them up. 

Finally, yet importantly, cut up your ATM card. 

This may sound scary, but if you are spending a lot of money on unneeded things and going to the ATM to withdraw more money to do this, then it needs to be done.  You always want to limit your access to easy cash.