Can someone help me please

Budget101 Discussion List Archives Budget101 Discussion List Can someone help me please

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      — In Budget101_@yahoogroups.com, TLChannel4@w… wrote:
      > hi all I have been on the list for sometime now so no newbie but I
      have a big
      > problem. How can I stop this it’s costing us way to much
      and what should
      > I do? Should I change banks or what?<< Tammy,
      Depending on your bank, you Might consider switching. If they
      continually charge you fee’s on top of their fee’s for a mistake, or
      if they take too long to credit deposits to your account, Switch!

      A local bank here does exactly that… they take up to 5 days to
      Credit a deposit into your account. It’s extremely frustrating to
      make a deposit, think that you are covered, only to find half of the
      money disappear as Fee’s and overdraft charges.

      Try these tips to keep you updated on your daily transactions and
      avoid overdraft fees, or an embarrassing moment at a cash register:

      *As you run errands, keep an envelope in your pocket or purse for
      any transaction receipts you collect during the day. That night,
      record your transactions in a ledger or accounting program.

      *If you find yourself using your debit card often, you may want a
      bigger ledger than the standard checkbook size. If there’s not
      enough room to record all your transactions, you’ll quickly abandon
      your system.

      *If you lose track of your balance you can call your bank’s toll-
      free line to get updates on your available funds and recent
      transactions. Or, many banks now offer online account summaries that
      you can check at work or at home.

      If all else fails… Save up $100 that you can keep in your account
      (but don’t write it into your checkbook balance) so you always have
      a little overdraft protection. You might feel that you can’t afford
      to stick $100 away that you can’t use.. but with the amount in fees
      that you’ve paid so far in 1 little mistake.. think of how much
      money it could potentially save you.

      Hugs,
      Liss

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Budget101 Discussion List Archives Budget101 Discussion List Can someone help me please