So I have a bad habit of not planning ahead sometime and being in need of cash exactly at the time where there are no ATMs around that are free of a surcharge.     Has anyone else been in this situation?   You would think that you could function on your debit card no matter where you need to go, but to my surprise I find myself needing cash still on a regular basis.   Do I get back into my car and travel 5 miles down the road to my bank where I can pull out some cash from my checking account.  This is just to avoid the $3.99 surcharge fee this convenient store ATM is forcing me to pay?   Oh the agony when I have to push that button that steals $3.99 away from my hard earned money for the privilege of getting access to my hard earned money.  How rude some of these ATM machines are right? Rude!  ha

This is such a bad habit of mine, I would say that I find myself paying this fee 2 – 3 times a month.    That’s almost $12 a month or in terms of food a pizza night out.  Or if you make minimum wage, that’s over an hour of hard labor.    $144 a year!  I am just throwing the money away because I can’t march down the street and get money out of my bank’s ATM.    How dare I do such a lazy thing?!?  If you calculate that laziness over my entire working career, I would have spent $6,768 in fees to simply have the privilege of accessing my own money!    How insane is that?[Read More…]