Consider No Fee Banking: many financial institutions charge monthly fees, but did you know that you can sometimes negotiate a reduction?
Better yet, some financial institutions do not charge any fee at all. There is a tendency to consider these fees to be inconsequential – “it’s only $12 per month”; that is $144 per year – this could pay for 2 or 3 or more Christmas presents, or depending on the size of your family a summer trip or a turkey and all the fixings at Thanksgiving.
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